Need Help?
Buying or refinancing a home is a big step, and it helps to have someone you can trust walking you through it. Whether you’re comparing loan options, planning to build, or just starting to explore the idea of homeownership, our local mortgage experts are ready to answer your questions and guide you through the process.
Rebecca Johnson
Mortgage Loan Officer
NMLS#: 1465600
Since joining Fidelity Bank in 2016, I’ve worked with families across Wake Forest to help them secure financing that fits their goals. With more than 13 years of financial industry experience, I believe in putting clients first – offering clear advice, consistent communication, and service I would expect myself.
Apply NowFeatured Product and Services
Want to learn more? Fidelity Bank offers a variety of personal and business products and services to meet your needs. Plus, our accounts come with the convenient digital solutions you’ve come to expect.
Buy a Home
Start your journey to a new home with us. We simplify the buying process to get you the keys to your forever home faster.
Refinance a Home
Unlock lower payments or even tap into your home’s equity for greater financial flexibility. We make refinancing clear and easy.
Build a Home
From foundation to finish, we support your home-building vision with flexible loans and expert advice.
About Right By You Mortgage
Drawing on the strength and stability of our partnership with Fidelity Bank, a trusted name known for delivering over a century of solid banking services, we’re ready to guide you through every step of the mortgage process.
Home Loan and Refinancing Services in Wake Forest
Downtown Wake Forest combines historic homes, walkable blocks, and new developments – which means mortgage needs can be just as varied. From restoring a bungalow near White Street to purchasing a new build in Heritage or Holding Village, Rebecca Johnson can match your goals with the right financing.
Hello, Wake Forest
Historic downtown Wake Forest is known for its southern charm and lively community atmosphere, with shops, restaurants, and local events creating a true neighborhood feel. It’s a unique market where both first-time buyers and longtime residents look for trusted mortgage guidance.
As a Wake Forest loan officer who lives and works here, Rebecca understands the pace of the local housing market – especially where competition is strong for homes close to South White Street. Her focus on fast communication and personalized guidance makes the process straightforward, so you can move forward with confidence.
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Understanding Homebuyer Programs in Wake Forest
Every buyer’s situation is different, and downtown Wake Forest offers opportunities for a wide range of loan programs. Rebecca also assists buyers interested in construction loans, manufactured home loans, investment property financing, and second home options – tailoring guidance to fit individual goals.
Eligibility for Mortgage Programs in Wake Forest
Qualifying for a mortgage depends on credit history, income, and property location. FHA loans are accessible for borrowers with credit scores starting near 580, while conventional and VA loans usually require 620 or higher. USDA loans are more likely to apply to properties just beyond the downtown core.
Rebecca will review your situation, outline your eligibility, and provide a loan estimate so you can plan with clarity.
Improving Credit to Secure Pre-Approval
Your credit profile plays a major role in determining both the types of loans available and the interest rates you qualify for. That’s why Rebecca encourages clients to begin preparing early. She helps buyers identify opportunities to strengthen credit – from lowering balances to correcting outdated information.
Getting pre-approved not only clarifies your price range but also makes you a stronger buyer in downtown Wake Forest’s competitive housing market. With Rebecca’s guidance, you’ll have a clear plan to move from application to approval with confidence.
Ready to Take the Next Step?
