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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 every step of the way.
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.
Fixed-Rate Mortgages
Ideal for those seeking stable payments throughout the term of the loan, providing predictability in a fluctuating market.
Adjustable-Rate Mortgages
With lower initial payments, ARMs are perfect for buyers who plan to move or refinance before the mortgage rate adjusts.
Jumbo Mortgages
Designed for buyers looking at higher-priced homes, a jumbo mortgage allows for loan amounts beyond conventional limits.
FHA Loans
An FHA loan offers a lower down payment and flexible credit standards, making it a good option for first-time homebuyers.
VA Loans
Exclusively for veterans and military families, VA loans offer no down payment and competitive rates when buying a home.
USDA Loans
Great for rural areas. Buying with a USDA loan requires no down payment and offers low interest rates.
Manufactured Home Loans
An affordable solution for buyers seeking alternative housing options with flexible financing and an easy online application.
First Time Homebuyer Loans
Low down payment required, making homeownership accessible for first time homebuyers without significant savings.
Investment Property Loans
Designed for those looking to invest in real estate and unlock the potential of a rental property to generate income.
Second Home Loans
We’re here to turn your dream of buying a second home into reality, offering great loan options tailored to suit your unique needs.
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?
