Bruce Dawson at Legacy Mortgage Services, Inc

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Clarksville, TN
Bruce Dawson at Legacy Mortgage Services, Inc

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Sr. Mortgage Loan Officer with Legacy Mortgage Services, Inc. NMLS # 33561. Company NMLS # 1613

Guiding you through the home buying process

*My Background*

After retiring from the US Army I entered into the real estate business. I spent just a little over two years as a real estate agent before entering into real estate financing. I have been in the mortgage industry for over 20 years and have assisted many customers in their dream of home ownership. I understand the real estate business is very competitive, but I know there is more than simply securing the lowest interest rate. This is why I ask a lot of questions and take the time to listen to your answers. I want to offer the best option available that is in your best interest, not mine. No matter who you select as your real estate agent, I guarantee I will serve your best interests. I'm a graduate of Nova Southeastern University with a B.S. in Management.

*A VA Loan*

With Ft. Campbell, KY centered between Clarksville, TN and Oak Grove, KY, the most common loan is a Veterans Administration (VA) Loan. It requires no money down, nor does it have mortgage insurance - the loan is guaranteed by VA. The VA loan does not have a pre-payment penalty. Your complete credit history is reviewed to determine your qualification. Your VA is not a one time use—you can use your VA multiple times but there are stipulations so please contact me to discuss your particular situation.

*Loan Products Available*

VA Financing

FHA Financing

Conventional Financing

THDA (Tennessee Housing Development Agency)

Rural Development

Licensed in Tennessee (TN Lic # 101157) and Kentucky (KY Lic # MB 14357). Company TN Lic # 108726, KY Lic # MC 80851. NMLS # 33561/Co. 1613

Legacy Mortgage Services, Inc. makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the information, products, services, or related graphics contained in/on this website for any purpose and will not be liable for any loss or damage (direct, indirect or consequential) arising from the use of the same. Any reliance you place on such information is strictly at your own risk. The thoughts, opinions and/or views expressed herein are the sole responsibility and product of their respective author(s). Legacy Mortgage Services, Inc is an Equal Housing Lender

11/02/2026

MORTGAGE MONDAY: CREDIT DOs AND DON'Ts

Getting ready to buy your first home? Congratulations! But before you start picking out furniture, let's make sure a few simple credit habits don't get in the way of getting to the closing table.

Here are four important reminders while your mortgage is being processed:

DO:

Keep paying your credit cards on time. Your payment history matters, so don't let a payment slip through the cracks.

Keep documentation for any large deposits. Your lender may need to verify where those funds came from, so keep a paper trail.

DON'T:

Open a new furniture store credit card before closing. That new payment and credit inquiry could affect your debt-to-income ratio and loan approval.

Change jobs or quit to start a business in the middle of the mortgage process without talking to your lender first. Changes in employment and income can create additional underwriting requirements and potentially delay your closing.

A LITTLE PLANNING NOW CAN SAVE A LOT OF HEADACHES LATER!

And remember, if you've been told NO — LET'S TALK! Your situation may deserve a second look. If the timing isn't right today, we can work together on a plan to get you ready for tomorrow.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.

Phone: (931) 551-8999
Email: [email protected]

NMLS #33561 | Company NMLS #1613
Licensed in Tennessee and Kentucky

Veteran Serving Veterans — From Base to Backyard.

Whether you're a first-time buyer, veteran, or planning your next move, let's talk about your homeownership goals. I'll help you understand your options and develop a plan that makes sense.

Credit, income, eligibility, and underwriting requirements apply.

10/30/2026

Happy Halloween Weekend!

Halloween is all about tricks and treats, but buying a home shouldn't have to be scary!

If homeownership is on your wish list but you've been told you don't qualify, don't let that be the end of the story. Different loan programs may offer options you haven't considered yet.

If you've been told NO — let's talk! A second look costs nothing, and even if you're not ready to buy today, we can put a plan together to help you get there.

Have a safe and fun Halloween weekend! Keep an eye out for those trick-or-treaters, drive carefully, and make sure the little ghosts and goblins get home safely.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.
NMLS #33561 | Company NMLS #1613
Office: (931) 551-8999
Email: [email protected]
Website: www.legacytn.com/bdawson

Licensed in Tennessee and Kentucky.

Veteran Serving Veterans — and helping homebuyers find the right financing for their goals.

Equal Housing Lender. All loans subject to credit approval, underwriting requirements, and program guidelines.

10/29/2026

MORTGAGE QUESTION OF THE WEEK: Can I change employment and still get approved?

The short answer is YES, changing jobs doesn't automatically mean your mortgage plans have to be put on hold! But the type of employment change matters.

If you're changing to another hourly or salaried position:
Lenders will look at your new income, employment history, job stability, and whether your new position provides consistent, qualifying income. A new job offer may work in your favor, depending on the circumstances and loan guidelines.

If you're becoming self-employed:
The review can be more complicated. Lenders typically need to evaluate your self-employment history, tax returns, and qualifying income. Depending on the loan program and your circumstances, additional documentation or a longer history may be required.

My advice? Talk to your mortgage lender BEFORE making the move. A quick conversation could help you understand how a job change may affect your ability to qualify and what steps you should take before moving forward.

IF YOU'VE BEEN TOLD NO — LET'S TALK!

Every borrower's situation is different. If you've changed jobs, are considering a career change, or have been told you can't qualify, let's take a second look. If the timing isn't right today, we can work on a plan for the future.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.

Phone: (931) 551-8999
Email: [email protected]

NMLS #33561 | Company NMLS #1613
Licensed in Tennessee and Kentucky

Veteran Serving Veterans — From Base to Backyard.

Let's talk about your homeownership goals and see what options may be available. Employment, income, credit, and loan program requirements apply.

10/28/2026

DID YOU KNOW? Another useless fact that might come in handy!

The average person walks the equivalent of three to five times around the Earth over their lifetime, depending on how it's calculated.

That's a lot of steps! And here I thought walking from the parking lot to the office on a Monday morning was enough exercise!

Here's another fun fact: the average person takes thousands of steps a day. That's a lot of ground covered without even thinking about it.

Speaking of moving forward, if buying a home is on your to-do list, let's take a few steps in the right direction!

If you've been told no, let's talk. If we can't make it happen today, we'll work on a plan for the future.

Bruce Dawson
Senior Mortgage Loan Officer | Legacy Mortgage Services, Inc.
NMLS #33561 | Company NMLS #1613
Phone: (931) 551-8999
Email: [email protected]
Licensed in Tennessee and Kentucky.
Veteran Serving Veterans — From Base to Backyard.
Your next step toward homeownership could start with a simple conversation.

10/26/2026

MORTGAGE MONDAY: What Counts as Income When Applying for a Mortgage?

Think you need a traditional 9-to-5 paycheck to qualify for a mortgage? Not necessarily!

Depending on the loan program and your circumstances, several types of income may count toward mortgage qualification, including:

Employment Income: Salary, hourly wages, overtime, bonuses, and commissions.

Self-Employment Income: Income from your business, subject to documentation and underwriting requirements.

Retirement Income: Social Security, pensions, and eligible retirement distributions.

Other Income: Certain disability benefits, alimony, rental income, and other qualifying sources.

The important thing to remember is that every income source is evaluated differently. Documentation, income history, stability, and loan program guidelines all play a role in determining what can be used to qualify.

Don't assume you won't qualify just because your income situation isn't straightforward. Let's review your options and see what may work for you.

IF YOU'VE BEEN TOLD NO — LET'S TALK!

If we can make it happen now, let's get to work. If the timing isn't right, we'll develop a plan to help you prepare for homeownership in the future.

Have questions? Give me a call. Let's talk about your homeownership goals!

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.
Phone: (931) 551-8999
Email: [email protected]

NMLS #33561 | Company NMLS #1613
Licensed in Tennessee and Kentucky
Equal Housing Lender

All loans are subject to credit approval, underwriting guidelines, and program requirements. Not all income sources will qualify.

10/22/2026

Mortgage Question of the Week: Can I Buy a House While I’m Still Renting?

The answer is YES! You may be able to purchase a home while you're still renting. The key is understanding your financing options and planning the transition from your current lease to homeownership.

Here are three things to keep in mind:

Primary Residence: Generally, you’ll need to intend to occupy your new home within 60 days of closing.

1. Lease Timing: Review your lease and talk with your landlord about notice requirements, early termination options, and potential fees.

2. Plan the Transition: Let’s coordinate your financing, closing date, lease expiration, and move so you can avoid unnecessary expenses and surprises.

3. If you've been told NO — LET'S TALK!

There may be options worth exploring. And if the timing isn't right or nothing can be done today, we'll put together a plan to help you prepare for the future. A “no” today doesn't have to mean “no” forever.

Let's talk about your homeownership goals.

Bruce Dawson | Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.
Phone: (931) 551-8999
Email: [email protected]
Website: www.legacytn.com/bdawson

NMLS #33561 | Company NMLS #1613
Licensed in Tennessee and Kentucky
Equal Housing Lender

10/21/2026

DID YOU KNOW? SOMETIMES THE STRANGEST FACTS ARE TRUE!

Did you try humming with your nose pinched after seeing my latest Did You Know? graphic? Be honest! Sometimes curiosity gets the best of us!

Now, let's talk about something a little more important than humming: your homeownership goals!

Are you thinking about buying a home but aren't sure where to start? Maybe you've got questions about your credit score, down payment, monthly payments, or which loan program might work best for you.

WERE YOU TOLD NO? LET'S TALK!

A second set of eyes may help uncover options that weren't considered the first time around. Every situation is different, and sometimes a fresh review can make a difference.

And if now isn't your time to purchase, that's okay, too! Let's put a plan together to help you prepare for the future. That might mean working on your credit, reducing debt, saving for closing costs, or simply understanding what you'll need to qualify.
You don't have to have everything figured out today. You just need to know your next step!

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.
Phone: (931) 551-8999
Email: [email protected]

NMLS #33561 | Company NMLS #1613
Licensed in Tennessee and Kentucky
Veteran Serving Veterans
Equal Housing Lender

Loan approval, rates, terms, and program eligibility vary based on individual qualifications and underwriting guidelines.

Whether you're ready to buy today or planning for tomorrow, give me a call. Let's talk about your options!

10/20/2026

VA MYTH BUSTER: YOU CAN BUY AN OLDER HOME WITH A VA LOAN!

Think you can’t use your VA home loan benefit to purchase an older home? That’s a myth!

THE FACT: A home’s age alone does not make it ineligible for VA financing. The property must meet the VA’s Minimum Property Requirements (MPRs), which are intended to help ensure the home is safe, structurally sound, and sanitary.

That older home with character and charm might still be an option! The key is making sure the property meets the requirements.

WERE YOU TOLD NO? LET’S TALK!

Whether you were told you couldn’t qualify for a VA loan, were turned down by another lender, or were told a particular property wouldn’t work, it may be worth getting a second opinion.

Every borrower and property is different. I’ll review your situation, discuss your options, and help you understand what steps may be available.

It doesn't hurt to ask questions. A second opinion could open the door to possibilities you didn't know you had.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.
Phone: (931) 551-8999
Email: [email protected]

NMLS #33561 | Company NMLS #1613
Licensed in Tennessee and Kentucky
Veteran Serving Veterans
Equal Housing Lender

VA loan approval and property eligibility are subject to applicable

VA requirements, lender guidelines, credit approval, and underwriting.

Have questions about your VA home loan benefit? Give me a call. Let's talk about your options!

10/19/2026

MORTGAGE MONDAY: SAME HOUSE, DIFFERENT BUYERS, DIFFERENT LOAN AMOUNTS!

Ever wonder why one person qualifies for a $350,000 home while someone else may qualify for more—or less—even when they earn similar incomes?

It’s not just about the house. It’s about your complete financial picture!

Here are a few things that can affect how much you may qualify to borrow:

- Credit Score: Can affect your loan options, interest rate, and qualifying terms.

- Loan Program: VA, FHA, Conventional, USDA, and other programs have different guidelines.

- Down Payment: The amount you put down can affect your loan amount and monthly payment.

- Debt-to-Income Ratio: Your existing monthly debts play a role in determining what you can afford.

- Income and Assets: Lenders review your qualifying income, available funds, and overall financial situation.

The good news? You don’t have to figure it out alone. I’ll help you understand your options and determine which financing approach may fit your situation.

WERE YOU TOLD NO? LET’S TALK!

A previous denial doesn’t necessarily mean homeownership is out of reach. A second look may help identify another loan program, address a qualifying issue, or establish a plan to move forward. Every situation is different, but it’s worth having the conversation.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.

Phone: (931) 551-8999
Email: [email protected]
Website: www.legacytn.com/bdawson

NMLS #33561 | Company NMLS #1613
Licensed in Tennessee and Kentucky
Veteran Serving Veterans

Equal Housing Lender

Loan approval, rates, terms, and program eligibility vary based on individual qualifications and underwriting guidelines.

Thinking about buying a home? Have questions about your financing? Give me a call. Let’s talk about your options!

10/16/2026

HAPPY FRIDAY! TIME TO HIT THE ROAD FOR THE WEEKEND!

The workweek is in the rearview mirror, and the weekend is calling! If you’re ready to put the pedal to the metal on your homeownership goals, I’m here to help you get moving.

Whether you’re a first-time homebuyer, a veteran looking to use your VA home loan benefit, or simply ready for a change of scenery, let’s talk about your mortgage options.

Not sure what you can afford? Wondering about down payment options, credit requirements, or estimated monthly payments? Before you take off on your home search, let’s make sure you have a financing plan in place.

I may be hitting the road for the weekend, but I’m still available for your call to help with your home-buying needs!

Have a great weekend, drive safely, and remember: the road to homeownership starts with a good plan.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.

Phone: (931) 551-8999
Email: [email protected]
Website: www.legacytn.com/bdawson

NMLS #33561 | Company NMLS #1613
Licensed in Tennessee and Kentucky
Veteran Serving Veterans

Equal Housing Lender

Loan approval, rates, terms, and program eligibility vary. Down payment requirements depend on the loan program and borrower qualifications.

Have a mortgage question? Give me a call. Let’s get you on the road to homeownership!

Address

Clarksville, TN

Telephone

+19315518999

Website

http://www.legacytn.com/bdawson

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