Modern-Mortgage

11/02/2026

Zillow is a day late and a dollar short on down payment assistance. 👀

Middle Tennessee buyers, we already have 14 programs at Modern Mortgage that can cover your down payment. Most offer eligible buyers up to 5% in assistance. Zillow’s new FHA program offers up to 3.5% and requires you to repay the assistance if you refinance before year five.

Some of our programs let you refinance sooner and offer forgiveness after just three years. Those details matter when it’s your money and your next move.

DM me “DOWN PAYMENT” and I’ll show you how much help you qualify for and what happens if you refinance later. 🤍

11/02/2026

It was a soggy Sunday in Nashville, but we still had a blast tailgating with Realty of America! We cheered on the Titans, ate some delicious wings, and loved getting to spend time together. 🏈💙

Thank you, Realty of America TN for inviting Modern Mortgage to be part of the fun. Titan Up!

10/29/2026

Turned down for a mortgage because of your credit score? Let’s take another look! 🏡✨

We’re now using VantageScore® 4.0 on eligible loans, which may give some buyers a higher qualifying score—and new possibilities for homeownership!

You may also qualify for a better interest rate and lower monthly payment. Curious? Call us or send me a DM! 📲

10/26/2026

Pumpkin heads don’t scare me. These homebuying moves do. 🎃👻

🏡 Falling in love with a home before getting pre-approved.
👻 Ghosting me when we need documents.
🚗 Financing a new car before closing.
🫣 Buying without a mortgage plan.

My job is to help you feel confident about your monthly payment, understand your cash to close, and avoid surprises along the way.

Before you shop, swipe, or sign… let’s talk! 🤍

DM me “PLAN” and let’s talk. No tricks - just clear guidance from application to closing.

10/23/2026

Call or text us for your weekend pre-approval! ☎️615.236.6054

10/15/2026

In the six years my family & I called Spring Hill/Thompson’s Station home, I’ve watched Grecian Family Restaurant and Bakery give so generously to this community. They continually show up for others, serving far more than meals - they share kindness, compassion, and a heart for their neighbors. ❤️

This Thanksgiving, Grecian is once again spreading that love by offering a FREE traditional Thanksgiving Day meal to first responders, families who could use a helping hand, and elderly neighbors who may be homebound.

Our community has abundantly supported & blessed our business has this year, and we’re honored to play a small part in supporting Grecian’s generosity.

If you know someone who could benefit, please share! Thank you, Grecian, for continuing to care so well for the community we all love. 🦃🧡

This Thanksgiving, no one in our community should eat alone. 🧡

Grecian Family Restaurant and Bakery is hosting a FREE Thanksgiving Day meal — a traditional dinner for anyone who needs one that day: first responders, folks working, the less fortunate, the sick, those who can’t drive or cook, our elderly, or anyone alone.

Dine in, carryout, or delivery — 2003 Wall Street, Spring Hill.

We need your help to make it happen:
🙋 Volunteers — come lend a hand that day
https://www.signupgenius.com/go/30E0944ABAE23A1FC1-grecians

🥧 Food donations — every little counts
https://www.signupgenius.com/go/30E0944ABAE23A1FC1-thanksgiving

🚗 Need a meal delivered? Sign up and we’ll bring Thanksgiving to your door

https://www.signupgenius.com/go/30E0944ABAE23A1FC1-51278205-thanksgiving

A huge thank you to our partners who make this possible — The Well Outreach
and
Modern-Mortgage— and to every volunteer, every donor, and every delivery driver giving their time that day. This is what community looks like.

For questions, you can call at 615-302-4808,
Or send us an email
[email protected]
Or stop by, 2003 Wall Street Spring Hill TN

Nobody eats alone on our watch

10/10/2026

09/25/2026

When the tax return didn’t tell the full story… 🏡🤍

A sweet mom of three and farm owner came to us ready for her next chapter. She was selling her current home and needed a property with room for her family AND her farm.

She had savings and money for a down payment, but without traditional employment income, her tax returns didn’t show the full picture of what she could afford.

We found a solution through an asset-based mortgage, using her eligible savings and proceeds from the sale of her home to calculate qualifying monthly income.

The result? A beautiful new place for her family to call home - with room for the farm, too! 🌾

Your financial story is bigger than a tax return. Sometimes, finding the right home starts with finding a lender who knows how to look at the whole picture.

Wondering what your options could look like? Let’s talk!

09/23/2026

🚨 BIG CHANGE COMING TO MORTGAGE CREDIT SCORES! 🚨

Beginning January 1, 2027, FHA will allow two newer credit-scoring models - FICO® 10T and VantageScore® 4.0 - for eligible FHA loans.

Why does this matter?
These updated models can provide a more complete picture of how someone manages credit over time - including payment patterns and, in certain cases, rent-payment history.

For borrowers who previously fell just short of qualifying, this change could open the door to new possibilities. It may also create more competition and flexibility in how creditworthiness is evaluated - but results will vary by borrower and lender.

🏡 If you’ve previously been turned down for a mortgage, don’t give up on your dream of homeownership.

Contact me as we approach January 1, and let’s take a fresh look at your options. Your “not yet” could become your “now!”🎉

Modern-Mortgage

09/17/2026

🚨 MORE BUYING POWER MAY ALREADY BE AVAILABLE! 🚨

The projected 2027 conforming loan limit for a one-unit property is $847,440 - an increase of $14,690 over the current $832,750 limit.

Why does that matter for homebuyers?

Under the current limit, someone needing a loan near $840,000 could be pushed into a higher cost loan oftentimes resulting in more difficult requirements.

Exciting Part: YOU don’t have to wait until 2027 for the benefit of the loan limits increase! A few of our investors are already honoring the increased limit! That means qualified buyers may be able to:

✅ Stay within conventional financing
✅ Avoid certain jumbo loan requirements
✅ Explore higher-priced homes
✅ Have more flexibility with their down payment and cash to close

Before assuming you need a jumbo or high cost loan - or that a home is outside your price range, give Modern Mortgage a call. We’ll compare the available options and help you build the most competitive financing strategy possible! 🏡

Financing is subject to investor guidelines, borrower qualification, property eligibility and final approval.