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Partnering with a knowledgeable Spartanburg, SC mortgage lender helps you navigate loan options that align with your goals and respond confidently when the right opportunity comes along. Right By You Mortgage is here to guide buyers and homeowners every step of the way—from initial conversations to closing day.
Lacey Dillon
Mortgage Loan Officer
NMLS#: 1558828
I have proudly been a part of the Fidelity Bank family since 2015. The mission of Fidelity Bank and Right By You Mortgage coincide with my personal values and mission statement. As a Mortgage Loan Officer, my priority is to create raving fans and relationships that last for life.
Apply NowHome Loan and Refinancing Services in Spartanburg
Spartanburg continues to attract buyers drawn by Upstate job growth, access to Greenville, and expanding residential development. In a market like this, working with an experienced Spartanburg mortgage lender who understands timing and preparation matters.
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.
Hello, Spartanburg
Spartanburg offers a balance of affordability and access to major Upstate employment centers, making it attractive for both local buyers and those relocating to the region. The area includes established neighborhoods near the city, newer subdivisions on the outskirts, and semi-rural communities that appeal to a wide range of homebuyers. As a Spartanburg County mortgage lender, Right By You Mortgage offers flexible home loan options for buyers and homeowners at different stages including, fixed-rate mortgage, adjustable-rate mortgage, and jumbo mortgage options.
For current homeowners, mortgage refinancing provides opportunities to adjust loan terms or access the home’s equity for renovations or other financial goals. Throughout the process, Lacey Dillon will explain closing costs, review your loan estimate, and offer clear guidance from application through closing to help ensure a smooth experience.
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Understanding Homebuyer Programs in Spartanburg
Buying a home in the Upstate often means comparing programs to find the right fit for your budget, timeline, and goals. Right By You Mortgage works with first-time homebuyers, buyers relocating, and those seeking financing for new construction in Spartanburg County.
Eligibility for Mortgage Programs in Spartanburg
Eligibility across loan programs is generally based on credit history, verified income, available funds, and property location. FHA loans may allow more flexibility than conventional options, while eligibility for VA loans depends on service history. USDA loans financing includes income limits and address requirements, most often outside higher-density areas. Pre-approval helps set realistic expectations and reduces surprises later in underwriting.
Improving Credit to Secure Pre-Approval
Identifying the right program typically starts during mortgage pre-approval, which helps clarify mortgage eligibility requirements early, including income documentation and debt-to-income ratio. As a leading mortgage company in Spartanburg, Right By You Mortgage can help you develop a strategy to boost your credit and improve your chances of securing a pre-approved loan.
Ready to Take the Next Step?
