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Monday 9am - 7pm Tuesday 8am - 7pm Wednesday 8am - 7pm Thursday 8am - 7pm Friday 9am - 7pm

https://lo.candidcrm.com/Keith_Collins_Team/KeithCollins/

Keith Collins, 1718 General George Patton Drive, Brentwood, TN (2026)

11/14/2025

I had the honor of supporting Engage Your Destiny this Veterans Day.

Engage Your Destiny is a nonprofit doing incredible work to end veteran su***de and bring purpose, faith, and hope back home.

That’s Ben in the photo - founder, CEO, and one of our 100 Strong members - leading this mission that’s changing lives across bases nationwide. 💪

From mentorship to faith-based training, their team is literally saving lives every day.

I am proud to stand beside them and support their impact. 🙌

11/13/2025

Stop chasing rates. Start building strategy.

Refinancing with equity isn’t about chasing the lowest number - it’s about creating a smarter, calmer financial plan.

Here’s how we help homeowners rethink the refi conversation:

• Blended rate > headline rate.
We add up what you’re really paying across cards, loans, and your mortgage. Many people are shocked once we do the math.

• Equity is leverage - use it wisely.
You don’t have to sell to unlock options. We help homeowners use what they’ve built to reduce stress, increase margin, or fund next steps.

• We show the options.
Full refinance, HELOC, or hybrid combo - we map it out so you can compare. Same house. Better math.

• We protect the big picture.
No overleveraging. Emergency fund stays intact. Guardrails in place. This is strategy, not reaction.

Bottom line:
You’re not refinancing to win a rate game.
You’re refinancing to win back peace of mind.

DM “Refi Plan” with your ideal payment and current debts - we’ll run two side-by-sides to see if it makes sense.

11/12/2025

Don’t start with the price. Start with the payment.

When someone asks, “How much house can I afford?” — we flip the script.

Because you’re not buying a number on Zillow.
You’re buying a monthly payment that needs to feel calm on the 29th.

Here’s the smarter starting point:

• What’s your comfort zone payment? Not just what you can qualify for — what feels doable after life hits.
• Factor in the full picture: taxes, insurance, HOA, MI.
• Layer in your other debts — most programs target 45–55% DTI.
• Map your cash to close: down payment + costs + reserves.
• Then we reverse engineer the right price, based on real loan programs and today’s rates.

Most people go price → payment.
We go payment → plan → peace of mind.

DM PAYMENT and we’ll build your 3-number plan: price range, payment range, and total cash needed to close.

Let’s build around your life — not the list price.

11/10/2025

Self-employed ≠ shut out.

Too many business owners hear “no” from traditional lenders just because their taxes are structured smartly.

That’s where bank statement HELOCs come in.

We qualify you based on real revenue - not what’s leftover after write-offs.

Just helped a Nashville media pro unlock $300K using this strategy 💡

This isn’t bending rules. It’s knowing which ones apply.

If you’ve been told “you don’t qualify,” let’s take a second look. You might just be closer than you think.

11/07/2025

Just because one lender told you “no” doesn’t mean it’s the end of the road.

✅ Missed a card payment?
✅ Credit too thin?
✅ Self-employed with messy income?

We see it all the time - and we shop multiple lenders with different rules, guidelines, and programs.

Here's what most buyers miss:

• One lender’s no ≠ every lender’s no.
• Credit dings don’t define you.
• There are ways to reduce cash to close (hello, seller credits).
• Programs like VA, FHA, and down payment assistance may still be in reach.

Our job?

Help you make smart moves, not rushed ones.
It’s not just about fast approvals - it’s about calm, sustainable payments for the long run.

If you were told “wait 6 months,” send us a DM.

We’ll map out the options you actually have.

’tGiveUp

11/06/2025

People talk about real estate as a great investment - but most don’t know why it builds wealth.

Here are the 5 ways you get paid when you own real estate:

-Appreciation – Your home goes up in value
-Principal reduction – Your loan balance goes down
-Cash flow – Rent minus mortgage = monthly income
-Depreciation – A tax advantage that offsets rental income
-Rental income inflation – Rent increases over time, but your loan payment stays the same

Real estate works because of these layers.

Stack them right, and you’re building wealth while you sleep.

Want a breakdown of how this works with your numbers?

Send me a message and I’ll run a custom scenario.

11/05/2025

With 34 years of experience in lending and real estate, Kendall brings a rare level of depth, care, and wisdom to every client relationship. From conventional to VA, jumbo to reverse - if it’s a loan, she’s done it (and done it well) across more than 10 states.

What I admire most? She doesn’t just close loans - she builds long-term strategies and relationships that last.

Realtors, CPAs, financial planners, and attorneys trust her because she sees the big picture.

She’s a lifelong learner, an incredible educator, and someone who truly believes in helping people move toward their goals with clarity and confidence.

We’re beyond lucky to have you here Kendall. Let’s go! 🙌

11/04/2025

Here’s how a bank statement loan works 👇

Instead of using tax returns (which most self-employed folks write down anyway), we use the actual deposits going into your business bank account as income.

✅ No tax returns needed
✅ Just 12–24 months of bank statements
✅ Income based on deposits, not deductions

It’s simple. And for a lot of business owners, it opens a door that tax returns alone would keep shut.

Curious if this could work for you?

DM me and we’ll map it out.

11/03/2025

Most people chase money, thinking that’s the goal.

But when you peel it back, what you really want is peace of mind, control, freedom, and the ability to help the people you love.

Here’s the thing: when you find the right team - one that encourages you, guides you, and truly has your back - you start to realize what’s actually possible.

That’s the kind of leadership we believe in.

That’s the kind of team we’re building at The Lending Collective.

10/31/2025

September Recap – Grateful, Growing, and Having Fun Along the Way.

What a month! September was one for the books. Our team had the incredible opportunity to help 13 families with their mortgage financing, totaling over $7 million in volume.

Here’s a look at some of the highlights:

✦50% of our loans were Non-QM, helping more people qualify outside the traditional box.
✦4 self-employed borrowers purchased homes using bank statement loans - no tax returns needed.
✦3 first-time homebuyers achieved their dream of homeownership.
✦3 move-up buyers successfully sold and bought at the same time -yes, you can buy contingent on the sale of your current home in this market.
✦3 investors expanded their portfolios using DSCR loans, qualified purely on rental income (no W-2s, tax returns, or pay stubs).
✦One refinance client saved over $1,400 per month on their mortgage payment.

We’re incredibly grateful for the trust our clients and partners place in us every day. The momentum we’re seeing in the non-QM and creative financing space here in Middle Tennessee is exciting - and we’re just getting started.

Here’s to finishing the year strong, serving more families, and continuing to build a community where smart financing meets real opportunity.

10/30/2025

The Million Dollar Month Club!

What a proud moment for this crew. This milestone represents so much more than production - it’s a reflection of what happens when passion meets purpose. When you serve with heart, educate with purpose, and execute with discipline, results follow.

Every. Single. Time.

I couldn’t be prouder of this team - not just for the volume they close, but for the way they show up for their clients, partners, and each other.

The energy, collaboration, and care that go into every loan are what make this team special. In just one year, we’ve built something incredible - a community of professionals who truly believe in doing things differently.

The future is so bright, and this is just the beginning. Here’s to growth, gratitude, and a whole lot more million-dollar months ahead!

Proud of every single one of you.

10/30/2025

The Million Dollar Month Club!

What a proud moment for this crew. This milestone represents so much more than production - it’s a reflection of what happens when passion meets purpose. When you serve with heart, educate with purpose, and execute with discipline, results follow.

Every. Single. Time.

I couldn’t be prouder of this team - not just for the volume they close, but for the way they show up for their clients, partners, and each other.

The energy, collaboration, and care that go into every loan are what make this team special. In just one year, we’ve built something incredible - a community of professionals who truly believe in doing things differently.

The future is so bright, and this is just the beginning. Here’s to growth, gratitude, and a whole lot more million-dollar months ahead!

Proud of every single one of you.

Keith Collins

11/14/2025

11/13/2025

11/12/2025

11/10/2025

11/07/2025

11/06/2025

11/05/2025

11/04/2025

11/03/2025

10/31/2025

10/30/2025

10/30/2025

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Monday	9am - 7pm
Tuesday	8am - 7pm
Wednesday	8am - 7pm
Thursday	8am - 7pm
Friday	9am - 7pm