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Home financing questions don’t need to be overwhelming. Whether you’re buying, refinancing, or building, our Winston-Salem mortgage experts are here to provide straightforward answers and support at every step.
Makenzie Tuttle
Mortgage Loan Officer
NMLS#: 2173062
I’ve been with Fidelity Bank and Right By You Mortgage since 2021, and I approach every loan with the same priority — understanding your unique needs and matching you with the right program. Whether you’re a first-time buyer, a growing family, or a homeowner looking to refinance, I’ll help you find a path that works for you.
Apply NowHome Loan and Refinancing Services in Winston-Salem
Winston-Salem offers a wide variety of housing options, from historic neighborhoods like Ardmore to growing areas around Sherwood Forest and West Salem. Makenzie Tuttle works with buyers and homeowners across the Triad to provide loan solutions tailored to their goals.
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, Winston-Salem
Known as the “City of Arts and Innovation,” Winston-Salem combines historic charm with forward-looking growth. From tree-lined streets in Ardmore to the professional energy of Innovation Quarter, the market offers something for everyone.
Working with a local mortgage lender gives you the advantage of fast responses and community knowledge. Makenzie partners with real estate agents and clients to keep the process on track, offering clear communication and guidance through every stage of financing.
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Understanding Homebuyer Programs in Winston-Salem
Several mortgage programs make homeownership more accessible in Winston-Salem and surrounding communities. Makenzie helps clients compare each option, so you can choose the loan program that best supports your goals.
Eligibility for Winston-Salem Mortgages
Each program has unique requirements. FHA loans are available with credit scores starting around 580, while VA loans depend on active-duty or veteran status. USDA loans are location- and income-dependent, applying to certain suburbs around the city.
Makenzie will review your credit, income, and financial goals to provide a transparent loan estimate and help you understand your best options.
Improving Credit to Secure Pre-Approval
Strong credit makes for stronger offers. Makenzie reviews credit reports, identifies areas for improvement, and provides practical steps such as paying down balances, correcting errors, and avoiding new debt before applying.
Pre-approval clarifies your budget, makes it easier to compare options, and strengthens your position with sellers in Winston-Salem’s competitive market. With Makenzie’s guidance, you’ll be ready to move forward confidently.
Ready to Take the Next Step?
