Welcome to Right Choice Home Loans

Right Choice Home Loans is a company serving the lending needs of individual, real estate professionals, and builders. We have access to a full range of mortgage products and are dedicated to finding the right loans with the best rates, terms, and cost to meet the needs of our customers. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true.

Our responsibility as mortgage professionals is to listen to the customer and determine what their specific goals are, and not just to quote a rate. We will provide the best and most beneficial solution to meet our customer needs.

The Right Choice Home Loans Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Georgia.

At Right Choice Home Loans, our ultimate goal is to create lifelong, lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

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Homebuyers

See how much you qualify for in today's market.

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Today's Rates

See if the time is right for you to purchase or refinance.

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Refinance

We can help you lower your rate or take cash out.

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Loan Programs

Learn about different types of home loans.

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Your top mortgage questions, answered

Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.

A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.

Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.

While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.

What our clients are saying

  • Barbara closed my loan in as little as 2 weeks. She is very professional, hardworking and dedicated to helping you close the deal. Very grateful, thankful and appreciative of everything... read more

    Deborah Kyerematen Avatar Deborah Kyerematen
    June 5, 2026

    I have had the pleasure of working with Barbara Smith at Right Choice Home Loans on several transactions, and she consistently does an outstanding job. Barbara is highly responsive, communicates... read more

    Nicole Calvert Avatar Nicole Calvert
    June 2, 2026

    Barbara is an amazing loan officer! I have used her multiple times and she is consistent with her outstanding work. She is extremely professional, thorough, detailed and more. She will... read more

    gduffie11 Avatar gduffie11
    May 1, 2026
  • Barbara was by far the best Loan Officer I have worked with. She made this transaction smooth and communciated very well. I was impressed with her professionalism and her ability... read more

    Domenick Epps Avatar Domenick Epps
    July 21, 2025

    Barbara really cares about her clients. She worked very hard to get me into my house. Barbara kept me informed about everything and it was easy to ask her questions... read more

    Jhesikah L’Nette Avatar Jhesikah L’Nette
    May 28, 2025

    What comes to mind, when I think of the name Barbara with Right Choice Home Loans? That depends on you. Do you want to close fast? How's for under three... read more

    Sweet Sop Comedy Avatar Sweet Sop Comedy
    June 27, 2024
  • Mortgage approval almost as fast as customer paying with cash!

    James McPhail Avatar James McPhail
    May 30, 2024

    I very much enjoyed working with Barbara on a deal we did together. She was very professional through the entire process and always answered the phone which is hard to... read more

    Elliot Holmes Avatar Elliot Holmes
    April 11, 2024

    I was very pleased with both my Agent Barbara and Nicole they was helpful and pleasant and I would recommend Right Choice Loan is the place to go find your... read more

    Angela Lowe Avatar Angela Lowe
    October 12, 2023
  • Barbara was a delight to work with. Every time I called her, she was responsive and always willing to work together to find a solution. Always looking out for her... read more

    Patricia Alvarez Avatar Patricia Alvarez
    August 21, 2023

    Barbara Smith is one of the best loan officers I have ever worked with. She has a wealth of experience and knows how to get any type of loan done.... read more

    Eric P Avatar Eric P
    August 18, 2023

    Ms. Barbara is truly the LOAN GURU!!!! I would have been lost without her. If you want a home call her today! Thank you again Ms Barbara for everything!

    Tamika Foster Avatar Tamika Foster
    May 28, 2023
  • Purchasing my first home, Barbara and her team were AMAZING!!!! Barbara was super helpful in explaining the process to me and answering all my questions. We closed in 30 days... read more

    April Avatar April
    September 27, 2022

    Barbara was a blessing to my family and I. We were rushed into buying a house that we were renting. Because of the sense of urgency, I hadn’t done... read more

    Khao Music Avatar Khao Music
    November 8, 2021

    Barbara is the best lender! I had to switch lenders mid-build due to a previous lender not understanding how travel nursing works and dropping my loan. Barbara was responsive, energetic,... read more

    Danielle Nicole Avatar Danielle Nicole
    August 10, 2021
  • Barbara was amazing! I have never done business with a mortgage broker that was actually ‘on my side’ that cared about making sure I got the best deal & not... read more

    Makeda Opoku-Mensah Avatar Makeda Opoku-Mensah
    June 29, 2021

    Barbara put my family and I in a beautiful home. Her professionalism and promptness kept us on our toes all the way to closing. Barbara is very knowledgeable and... read more

    Ike Avatar Ike
    May 11, 2021

    Baraba Smith is a great person to work with when trying to obtain a loan for a home purchase. She was a God sent angel for me and my husband.... read more

    Letitia Washington Avatar Letitia Washington
    May 3, 2021
  • Barbara is a trusted partner whom I rely on to provide my clients with the feedback and results they need and desire. As a real estate professional, it is important... read more

    Vernitta Walters Avatar Vernitta Walters
    March 19, 2019

    Barbara is absolutely great. She is a woman of her word and she tells you the truth about whether or not she can get you financed. I have recommended everyone... read more

    Denise McCray Avatar Denise McCray
    December 4, 2018