Fill out our simple online mortgage quote form and you will receive a quote tailored to specifically to your needs. There is no obligation. Our dedicated staff is here to answer any questions you have. Whether you are first time home buyer or an experienced buyer you are in good hands.
Thank you for visiting our website. Direct Rate Mortgage offers highly competitive rates through our direct to consumer lending channel (no middleman). We do this with transparency, service, speed, and a human touch. To meet these requirements, we offer an engaging, concierge user experience. We have been helping clients with our services since 2002.
We still maintain a local, client-focused business model. Direct Rate Mortgage provides an intuitive borrower portal that offers simple, transparent interaction, the ability to easily, safely, and securely upload and store documents with real-time status updates and the ability to engage with experienced lending professionals at any point in the process. Choosing a mortgage lender is a major decision, and we take our jobs as lending professionals very seriously. Please consider us for an opportunity to earn your business.
I have worked with Jeff Morelock for several years. He has always shown himself to be trustworthy, helpful and he truly cares about his clients. What I appreciate are his communication skills. Jeff always kept me in the loop so I never had to wonder if the transaction was on track to close on time. It is a pleasure to refer my clients to someone who consistently does the job well!
Terri Cote' Keller Williams
My experiences with Jeff Morelock have been nothing but informative and motivational. Our conversations always end with me being confident in his plan and what direction we are heading together. As a Realtor, it gives me great comfort when he is helping my Buyer with his or her financing. A happy Buyer is a well-informed Buyer and Jeff is great at keeping it all together and getting us to the Closing Table!
Julie Osborn, Realtor
Alabama RE Solutions, Madison
We would like to take a moment to both thank and praise Jeff for his hard work and dedication to seeing my aspirations of becoming a homeowner come to fruition. As a first time buyer, I was unaware and honestly quite intimidated by the process. I had heard some horror stories and when I sought assistance from some of the big wigs in the mortgage game, my hopes were all but depleted. However, after being referred to Mr. Morelock, one short yet VERY informative conversation confirmed for me that he was my guy. Honesty and a genuine concern for my wants and needs were a most pleasant discovery. He took the time to answer and explain (and simplify) all my questions. And moreover, I was never made to feel lesser for not knowing something. On a scale of 1-10, he's a solid 20! Our dreams of home ownership would likely never had become a reality without his expertise. Many thanks and praises.
Mr. & Mrs. Carr
Jeff Morelock is a great lending agent to work with. He is always available to answer any questions I may have. He is professional and provides quick turnarounds. My clients have all been really pleased with his service. I highly recommend him for your lending needs.
Coldwell Banker of the Valley
I've been a Realtor for quite some time now, and Jeff is one of the very few people I recommend to my buyers on a consistent basis. He has gone above and beyond to help my clients achieve their homeownership goals. I have no worries when my clients contact Jeff as I know they will be in great hands!
Kevin Whatley has more attributes than I was allowed to list in the top attribute description. I know Kevin on a professional level as well as a friend. His principles and integrity do not change from business to friend. He sets very high standards for himself professionally and personally. If you are in need of his expertise when purchasing a home I can assure you that you will recieve the highest quality of service and you will feel confident and appreciated by Kevin and his staff. Kevin has certifications in his profession that no others in Louisiana hold. You will not be dissapointed in choosing his services.
Kevin’s knowledge of the mortgage industry and his professionalism make him the premier mortgage banker in our area. Kevin goes out of his way to explain the dynamics surrounding such an important transaction in every homeowner’s life.
I was referred to Direct Rate by my real estate agent. They had a better rate than the other places I discussed a mortgage with, so I went with them for my home purchase. All I can say is these people know what they’re doing. The entire process from start to finish was smooth, and much easier than any mortgage I had done in the past. I will definitely use them again.