Bruce Dawson at Legacy Mortgage Services, Inc

Bruce Dawson at Legacy Mortgage Services, Inc 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

VA Myth Buster: VA Loans Aren’t Just for First-Time HomebuyersThink you used your VA benefit once, so you’re done? Not n...
09/08/2026

VA Myth Buster: VA Loans Aren’t Just for First-Time Homebuyers

Think you used your VA benefit once, so you’re done? Not necessarily.

Eligible veterans may be able to use VA financing again—even if they've owned a home before.

One thing to know: for a purchase loan, if you're not exempt from the VA Funding Fee, the fee for subsequent use can be higher:

First-time use: 2.15%
Subsequent use: 3.3%
5% or more down: 1.5%
10% or more down: 1.25%
10% or more VA disability: No VA Funding Fee

The VA benefit can be a powerful tool, but the rules and numbers matter. Don't assume you can't use it again just because you've owned a home before.

Have questions about using your VA benefit again? Let's talk before you count yourself out.

Bruce Dawson
Senior Mortgage Loan Officer
Retired Army | VA Home Loan Specialist
Veteran Serving Veterans
NMLS #33561
Legacy Mortgage Services, Inc. | NMLS #1613
Licensed in TN & KY
931-551-8999
[email protected]
Equal Housing Lender

Mortgage Monday: Why Did My Mortgage Payment Change?Ever open your mortgage statement and think, “Wait a minute… I don’t...
09/07/2026

Mortgage Monday: Why Did My Mortgage Payment Change?

Ever open your mortgage statement and think, “Wait a minute… I don’t remember agreeing to THAT payment!”

You’re not alone.

Your monthly mortgage payment can include several components:

Principal – Pays down the balance you borrowed.
Interest – The cost of borrowing the money.
Taxes – Property taxes can change as tax rates or assessed values change.
Insurance – Homeowners insurance premiums can increase or decrease.
Escrow – Your lender may collect money each month to pay your property taxes and insurance. If those costs change, your escrow payment can change too.

So, if your payment suddenly goes up, it doesn't necessarily mean your interest rate changed. An escrow shortage or an increase in taxes or insurance is often the culprit.

Have questions about your mortgage payment or escrow account? Don't scratch your head over it—give me a call. I'm happy to help you understand where your payment is going.

Bruce Dawson
Senior Mortgage Loan Officer
Retired Army | VA Home Loan Specialist
Veteran Serving Veterans
Licensed in TN & KY
NMLS #33561
Legacy Mortgage Services, Inc. | NMLS #1613
931-551-8999
[email protected]
Equal Housing Lender

Debt Ratios: What Do They Actually Mean?Ever wonder how a lender determines whether a mortgage payment fits comfortably ...
08/27/2026

Debt Ratios: What Do They Actually Mean?

Ever wonder how a lender determines whether a mortgage payment fits comfortably into your budget?

One important piece of the puzzle is your debt-to-income ratio, or DTI.

Simply put, your debt ratio compares the monthly debt you owe to the income you earn. It helps a lender determine how much of your monthly income is already committed to things like car payments, credit cards, student loans and your proposed housing payment.

For example:
If you earn $6,000 per month and your total qualifying monthly debts are $2,400, your debt ratio is 40%.

But here's something important: there isn't always a one-size-fits-all maximum.

Some loan programs may allow a higher debt ratio when there are compensating factors that strengthen the overall application. An automated approval through an Automated Underwriting System (AUS) can also allow a loan to qualify outside of what someone might consider a traditional debt-ratio guideline.

That's why I don't recommend looking at one number and assuming you're approved — or denied.

Your income, credit history, assets, down payment, reserves, debts and overall financial profile all matter.

If you're wondering, "Can I afford to buy a home with the debts I already have?" let's take a look at the numbers together.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.
931-551-8999
[email protected]

NMLS #33561 | Company NMLS #1613
Licensed in TN & KY
Equal Housing Lender

Retired Army | VA Home Loan Specialist | Veteran Serving Veterans

VA Myth Buster: You Need Excellent Credit for a VA LoanThink a VA loan is off the table because your credit score isn't ...
08/26/2026

VA Myth Buster: You Need Excellent Credit for a VA Loan

Think a VA loan is off the table because your credit score isn't perfect? Think again.

The VA itself does not set a minimum credit score requirement. Instead, lenders look at your overall financial picture, including your credit history, income, debts, and ability to repay.

That said, individual lenders may have their own credit-score requirements, so knowing where you stand — and which lender you're working with — matters.

If you're a veteran or active-duty service member wondering whether your credit qualifies for VA financing, don't disqualify yourself before having the conversation. Let's look at your situation and see what options may be available.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services
931-551-8999
[email protected]
NMLS #33561 | Company NMLS #1613
Licensed in TN & KY

Retired Army | VA Home Loan Specialist | Veteran Serving Veterans
Equal Housing Lender

Did You Know?Here’s a completely useless piece of baseball knowledge that may someday win you a bar bet, settle an argum...
08/25/2026

Did You Know?

Here’s a completely useless piece of baseball knowledge that may someday win you a bar bet, settle an argument, or at least make you sound like you know what you’re talking about.

Only two Major League Baseball team names do not end with the letter “S”:

Boston Red Sox
Chicago White Sox

You never know when this question may pop up. Now you know.

And while I may not be able to help you with your baseball trivia, I can definitely help when the question is, “How do I finance this house?”

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services
NMLS #33561 | Company NMLS #1613
Licensed in Tennessee & Kentucky
931-551-8999
[email protected]
Equal Housing Lender

Retired Army | VA Home Loan Specialist | Veteran Serving Veterans

Monday Mindset: Rise Above the RestIt’s Monday. New week. New goals. New opportunities.Don’t let Monday get the best of ...
08/24/2026

Monday Mindset: Rise Above the Rest

It’s Monday. New week. New goals. New opportunities.

Don’t let Monday get the best of you. Get focused, make a plan, and take that next step toward your homeownership goals.

Whether you’re buying your first home, moving up, refinancing, or building your future, I can help you find the right loan to get you to your new home.

Let’s make this your best week yet.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.
(931) 551-8999
[email protected]
NMLS # 33561 | Co. NMLS # 1613
Licensed in TN & KY
Equal Housing Lender

Think Twice About Those Big Builder IncentivesBuilder incentives can look pretty hard to pass up — rate buydowns, closin...
08/20/2026

Think Twice About Those Big Builder Incentives

Builder incentives can look pretty hard to pass up — rate buydowns, closing-cost credits, upgrades, appliances and other perks can certainly make a new home purchase more attractive
But big incentives aren't automatically a great deal. Sometimes they are. Sometimes the numbers tell a different story.

Before you sign on the dotted line, it's worth looking at:
Is the sales price higher to help fund the incentive?
Does the price support the appraisal and comparable sales?
Are you getting the best overall rate and fees, or simply the biggest advertised incentive?
Could a temporary rate buydown create a payment increase later?
Are you financing a higher purchase price than necessary?
Could the incentive affect your negotiating power?
What could the higher sales price mean for property taxes?
Are you being encouraged to use the builder's preferred lender or title company? Make sure you understand your options.
The goal isn't to avoid builder incentives. A good incentive can absolutely save you money. The goal is to understand the entire deal rather than getting focused on one big number that sounds good.

If you're considering a new construction home, give me a call before you make a decision. I'll help you look at the financing, compare your options and determine whether the incentive actually benefits you.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services
(931) 551-8999
[email protected]
NMLS # 33561 | Co. NMLS # 1613
Licensed in TN & KY
Equal Housing Lender

Wednesday: Take the Easy Step Toward HomeownershipWednesday is a great day to stop thinking about buying a home and star...
08/19/2026

Wednesday: Take the Easy Step Toward Homeownership

Wednesday is a great day to stop thinking about buying a home and start making a plan.

Getting started doesn't have to be complicated. All it takes is a conversation. I'll help you understand your financing options, select the loan program that fits your goals and budget, and, if needed, connect you with a professional Real Estate Agent who can help you find the right home.

Whether you're a first-time buyer, a veteran, moving to the area, or simply wondering what you can afford, let's take that first step together.

One phone call can turn “someday” into a plan.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services
NMLS #33561 | Company NMLS #1613
Licensed in TN & KY
Retired Army | VA Home Loan Specialist | Veteran Serving Veterans
Phone: 931-551-8999
Email: [email protected]
Equal Housing Lender

Monday: Get Ahead. Get Moving. Get Home.Back from vacation and ready to hit the ground running!Monday is here, and I’m n...
08/17/2026

Monday: Get Ahead. Get Moving. Get Home.

Back from vacation and ready to hit the ground running!

Monday is here, and I’m not interested in just keeping up with the competition — I’m ready to get ahead of it. If homeownership is on your goal list, this is a great week to stop talking about it and start making a plan.

Whether you’re a first-time buyer, a veteran, relocating to Tennessee or Kentucky, or simply wondering what your financing options look like, let’s put a strategy together.

You bring the homeownership goal. I’ll help you navigate the financing.

Let’s make this your week of homeownership!

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services, Inc.
NMLS #33561 | Company NMLS #1613
Licensed in TN & KY
Retired Army | VA Home Loan Specialist | Veteran Serving Veterans
Phone: 931-551-8999
Email: [email protected]
Equal Housing Lender

Hump Day: Crush the Rest of the WeekIt’s Wednesday — we’re officially halfway to the weekend!The week may have already t...
08/12/2026

Hump Day: Crush the Rest of the Week

It’s Wednesday — we’re officially halfway to the weekend!

The week may have already thrown a few curveballs your way, but now is not the time to let off the gas. Crush the rest of the week, finish strong, and keep moving toward your goals.

And if one of those goals happens to be buying a home, refinancing, or figuring out what your mortgage options look like, I’m here to help you navigate the financing side without the headache.

I may be enjoying a little Florida sunshine this week, but the mortgage business doesn’t stop just because I’m near the beach.

Bruce Dawson
Senior Mortgage Loan Officer
Legacy Mortgage Services
NMLS #33561 | Company NMLS #1613
Licensed in Tennessee & Kentucky
Retired Army | VA Home Loan Specialist
Veteran Serving Veterans
931-551-8999
[email protected]
Equal Housing Lender

Halfway there. Now go crush the rest of the week.

Address

Clarksville, TN

Telephone

+19315518999

Website

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