First Mortgage

10/16/2026

Your car payment is officially GONE. Now what?
That extra room in your monthly budget can feel like a pretty big win! Maybe you're ready to build your savings, tackle another debt, or finally start putting more money toward your future home.

Here's something worth thinking about: Eliminating a monthly debt doesn't just free up money. It may also change how you plan for future homeownership. When it comes to buying a home, lenders look at several factors, including your existing monthly debt obligations.

What's the FIRST thing you'd do with an extra monthly payment back in your budget?

10/14/2026

If you're a business owner, freelancer, or independent contractor, you know that your taxable income doesn't always reflect the full picture of your business finances.

The good news? Traditional mortgage financing isn't your only option.
Non-QM loan programs, including bank statement loans, may offer alternative ways to document income for qualified borrowers!

Being self-employed doesn't mean homeownership is out of reach. It may just mean exploring a different path!

💬 Curious about your options? Let's talk about what documentation programs may be available.

10/07/2026

Quick homebuyer poll 👇

🏠 TEAM STARTER HOME: I want something that fits my life and budget now. It doesn’t have to be forever.

🔑 TEAM FOREVER HOME: I’d rather focus on a home that fits where I see myself several years from now.

Both can be valid approaches. The important part is understanding what works for your goals and finances.

So…which team are you? 🏠 STARTER or 🔑 FOREVER? Leave your answer in the comments!

Call now to connect with business.

10/05/2026

Investor financing can look a little different. 🏠

With DSCR financing, qualification can focus on the investment property’s rental income and debt obligations rather than relying primarily on traditional personal income documentation.

In simple terms: the property’s cash flow matters.
For certain real estate investors, it’s another financing option worth understanding.

Know someone building a rental portfolio? Send this their way!

10/02/2026

“What’s the rate?”
It’s one of the first questions buyers ask .. and it’s an important one!

But there are a few more questions worth asking:
What would my actual monthly payment look like?
What price range am I considering?
Which loan options fit my situation?
How long do I expect to own the home?
And most importantly: does buying fit my goals right now?

Rates deserve a place in the conversation. They just don’t have to make the whole decision.

What’s the biggest question influencing your homebuying timeline right now?

10/01/2026

Big news for those who serve our Tennessee communities!
THDA has expanded its Homeownership for Heroes program, creating more opportunities for eligible professionals to take advantage of homebuying assistance through the Great Choice program.

The program includes benefits such as a reduced interest rate for eligible borrowers and access to down payment assistance options.

If you serve your community and homeownership is on your mind, our team can help you understand the program, eligibility requirements, and next steps.

Send us a message to learn more about THDA options and whether you may qualify!

09/29/2026

You weren’t planning to move. You were just casually browsing homes.

Then one listing caught your eye. Then another. And suddenly you’re checking neighborhoods, looking at kitchens, and thinking…

“Wait. Are we actually ready for something different?”

Sometimes the home search starts before you even realize you’re serious about moving.

🏡 What usually sends YOU down the home-search rabbit hole?
More space? A better location? A dream kitchen? Just being nosy? 😂

Tell us in the comments!

09/26/2026

A strong offer starts before you find the house.

Getting pre-qualified early can help you understand your financing options, set a realistic homebuying budget, and be better prepared when the right home comes along.

It also gives your real estate agent a clearer picture of what you’re working with—so when it’s time to make an offer, you’re ready for the next step.

Thinking about buying? Start with the financing conversation. Your future house can come next.

09/23/2026

The mortgage industry keeps changing—and so do the ways we can help. Today, our First Mortgage loan officers came together to learn about new products and programs designed to better serve the people we work with every day.

We’re always learning, asking questions, and making sure our team is prepared to be a knowledgeable resource from the first conversation to the closing table!

09/23/2026

🍂 Fall is officially here — and your home could use a little seasonal prep, too.

A few simple maintenance tasks now can help keep your home comfortable and cared for as cooler weather moves into Middle Tennessee.

From cleaning the gutters to checking smoke detectors, save this checklist and knock out a few items this weekend!