Win with Nathan Gort NMLS 1093321-The Lender

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Win with Nathan Gort NMLS 1093321-The Lender

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Local and Proud. Not only do we have some of the best rates and cost in town for Primary Homes and Jumbos.

We also specialize in Investment Properties, Second Homes/Vacation, and non Traditional Financing. Nathan Gort-Mortgage Loan Originator theLender (NMLS #1093321, NMLS #133519)”

10/30/2026

Want a faster mortgage approval? It starts before you ever fill out the application.

Most delays I see come from paperwork that shows up in pieces. Have these ready on day one:

1. Recent pay stubs, usually covering the last 30 days.
2. Two years of W-2s, plus tax returns if you're self-employed or earn commission.
3. Two months of bank statements, with every page included, even the blank ones.
4. A short note on anything unusual, like large deposits, a gap in work, or a recent move.

When the file is complete up front, underwriting has fewer questions and you get to the closing table sooner.

Thinking about buying this year? Let's get you organized now.

Nathan Gort · 865-258-4678 · NMLS 1093321 · [email protected]

10/29/2026

Rise and shine, investors. ☕

When you love what you do, you want to do more of it. And when you do more of it, you build something.

Whether you're working a BRRRR, adding a short-term rental, or growing a long-term rental portfolio, the right financing keeps the momentum going. At The Lender, we work with investors on DSCR loans and other options built around the property's numbers.

Got a deal on the whiteboard? Send it over and let's talk structure.

Now keep grinding. 💪

Nathan Gort · 865-258-4678 · NMLS 1093321 · [email protected]

10/29/2026

Submit the file once, not three times.

Most underwriting delays don't come from the hard stuff. They come from small gaps that send a file back for another round. A clean package up front saves everyone a week.

1. Make the 1003 match the docs. Income, employer and assets should line up before you upload.
2. Send every page of every statement, blank pages included, so nothing gets kicked back.
3. Explain the obvious up front. Large deposits, job gaps or recent inquiries get a short letter.
4. Flag anything unusual in a note. A quick heads-up keeps underwriting moving.

Brokers, that's the kind of file we love to see at The Lender, and we're happy to look at a scenario before you submit.

Nathan Gort · 865-258-4678 · NMLS 1093321 · [email protected]

10/20/2026

If I see one more post saying "Sellers, you can't sell without permits!" or "Appraisers now have to verify every permit!" I'm going to lose it.

I've seen lenders post it. Realtors. Coaches. Random people who just want the clicks. The pitch is always the same: "Rules are changing, so you need to work with someone who understands permits."

That's fear marketing.

I've started asking these people in the comments to show me the actual rule. Not one has. The answer is usually "our local Realtor association told us." With respect, your local association doesn't write Fannie Mae's guidelines.

Here's what the new Fannie Mae UAD 3.6 guidance actually says (page 96, "Additions without Permits"): if the appraiser finds an addition without the required permit, they comment on the quality and appearance of the work and whether it affects value.

That's it. Unpermitted work doesn't automatically kill the deal. The appraiser reports on it.

So don't let permit fear stop you from buying, selling, or investing. Know the actual rules, ask for the source, and work with people who can show you the guideline, not just repeat a headline.

Got a deal stuck on a permit question? Have a lender or realtor trying to scare you into using them, reach out!

10/16/2026

🦇 THE LENDER KEEPS EXPANDING. MORE ROOM TO WIN. 💪

Yes, it’s a tight market. But things are STILL going the right way for people who are willing to find the opportunities!

I see a lot of people out there say things don't exist or they can't find options, it usually means they aren't looking hard enough. Cash out refinance at 80%, easy its out there. Rural, simple, STR projections done. Why do so many people say things can't be done, when they been out there this whole time. Look harder! Still new things are coming!

Over the next two weeks, we’re rolling out some of our biggest guideline expansions of the year. And guys, these aren’t just little tweaks. These are deals you may have had to turn away last month that could be back on the table.

🔥 What’s getting bigger?

✅ More leverage on jumbo NONI loans
✅ New options for DSCR loans below 1.00
✅ A new prepayment penalty option with more flexibility
✅ Expanded 1099 eligibility for gig workers and contractors
✅ Less rent documentation on qualifying files

Every “close, but not quite” scenario deserves another look.

Jumbo investors who need more leverage? Bring them back.

DSCR files that came in under 1.00? Bring them back.

Borrowers who recently switched from W-2 to 1099? Bring them back.

The market may be tight, but we’re not sitting still.

We’re finding ways to say YES to more deals and give our brokers more room to win.

💪 theLENDER — Results Without The B.S.™

10/01/2026

Guys, I've always said it: be careful what you listen to on social media. 📱

I listen to both sides. Good or bad, I want to hear the full story. So I clicked on a video about "bank failures skyrocketing," expecting something eye-opening. Instead, it was another case of chasing views and making everyone feel like a victim when the numbers don't add up.

Let's look under the hood. 🔍

✅ Yes, six banks have failed this year.
✅ That's about 0.14% of all U.S. banks.
✅ None of them were bank runs. They failed from weak capital, bad loans, mismanagement, and in some cases compliance problems.
✅ All six combined held about $1.4 billion in assets. (Silicone Valley was 200 billion)

Now compare that to Silicon Valley Bank in 2023. That was an actual bank run, at a bank with roughly $200 billion in assets. This year's six failures combined are less than 1% of that one bank.

We are nowhere close to "skyrocketing" bank failures or bank runs. Could it happen? Sure. But crying wolf for views doesn't help anyone.

Yes, the economy is tough right now. Yes, things are hard. But always dig deeper than the headline. Do your own research and quit following the herd. 🐑

09/28/2026

One of my all-time favorite investing channels to follow has started to shift, and lately it feels like there's more fear being pushed than education.

I love this channel. I watch it all the time. But this whole "lenders are backing out" message? Just because a guru is noticing it now doesn't mean it's time to panic. We've been seeing this for the last two years.

What they're really describing is that guidelines change. We saw it with appraisals. We saw it with LTVs. That's nothing new.

And I'll just say it: nine times out of 10, when a deal falls apart, it's not the lender. It's a broker or originator who didn't fully understand the guidelines upfront, and then something came up. If you like it, you better lock it is all I am going to say!

I work in multiple roles at a wholesale lender, and here's what I'm actually seeing:

✅ Most lenders are still lending
✅ Only one company I know of has announced it's shutting down
✅ Pricing has changed, and if you didn't lock 30 or 60 days ago, your rate is higher
✅ If you didn't lock and the LTV dropped, a pricing hit came in, or a guideline changed, you're stuck

Is that frustrating? Absolutely. Is it new? No.

Having a plan B is smart. But blaming everything on rising rates and telling people lenders are backing out isn't what I'm seeing in the market. It's easy to spin fear to generate leads.

Still one of my favorite channels. I just don't buy the panic.

Work with someone who knows the guidelines before you're in contract. That's how you avoid fallout. 🤝

09/25/2026

I know I'm hard on this industry sometimes, but we need to do better.

We need fewer salespeople and more advisors.

I keep seeing posts like this: "Great closing! DSCR is the BEST loan for investors!"

Here's the thing. A bold claim like that tells me you're selling, not advising.

Don't get me wrong, I love the DSCR loan. It's a powerful tool, and I can give you every reason why. But I work almost exclusively with investors, and I can tell you it is not the best loan out there. It's not even what a lot of seasoned investors are using right now.

One scenario doesn't make a loan the best. Neither does 100 transactions if you never asked the investor the right questions.

It's easy to sell the loan everyone's talking about. It's easy to sell the one that pays you the most or closes the easiest. Advising means finding what's actually best for the investor:

✅ Better pricing
✅ Better loan-to-value
✅ Better guidelines
✅ Easier approval

Experienced investors, especially in short-term rentals, are using other business-purpose loan programs to buy right now.

If you're a mortgage broker, loan officer, or investor and want to know what they're actually using, reach out. I'm happy to share.

Advise, don't just sell. 🤝

09/24/2026

🤔 A LOT OF THINGS DON'T MAKE SENSE... UNTIL YOU KNOW YOUR BUY BOX.

Ever see a listing marketed as "exceptional" and the numbers just... don't add up?

That's the trap. Marketing language will always sound better than the math behind it.

This is exactly why you need a buy box AND a why.

Your buy box tells you:
✅ What numbers actually work for YOU
✅ What markets/property types you're targeting
✅ What returns you need to hit your goals

Your why tells you:
✅ Why you're investing in the first place
✅ What you're actually trying to build
✅ Why you'll walk away from a "deal" that doesn't fit

Bottom line: Without a buy box and a why, you'll chase every shiny listing that comes across your feed — even the ones where the math doesn't math.

Know your numbers. Know your why. Do your homework. 📊

$Two guys(brothers) grinding through two-a-days, chasing a dream only a tiny fraction of college athletes ever reach.The ...$

09/17/2026

Two guys(brothers) grinding through two-a-days, chasing a dream only a tiny fraction of college athletes ever reach.
The odds of making it to the NFL? Astronomical. Dream of marrying an amazing woman, and his brother marry Taylor Swift, very hard to do.
The odds of building real wealth through real estate? A lot better than that — if you actually start.
You don't need to be a 5-star recruit to own property. You just need a plan and someone to walk you through it.
DM me and let's talk about your first (or next) investment property. 🏠📈

Address

Knoxville, TN
37922

Telephone

+18652584678

Website

https://theconnection.thelender.com/home/nathan-gort

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