Chad Appleton - Compass Mortgage

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Franklin, TN
Chad Appleton - Compass Mortgage

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Chad Appleton - Compass Mortgage, Loan service, 720 Cool Springs Boulevard, Suite 110, Franklin, TN.

10/19/2026

Thank you to this incredible family for trusting me to be a part of the homebuying journey! Nothing more rewarding than seeing the pure joy in a family’s smile, emotions, body language, and stories after buying their first home.

Reach out if I can be a resource in your homebuying journey.

https://myoc.io/chadappleton

10/12/2026

Every time inflation data drops, headlines run wild about interest rates. But here’s what matters most to buyers: What does this do to my monthly check? 💵

The news makes it sound scary. The math shows a completely different picture.
On a typical loan, a quarter-point shift in rate equals the price of a couple of pizzas a month—and with the right negotiation strategy, we can often get the seller to cover that difference for you.

Rate moves affect two things:
-Your monthly cash flow
-How aggressively we negotiate seller credits at the closing table

A minor rate tick doesn't mean you have to pause your home search. It means we need to structure your loan smarter—leveraging rate buydowns, down payment strategies, and seller-paid closing costs.

📞 Stop scrolling through financial noise. Give me a call or drop me a DM with your target home price, and I'll send you a clear, personalized breakdown of your real monthly numbers.

📲 Check out your personalized options here: https://myoc.io/chadappleton

10/09/2026

Stop waiting for 3% rates. That was an anomaly, not the baseline.

Here’s the history lesson: in 1981, rates hit 16.63%. For over 50 years, the average has sat right around 7.72%.

But here’s what most buyers are missing about today’s market: When rates sit near historical norms, buyer competition drops—and YOUR leverage goes up.

Right now, smart buyers aren't just shopping for interest rates; they’re using their leverage to negotiate:
🤝 Seller-paid interest rate buydowns (like a 2-1 temporary buydown)
💰 Significant closing cost credits
🏠 Price reductions & repairs without getting into multi-offer bidding wars

When rates drop, buyer competition floods back in and price flexibility disappears. Today, you hold the cards at the negotiating table.

Ready to see what kind of leverage you have right now? Send me a message for a custom strategy & rate quote. 📲

Rates shown are historical national averages (Freddie Mac PMMS), not a commitment to lend or a specific rate quote.

https://myoc.io/chadappleton

10/07/2026

🚨 Thinking about buying a home, but today’s interest rates have you sitting on the fence?

Here’s the secret smart buyers are using right now: Marry the house, date the rate! You can always refinance your mortgage when rates drop down the road—but you can’t get back today’s market leverage once it's gone.

Here are 5 reasons why NOW is actually the prime time to buy:

1️⃣ It’s a Buyer’s Market (Maximum Negotiation Power): Inventory has opened up, which means less competition and zero crazy bidding wars. Sellers are motivated and ready to negotiate on price and terms.

2️⃣ Massive Seller Concessions & Rate Buydowns: Because sellers are competing for buyers, they are offering serious credits toward closing costs or funding temporary rate buydowns (like a 2-1 buydown) that can lower your interest rate by 1%–2% for the first couple of years!

3️⃣ Avoid the Rate-Drop Buyer Surge: The second interest rates dip, millions of sidelined buyers will flood back into the market. That sudden demand spike will trigger bidding wars and push home prices sharply higher. You might get a lower rate later, but you'll pay a much higher purchase price!

4️⃣ Start Building Equity Today: Real estate appreciates over time. By buying now at a negotiated price, you start building equity immediately as values rise, rather than paying more for the same house a year from now.

5️⃣ Escape the Rent Trap: Rent prices keep climbing, and 100% of your rent payment goes to your landlord’s equity. Locking in a mortgage gives you payment stability and puts your money to work for your future.

Don’t wait for the crowds to come back—take advantage of seller credits and buyer leverage while you have it! 🏠✨

📲 Want to see how seller concessions can lower your monthly payment today? Click the link below or send me a DM to run the numbers!

👇 Get Started Here:
https://myoc.io/chadappleton

10/02/2026

Worried about interest rates? Remember: You marry the house, but you only date the rate! 💍🏠

You can always refinance your mortgage when rates drop—but that perfect home won’t stay on the market forever.

Here’s what smart buyers know right now:

📉 It’s a Buyer’s Market: More inventory means less competition, no crazy bidding wars, and room to negotiate.

🎁 Sellers Are Offering Concessions: Sellers are actively covering closing costs, paying for temporary rate buydowns (like a 2-1 buydown), or lowering prices to get deals done.

Don't let headline interest rates keep you on the sidelines while leverage is on your side. Focus on finding the right home—I’ll take care of structuring the perfect financing strategy!

📲 Send me a DM, text, or give me a call today to see how seller concessions can lower your monthly payment right now.

https://myoc.io/chadappleton

09/28/2026

Think you’re stuck because you have a 3% mortgage rate? Think again. 🏠🔒

You don't need to do a cash-out refinance and blow up your ultra-low primary mortgage rate just to access your home's equity. You can keep your 3% rate and tap into your equity using a second mortgage.

When homeowners need to borrow significant funds for big expenses, they often turn to second mortgages. However, they may not realize that there are two major types of second mortgages: HELOCs and home equity loans (sometimes identified as HELOANs).

While both essentially operate on the same idea of borrowing against your home’s value, they function differently and serve distinct financial needs.

Learn how HELOCs and home equity loans can work for you by shooting me a message, giving me a call, or checking out compmort.com/blog,

https://myoc.io/chadappleton

09/25/2026

Ever heard of a 2-1 buydown? A 2-1 buydown is a temporary mortgage rate subsidy where the homebuyer’s interest rate is reduced for the first two years of the loan—typically funded via a concession paid upfront by the seller or builder into an escrow account.

Homebuyers are you tired of hearing "marry the house, date the rate" without seeing actual numbers? 📉🏠 Here is how a 2-1 Buydown cuts your mortgage payment for the first 2 years—without relying on price drops.

💡 How It Works
A 2-1 buydown temporarily lowers your interest rate for the first two years of your loan:
-Year 1: Your rate is 2% LOWER than your final note rate.
-Year 2: Your rate is 1% LOWER than your final note rate.
-Years 3–30: Your rate returns to the fixed note rate.

Sellers and agents has a house been sitting and you're thinking about dropping your list price by $15,000 to get an offer? Don't do it yet. ✋🏠

Price cuts often get ignored in today’s market because buyers aren't struggling with the purchase price—they're struggling with the monthly payment. Here is a smarter strategy that saves your equity while making your home significantly more appealing than competing listings.

💡 The Strategy: Offer a Seller-Funded 2-1 Buydown
Instead of reducing your list price by $15,000, offer a $9,000 seller credit toward a 2-1 rate buydown for the buyer.

Here is why that works better for everyone:
-Lower Payment for the Buyer: A $15k price cut on a $400k home only drops a buyer's monthly payment by about $95/month.
-Huge Savings with a Buydown: That same seller credit drops their payment by ~$500/month in Year 1 and ~$250/month in Year 2.

Give me a shout and we can run real numbers and come up with a strategic plan to help you reach your goals!

https://myoc.io/chadappleton

09/23/2026

A big thank you to Nick and Yvonne for trusting me to be a part of the homebuying journey!

Please reach out if I can help you get started.

https://myoc.io/chadappleton

09/21/2026

🎉Just Closed🎊

There is absolutely nothing better, than helping a family with their next life journey.

If you are interested in purchasing your first home, second home, invest property, or downsizing for the next phase of life, I’d be honored to connect to learn about you, your goals, and help build a strategy TOGETHER to make your dreams a reality 🏠🔑✨

Give me a call anytime!

09/18/2026

Nothing better than being trusted to go alongside a family in their next BIG life journey! Honored I got to be a small part of it ❤️

Please reach out if I can help you get started on your next big journey!

https://myoc.io/chadappleton

Address

720 Cool Springs Boulevard, Suite 110
Franklin, TN
37067

Telephone

(615) 288-5189

Website

http://apply.compmort.com/

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