Directions Home Loan - Memphis

Directions Home Loan - Memphis One team. One mission. To simplify your mortgage experience—whether buying or refinancing. Your trusted team for mortgage solutions. Honesty. Hustle. Heart.

We specialize in helping you achieve your dreams, whether you’re buying, refinancing, or investing. Branch NMLS #2668514 | Directions Equity LLC dba Directions Home Loan NMLS #214519 | Equal Housing Lender | Contact us today at (901) 506-8367 or [email protected]. Visit us at https://directionshomeloan.com/ or search for us at NMLSConsumerAccess.org

Building wealth doesn’t usually happen overnight — it happens through consistent, long-term decisions. For many people, ...
04/07/2026

Building wealth doesn’t usually happen overnight — it happens through consistent, long-term decisions.
For many people, owning a home becomes one of the biggest contributors to their overall net worth over time.
It’s not just about having a place to live, it’s about creating equity and financial stability for the future.

🏡✨ If you’re curious what homeownership could look like for you, let’s connect and run the numbers together — I’m happy to help you explore your options.

🚨 UNDER CONTRACT OR PREAPPROVED? READ THIS 🚨One of the biggest mistakes buyers make while in the home stretch is changin...
02/16/2026

🚨 UNDER CONTRACT OR PREAPPROVED? READ THIS 🚨

One of the biggest mistakes buyers make while in the home stretch is changing their credit. Even small moves can delay or stop your closing.

If you’re planning to buy a home in the next 30–90 days, remember this:

✅ Keep making on-time payments
✅ Use credit as normal — no big changes
✅ Talk to your lender before making financial moves

🚫 Don’t open new credit cards
🚫 Don’t pay off collections without guidance
🚫 Don’t max out or close accounts

Your approval isn’t final until you CLOSE. Protect it.

If you're thinking about buying a home in Tennessee, Mississippi, Georgia, Florida, Texas, or any of the states we are licensed in, we can help you prepare the RIGHT way so nothing delays your keys.

📩 Comment READY or DM me to start your preapproval

🚨 Buying a home soon? Don’t let small money moves turn into big approval problems.No new credit. No big deposits. No new...
02/02/2026

🚨 Buying a home soon? Don’t let small money moves turn into big approval problems.

No new credit. No big deposits. No new car. No switching banks. No late payments.

One wrong step can delay your keys 🔑
Thinking about making a financial move?

Talk to US FIRST so we keep your loan clear to close 💪🏽🏡

Thinking about buying in the next 3–4 months? 🏡 Now is the time to get clear on your numbers.Brian Thomas Valorie Thomps...
01/31/2026

Thinking about buying in the next 3–4 months? 🏡 Now is the time to get clear on your numbers.

Brian Thomas Valorie Thompson Kimbrough

Before you fall in love with a house, let’s make sure the payment, loan program, and overall budget actually fit your life 💰✔️

We help buyers: ✅ Estimate real monthly payments
✅ Review loan options (FHA, VA, Conventional & more)
✅ Create a plan so there are no surprises at closing

The buyers who win in competitive markets are the ones who get pre-approved EARLY — not after they find “the one.”

📲 Comment “BUYING SOON” or message me directly and let’s map out your buying power and next steps.

Smart planning now = smooth closing later.
Let’s get you clear to close. ✨

Your credit score isn’t random — it’s built from a few key habits 📊If you’re thinking about buying a home, this matters ...
01/30/2026

Your credit score isn’t random — it’s built from a few key habits 📊

If you’re thinking about buying a home, this matters MORE than you think:

🔹 35% – Payment history
Paying on time is king 👑

🔹 30% – Amounts owed
High balances can drag scores down

🔹 15% – Length of credit history
Older accounts = stronger profile

🔹 10% – Credit mix
A variety of accounts can help

🔹 10% – New credit
Too many new applications at once can hurt

The good news? You don’t have to figure this out alone. Sometimes a few small adjustments can make a BIG difference in buying power 🏡💰

If homeownership is on your mind this year, the first step is seeing where you stand.

📲 Comment “PREAPPROVAL” or send me a message and let’s review your numbers and map out your path to getting pre-approved.

If you’re renting right now, you’re already making a mortgage payment every month… just not building your equity. 👀🏡The ...
01/29/2026

If you’re renting right now, you’re already making a mortgage payment every month… just not building your equity. 👀🏡

The next 3–6 months is the PERFECT time to get positioned: ✔️ Work on credit if needed
✔️ Build your savings strategically
✔️ Get pre-approved so you’re ready when the right home hits the market

Homeownership doesn’t start with a house — it starts with a plan. And the buyers who win are the ones who prepare early 💪🏽

If buying later this year is even on your mind, don’t wait until you see a house you love. Let’s make sure your financing is already lined up.

📲 Message me “READY IN 6” and let’s map out your step-by-step game plan to becoming a homeowner.

🏠✨

“No Down Payment Needed” Myth Buster 🇺🇸Veterans — let’s clear this up 👇🏾The VA loan is One of the only programs that sti...
01/28/2026

“No Down Payment Needed” Myth Buster 🇺🇸
Veterans — let’s clear this up 👇🏾

The VA loan is One of the only programs that still allows 100% financing with NO down payment required. 💥

That means you can keep your savings for furniture, emergencies, or that first backyard BBQ!

✅ No PMI (Private Mortgage Insurance)
✅ Flexible credit guidelines
✅ Reusable benefit for life

You served our country — now let your benefit serve you.

📩 Let’s talk about how to get your pre-approval started today!

Tired of "Zillow Fatigue?" Let us take the wheel. ⚾️🚌Finding an affordable new build shouldn't feel like a workout. On S...
01/21/2026

Tired of "Zillow Fatigue?" Let us take the wheel. ⚾️🚌

Finding an affordable new build shouldn't feel like a workout. On Saturday, February 7th, we’re hosting the Home Run Tour, and you’re invited to the VIP section.

What’s in the lineup? ✅ No driving required—sit back and tour move-in-ready layouts. ✅ Drinks and snacks provided (on us!). ✅ The "Real" Numbers—get the scoop on pricing and hidden builder incentives.

Whether you're a first-time buyer or looking to upgrade, this is the easiest way to see the best the market has to offer in just 3 hours.

📍 Where: Meeting at Sure Title 🕛 When: Feb 7th, 12 PM – 3 PM

Seats are filling up fast—don't get left in the dugout!

👇🏽 CLAIM YOUR SEAT: https://www.eventbrite.com/e/the-home-run-tour-access-2026s-most-affordable-new-builds-tickets-1978850122987?aff=oddtdtcreator

01/21/2026

Perspective shift: Your down payment is an investment, not an expense. 📉➡️📈

When you put money down on a home, you aren't paying someone else—you are paying your future self. That cash becomes instant equity and reduces the interest you pay over the life of the loan.

It’s the first step toward building true net worth.

👇🏽 Save this post for when you are ready to start planning your budget!

01/20/2026

Take a deep breath. The deal isn't dead! You actually have 3 solid options:
1) Get the seller to lower the price.
2) Cover the difference with cash.
3) Request a reconsideration if the report has errors.

Talk to your lender and agent before you walk away. There is usually a way to make it work!

👇🏽 Have you ever had to deal with a low appraisal? Tell me in the comments!

🚩 Is that interest rate real? (Probably not).Last week we talked about how listing apps get the down payment math wrong....
01/19/2026

🚩 Is that interest rate real? (Probably not).

Last week we talked about how listing apps get the down payment math wrong. But apps like Realtor(dot)com do something else that’s arguably more confusing:

🎣 They tease you with "Perfect Scenario" interest rates.

When you see that estimated monthly payment, the app is often calculating it based on a buyer with:

1️⃣ A perfect 780-800+ credit score.
2️⃣ Zero adjustments for loan type.
3️⃣ Paying "points" to buy the rate down (extra cash at closing).

📊 If your credit is "good" but not "perfect" (like most humans), or if you aren't paying thousands in extra fees to buy down the rate, that estimated payment is a lie.

It’s like looking at a sticker price for a car that doesn't include the engine.

Don't budget your life based on a teaser rate.

The Solution: I can pull a "soft pull" credit report (doesn't hurt your score) to show you exactly what YOUR rate and payment would look like on that house today.

DM me "RATE" and let’s look at real numbers.

Address

5865 Ridgeway Center Pkwy STE 300
Memphis, TN
38120

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+19015068367

Website

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