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Ask Joan Mortgage Loans
First-time home-buyers
Repeat buyers
Refinancing
Down payment assistance

A non-occupant co-borrower is someone, often a parent, who joins your loan application to help you qualify without actua...
10/16/2026

A non-occupant co-borrower is someone, often a parent, who joins your loan application to help you qualify without actually living in the home themselves. Their income and credit get factored into the approval, even though their name goes on the paperwork and nowhere near the moving boxes.

This option exists for exactly the situation where a buyer's income is close but not quite enough on its own. It's not the right fit for everyone, but it's opened the door for plenty of first-time buyers who needed one more piece to make the numbers work. Ask me at AskJoan.net whether it fits your situation.

10/15/2026

I’ve helped clients who thought homeownership was impossible and then watched them get the keys to their very own place. 🔑

I am more than honored that my Nashville community has trusted me to get the job done! Don’t count yourself out.

There’s a path for you, and I’d love to help you find it. Find me at AskJoan.net.

Asking a seller to cover part of your closing costs sounds like a big favor, but it's a normal part of negotiation, espe...
10/14/2026

Asking a seller to cover part of your closing costs sounds like a big favor, but it's a normal part of negotiation, especially in a market where homes are sitting a little longer. The seller isn't handing you cash directly, they're crediting a portion of what you owe at closing. 🤝

Each loan program caps how much a seller can contribute, so the number that applies to you depends on what you're financing and how much you're putting down. Head over to AskJoan.net, and I will tell you exactly what your cap looks like.

Nashville's housing market shifts gears the moment the calendar turns, even if the weather takes another few weeks to ca...
10/13/2026

Nashville's housing market shifts gears the moment the calendar turns, even if the weather takes another few weeks to catch up. Listings that sat untouched in July start getting fresh eyes, and sellers who held out for peak summer pricing get more realistic about where the market actually stands. 🍂

If you've been circling the idea of buying without taking the first real step, this stretch of the calendar tends to reward the people who move. Take the first step at AskJoan.net.

A VA loan remains one of the most powerful benefits available to anyone who has served, and it's also one of the most mi...
10/12/2026

A VA loan remains one of the most powerful benefits available to anyone who has served, and it's also one of the most misunderstood. No down payment requirement, no monthly mortgage insurance, and qualification guidelines built around the reality of military life rather than a rigid civilian checklist. There's a one-time funding fee due at closing instead, and it's waived entirely for exempt borrowers.

Earning this benefit doesn't automatically mean you know everything it actually covers, and that gap is worth closing before you assume a VA loan works like every other loan. 🎖️ Connect with me at AskJoan.net, and I'll walk you through what your service has already earned you.

Most mortgages get sold to another company within weeks of closing, which is exactly why underwriting on those loans fol...
10/09/2026

Most mortgages get sold to another company within weeks of closing, which is exactly why underwriting on those loans follows such a strict, standardized formula. đź“„

A portfolio loan works differently because the original lender keeps it for the life of the loan, which means someone is actually reviewing your full financial picture instead of running it through a standard checklist. 🏡🔍

👉 Learn more at AskJoan.net about whether it could work for you. 💻

HomeLoans

Closing timelines stretch every year once the holidays hit, not because anyone is slower, just because everyone's calend...
09/30/2026

Closing timelines stretch every year once the holidays hit, not because anyone is slower, just because everyone's calendar fills up at the same time. Title companies and appraisers get harder to schedule the closer you get to November.

Starting the process now protects your timeline before the season gets crowded. Let's map out your closing date at AskJoan.net

09/29/2026

The legal age to buy a home is eighteen, not twenty-five, not thirty, and not whatever number got stuck in your head somewhere along the way. If you have a steady job and credit that's starting to build, the door is open earlier than most people assume.

Age was never really the obstacle. Being prepared is what actually matters. Get in touch with me at AskJoan.net and let's see where you stand.

Building a custom home comes with a long list of decisions, and financing should not be the most complicated one. Citize...
09/28/2026

Building a custom home comes with a long list of decisions, and financing should not be the most complicated one. Citizens Bank offers a construction loan program built to carry you from groundbreaking through move-in day, then convert directly into your permanent mortgage.

This is the loan structure made for a project like that. Learn more about the program at AskJoan.net.

09/27/2026

Homeownership is my favorite topic, so I was grateful to talk about it on the Behind the Curtain podcast.

When I was asked, “Why Citizens?” my answer was simple: Citizens gave me the opportunity to create, not just originate loans.

From day one, my goal has been to create mortgage programs that give more people in our community a fair opportunity to become homeowners—and the support to stay homeowners.

That opportunity has allowed us to build programs that expand access to affordable, sustainable homeownership. We’ve opened doors, and there are more doors to open. 🏡

Address

1917 Heiman Street
Nashville, TN
37208

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18555704040

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