Jonathan Peart - Hunter Team

Jonathan Peart - Loan Officer

Meet Jon!

Pre-Approval VS
Pre-Qualification

Lets Talk Down Payment

I am a Licensed Loan Officer out of Woodstock, GA. I’ve lived in the Woodstock area for almost 2 decades. Graduated from the University of Miami with a B.A. in Economics. I have been licensed right out the gate into the mortgage industry. I believe in honesty and setting clear expectations for my clients & partners to have a seamless process. I have been mentored by Darin Hunter and have been able to leverage all the knowledge around me to answer any and all mortgage-related questions. We are licensed in various different states across the nation, as well.

Loan Officer
NMLS ID # 1913061
678-848-9382
jonathan@mortgageright.com

Use our free mortgage loan calculator to start estimating how much home you can afford and what your payment will be. This calculator is for estimating purposes only.

There are many factors that can affect your mortgage rate and payment, including credit score, income to debt ratio and current assets. Our mortgage loan specialists at MortgageRight are ready to help you through the mortgage process.

The calculated results are intended for illustrative purposes only and accuracy is not guaranteed. Be sure to consult a financial professional prior to relying on the results.

Mortgage Loan Options

CONVENTIONAL MORTGAGE LOANS

Conventional loans are not insured by a government agency
Require a minimum 3% down payment
There are a variety of fixed and adjustable rate conventional loans to choose from
Generally carry strict guidelines on credit scores, loan to value ratios, debt to income and down payments
Interest rate varies based on credit score and loan term
Offers 10, 15, 20, 25, 30 and 40 year repayment terms

FHA MORTGAGE LOANS

Great for first-time buyers and buyers with lower credit scores
FHA loans are not restricted to first-time home buyers or low-income buyers
Easier requirements for income and credit score
Minimum down payment 3.5% and lower closing costs
Mortgage Insurance may be less costly than private mortgage insurance (PMI)
Seller can contribute up to 6% of selling price to cover closing costs

USDA MORTGAGE LOAN

Special financing in USDA defined areas
Flexible credit guidelines and qualifying criteria
Lower than market interest rate
No down payment required
Closing costs can be seller-paid or rolled into the loan
Lower monthly private mortgage insurance (PMI)
Ability to finance upfront PMI

VA MORTGAGE LOAN

Eligible for Veterans who have or are actively serving in the military and surviving spouses of Veterans
Qualify with suitable credit, adequate income and valid Certificate of Eligibility
Borrow up to 100% with no money down and no mortgage insurance requirement
Veterans can refinance through the IRRRL (streamline refinance)
Can include cost of remodeling up to 103.15% appraised value
Offers 10, 15, 20, 25, 30 and 40 year repayment terms

JUMBO MORTGAGE LOAN

Financing for high-priced and luxury homes
Good option for self-employed buyers
Available for primary residences, second homes and investment properties
Flexible down payment minimum of 5% on loans up to $2 million
Mortgage insurance is not required
Jumbo cash out refinances up to 95% loan to value with no mortgage insurance

REVERSE MORTGAGE LOAN

Borrower remains the owner of the home
Can stay in your home without ever making another monthly mortgage payment
With a Reverse Mortgage, the borrower receives funds payable when the last borrower leaves
Borrowers must occupy the property as their principal residence
Protection against a declining housing market

The Benefits Of Refinancing

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.

Remodel / Renovation

Lifestyle Upgrades

New Start-Up Business

New Baby on board / Adoption expense

Debt Consolidation

Education expense

significant Home damage

When she says 'yes'

WHAT OUR CLIENTS ARE SAYING

“Enjoyed working with Darin and Jonathan they did a really great job, smooth and quick refinancing transaction. I would recommend them to anybody.”

“Jonathan Peart was our lender rep for our refinance. His professional and friendly approach to the process was top notch. We had some issues with the document portal and he quickly created a new path to complete the process. Always calm and open about our rates, closing costs, etc. and any other questions we had, he was there to help and kept us informed all the way to the finish line. He is truly a pro and a great representative of MortgageRight’s core values! We would highly recommend Jon and the company to others!!”