About MortgageRight
MortgageRight began operations as TJC Mortgage in 2005 when three seasoned industry professionals, Joe Meadow, Tanner Allen and Chris Carter decided to start their own mortgage company.
The company was founded with the goal of offering a better choice for home mortgages. Their motivation to initiate real change and deliver a higher level of customer service was powerful, and has resulted in a high degree of success, as evidenced by their consistent growth year after year.
What started in a small, humble office in Birmingham quickly expanded to other states, including Florida, Tennessee, Mississippi and Kentucky. In 2009, the company continued its growth by transitioning from a mortgage broker to a mortgage banker.
Media Contact
Alvaro Moreira | P&L Branch Partner
MortgageRight Operator, Industry Commentator & Growth Advisor
Linkedin: https://www.linkedin.com/in/atlantamortgagebroker
Corporate Website: https://mortgageright.com/
Recruiting Webiste: https://branchright.com/
Media inquiries: al@mortgageright.com
Alvaro Moreira Bio
P&L Branch Partner | MortgageRight
MortgageRight Operator, Industry Commentator & Growth Advisor
Alvaro Moreira is a 20-year mortgage industry veteran and P&L Branch Partner at MortgageRight, where he has built and operated a scalable, multi-state branch within the BranchRight model for more than a decade. His career reflects the evolution many high-performing originators aspire to make—from commission-based production to full business ownership with long-term enterprise value.
Through MortgageRight’s structure, Alvaro runs his branch as a true profit center, overseeing recruiting, financial performance, operational leadership, and strategic growth. The model allows branch leaders to control their economics and margins while leveraging centralized corporate infrastructure for compliance, underwriting, capital markets, and technology.
Having navigated multiple rate cycles, recruiting environments, and margin compression markets, Alvaro understands what it takes to operate profitably in both expansionary and defensive markets. His branch operates across multiple states with access to over 28 national lenders and banks, allowing dynamic pricing strategy and guideline flexibility in shifting conditions.
For experienced loan officers considering the next stage of their career, Alvaro works directly with candidates to walk through:
- How the P&L branch model works in real numbers
- Margin structure and revenue scalability
- Recruiting and retention strategy
- Transitioning from top producer to business operator
- Leveraging corporate support without sacrificing autonomy
- Building long-term enterprise value inside a distributed branch platform
Industry Perspective on the Branch
Alvaro frequently speaks on the transformation happening inside the mortgage industry—particularly the shift from employee compensation structures to operator-led branch models.
His perspective is grounded in hands-on P&L leadership, not theory.
Quotes from Alvaro
At some point in your career, you have to decide whether you want to keep earning commissions — or build an asset.
The P&L branch model changes the conversation from ‘What’s my split?’ to ‘What’s my margin strategy?’ That’s when you start thinking like an operator.
Top producers already run a business — they just don’t always control the economics. The right branch model gives them both.
Margin compression doesn’t hurt leaders who understand their numbers. It exposes those who don’t.
Recruiting becomes easier when you can offer opportunity, not just compensation.
The real shift isn’t from LO to branch manager. It’s from salesperson to CEO.
If you’re consistently closing volume, you’re already taking risk. The question is whether you’re capturing the upside.
The right P&L model gives you autonomy without isolation — you control growth, but you’re not alone on compliance, capital markets, or execution.
Branch ownership isn’t about ego. It’s about enterprise
The best operators I see aren’t chasing the highest split. They’re building the strongest platform.
Why MortgageRight Candidates Connect with Alvaro
Branch leaders evaluating MortgageRight value that Alvaro is both an operator and advisor. He provides transparent insight into how the BranchRight model can:
- Increase net profitability
- Improve operational control
- Strengthen recruiting leverage
- Protect margins during volatile rate cycles
- Create long-term business equity beyond personal production
For serious candidates ready to move from production-based income to ownership-based growth, Alvaro serves as a resource, mentor, and example of how to leverage the MortgageRight platform strategically and sustainably.