USAF Veteran, 19+ years as a mortgage professional, 8 years as a licensed financial advisor. Our team builds custom mortgage plans that work hand in hand with your existing financial plan. Let our professional team guide you to homeownership and teach you smart, effective strategies to manage your equity to create wealth. We look forward to serving you & your family.
Mortgage Advisor
NMLS # 1849407
256-975-8039
Bill.gifford@mortgageright.com
Please note: You will be taken to an application page that will require you to create an account if you have not created one already.
If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.
Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.
It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.
Step 1 : Select A Loan Officer
Step 2 : Create & Verify Your Account On Our Application Platform
Step 3 : Complete & Submit Your Application
Note: You will be taken to a secure application page powered by Ellie Mae.Step 1 : Select Language Preference
Step 2 : Create & Verify Your Account On Our Application Platform
Step 3 : Complete & Submit Your Application
Step 1 : Select A Loan Officer
Step 2 : Create & Verify Your Account On Our Application Platform
Step 3 : Complete & Submit Your Application
Note: You will be taken to a secure application page powered by Ellie Mae.