Joe DeFatta, NMLS 2126579, Novus Home Mortgage

Joe DeFatta, NMLS 2126579, Novus Home Mortgage Born and raised in Nashville, Joe DeFatta, Jr. experienced first-hand the expansion of the Middle Tennessee area.

Growing up in the family owned custom-home construction business positioned Joe as a powerful connection, leveraging personal and professional resources to meet those growth demands. Today, the DeFatta family name is known for superior quality, building some of the most exceptional custom homes in the middle Tennessee area. In 2019, Joe began exploring avenues outside the construction business, wh

ile still desiring to serve those looking for home related resources. After considerable discernment and recognizing a few connections along the way, Joe began his career in mortgage banking. Today, Joe is a Branch Manager with the Nashville based Texana Bank office. Working alongside some of the best, tenured mortgage professionals in the Nashville area, Joe has quickly learned the value of connecting his resources with his clients and valued referral sources. Joe has established reputable connections to assist anyone beyond mortgage financing, including custom home building, home improvement, home maintenance, financial planning and family planning. A proven winner and former division one college athlete, Joe chose to return back to Nashville and marry his high-school sweetheart, Hannah. Residents of Franklin, TN, Joe and Hannah enjoy life in their new home with their new baby boy Henry. Both are highly active in the Brentwood United Methodist Church where Hannah pursues her passion and love for youth ministry.

Here’s the deal: An escrow account is like a savings account for your home. When you make your monthly payment, a portio...
03/31/2024

Here’s the deal: An escrow account is like a savings account for your home. When you make your monthly payment, a portion of it goes into this special account held by a third party.

But why? Well, it’s about making sure your property taxes and homeowners insurance get paid. Instead of having to save up for those big bills through the year, your lender takes care of it for you by setting aside a little bit each month. Pretty handy, right?

Ready to learn more? Reach out today!

Here’s how it works: With a buydown, you pay a little extra upfront to lower your interest rate for the first few years ...
03/29/2024

Here’s how it works: With a buydown, you pay a little extra upfront to lower your interest rate for the first few years of your loan.

Why would you want this? Well, it can help lower your monthly payments in the early years of your mortgage, making it more manageable while you settle into your new home. Think of it as giving yourself a little breathing room as you adjust to your new digs.

Ready to dive deeper into the world of buydowns? Drop me a message and let's discuss a strategy that works for you!

There are more reasons than you think!Beyond securing a lower interest rate, consider consolidating debt, shortening you...
03/27/2024

There are more reasons than you think!

Beyond securing a lower interest rate, consider consolidating debt, shortening your loan term, accessing home equity for investments or renovations, switching loan types for stability, or removing mortgage insurance.

Ready to unlock your home's financial potential? Let's discuss your options and create a tailored refinancing plan today!

While a stellar credit score is great, it's not the only way to secure a mortgage. Even if your credit isn't perfect, th...
03/25/2024

While a stellar credit score is great, it's not the only way to secure a mortgage. Even if your credit isn't perfect, there are still options out there.

Let's chat about your situation and explore mortgage solutions that fit your needs, regardless of your credit score. Reach out today to start the journey toward your dream home!

Let's talk about it!To get pre-approved, you'll need to fill out an application and gather documents showing your income...
03/23/2024

Let's talk about it!

To get pre-approved, you'll need to fill out an application and gather documents showing your income, savings, debts, and credit history. If everything checks out, you'll get a thumbs-up for a certain amount you can borrow.

Ready to get started? Contact me today!

It's like a safety net for lenders, kicking in if the borrower happens to default on the loan.Usually tagged onto conven...
03/21/2024

It's like a safety net for lenders, kicking in if the borrower happens to default on the loan.

Usually tagged onto conventional loans with down payments of less than 20%, PMI might seem like an extra expense, but it opens doors for many hopeful homeowners by enabling them to pay less up front.

Curious if PMI is on the table for you? Let's talk. Reach out, and I'll provide the clarity you need to make informed decisions about your mortgage journey.

The amount you'll need depends on a bunch of factors, like the type of mortgage you're eyeing and your financial situati...
03/16/2024

The amount you'll need depends on a bunch of factors, like the type of mortgage you're eyeing and your financial situation. Sure, you might have heard that magical 20% figure, but fear not! There are options out there tailored to your circumstances.

Imagine this: some programs offer as low as 3% down for those who qualify. And don't forget those amazing down payment assistance programs waiting to be discovered!

Let's ease that burden together. Drop me a line, and let's chat about your specific needs. Together, we'll craft a strategy to make those homeownership dreams of yours a reality!

It's like a whirlwind of economic trends, personal finances, and global happenings all swirling together!Picture this: m...
03/14/2024

It's like a whirlwind of economic trends, personal finances, and global happenings all swirling together!

Picture this: market conditions, your credit score, inflation – they're all in the mix, shaping the interest rate you're offered. Even those unexpected global events can send ripples through the mortgage world!

Excited to untangle this web and dive into your options? Don't wait! Shoot me a message or give me a call today, and let's kickstart your journey to owning your slice of real estate heaven!

If you're dreaming of a new home or looking to refinance, now's the perfect time to make those plans blossom. What’s you...
03/14/2024

If you're dreaming of a new home or looking to refinance, now's the perfect time to make those plans blossom.

What’s your favorite thing about Spring? Comment below!

Address

9 Cadilac Drive
Brentwood, TN
37027

Telephone

+16154915825

Website

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