Brett Wilmer NMLS #459970

Home
United States
Franklin, TN
Brett Wilmer NMLS #459970

Call Directions Website Contact the business

Regional Vice President. Licensed by the Virginia State Corporation Commission.

My goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing.

11/02/2026

A simple thank you can make someone’s day.

11/02/2026

Two numbers make a bridge loan safe, and they rarely come up.

First, the term. It's about four months, and it can extend to six. That's your runway. In a lot of markets, that's plenty of time to sell a home that's priced right.

Second, we're not tapping all of your equity. Usually around eighty percent.

That leftover twenty percent is the entire point. It's the cushion that keeps you flexible if the sale takes longer than you hoped, or comes in under your number.

A bridge that uses every dollar of equity isn't a bridge. It's a tightrope.

Save this before you buy. Before you sell.

10/30/2026

Paying points is either a great deal or a donation. One number tells you which.

A point costs 1% of your loan amount. Divide that cost by what it saves you each month, and you have your break-even in months.

Then answer honestly. Will you keep this loan that long?

On a house you'll hold for 15 years, points can be excellent. Refinance in 2 and you paid for savings you never collected.

Save this before you pay a single point.

10/30/2026

From caring for aging parents to creating space for extended family, multi-generational homes continue to serve an important purpose. We can help these buyers secure financing that fits the whole family.

10/29/2026

The reason people are scared of bridge loans is the payment. On ours, there isn't one.

It's interest only, with deferred payments. While you're carrying two houses, you're not making a payment on the bridge at all.

You can't miss a payment you don't have to make.

That single detail changes the entire risk conversation. The fear is always the same. What if my house doesn't sell fast enough, and two mortgages start crushing me?

I've had clients sit comfortably through a slower sale for exactly that reason, and never lose a night of sleep over it.

Comment "bridge" if nobody ever told you this existed.

10/29/2026

Big plans? Unexpected expenses? A CCM Signature Agency Cash Access refinance can help you access up to 90% combined loan-to-value, providing more available funds than a conventional cash-out refinance. See what may be possible: http://spr.ly/6182BHbLl2

10/28/2026

Sold a business. Inherited money. Just came through a divorce.

That alone can qualify you for a mortgage.

Brokerage accounts, retirement accounts, settlement money, proceeds from a sale. We run your liquid assets through a formula, and it becomes your income on paper. No job required.

The people this program was built for are usually the exact people most convinced they can't qualify. Their money just doesn't show up as a paycheck twice a month.

I get some version of that call every month. And the answer is almost never no.

Your money doesn't have to arrive on a schedule to count.

Know someone sitting on real money who's been told they don't qualify? Send them this.

10/27/2026

A bridge loan can pay off both mortgages and still hand you money at closing.

It usually gets pictured as a small stopgap that covers a down payment. It can actually cover what you owe on your current home, what you need on the new one, and put additional cash in your hands.

I've had clients walk out of a bridge closing with the down payment covered, the old loan handled, and a cushion for the move and the renovations.

One loan. Instead of juggling three payments, a line of credit, and a prayer.

It's a much bigger tool than it gets credit for.

Save this before you list your house.

10/27/2026

Own your home and your timeline. We'll help you buy when you’re ready — even if your current home isn’t. Get the Buy Now, Sell Later basic: http://spr.ly/6182BHrtts

10/26/2026

Passion brings life to every day.

Address

302 Innovation Drive, Suite 470
Franklin, TN
37067

Telephone

+16156189735

Website

https://crosscountrymortgage.com/Franklin-TN-3554/Brett-Wilmer/

Alerts

Be the first to know and let us send you an email when Brett Wilmer NMLS #459970 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.