The Burks Lending Group at NEXA Mortgage LLC - Frank Burks II NMLS #841644

08/17/2026

You may be closer to buying a home than your bank account is telling you. 👀🏠

If the down payment is the only thing keeping you from making a move, pause before spending another year trying to save every dollar yourself.

Qualified Tennessee buyers may have access to:

✅ Forgivable down payment assistance
✅ True grant programs
✅ Help with closing costs and prepaid expenses
✅ FHA options with no first-time buyer requirement
✅ USDA or VA financing with zero down

On a $250,000 home, some programs could provide thousands of dollars in assistance, depending on eligibility and program terms.

I broke down the programs, credit-score requirements and buyer qualifications in my 2026 Tennessee Down Payment Assistance Guide.

Read it here: https://www.theburkslendinggroup.com/blog/tennessee-down-payment-assistance-2026

Don’t disqualify yourself before we talk. Your situation deserves a real review, not a wild guess from an online calculator.

📲 Message me or call (615) 364-5700.

Frank Burks II
Certified Mortgage Advisor | NMLS #841644
The Burks Lending Group

** 5 DPA programs for Tennessee homebuyers. Forgivable grants, $0 down options, and FHA/USDA/Conventional combos. Frank Burks II, Certified Mortgage Advisor, NMLS #841644.

04/27/2026

"Build it. Rent it. Never show a pay stub.

The construction loan investors didn't think existed."

Let me paint you a picture.

You find the lot. You've got the vision.

You want to build a rental property...single family, up to 4 units, even a short-term rental.

But here's where most investors get stuck:

Traditional construction loans want tax returns, W2s, income documentation.

If your money runs through a business, your write-offs work against you.

Not with this program.

We have a One-Time Close DSCR Construction-to-Perm loan.

The first of its kind.

And it qualifies you based on the future rents the property will generate — not your personal income.

Here's what that looks like:

🏗 Loan amounts up to $3M
🏗 680 FICO minimum
🏗 Up to 75% LTV
🏗 One closing covers construction AND permanent financing
🏗 Short-term rentals allowed
🏗 No income docs required

One closing. No W2. Qualify on the rent the property will generate.

If you're an investor who builds... this changes the game!

DM me BUILD or drop a comment below and let's talk numbers.

04/25/2026

"What if your lender paid part of your closing costs?

At The Burks Lending Group... We Do!"

Closing costs catch a lot of buyers off guard.

You saved for the down payment. You found the house.

And then someone hands you a number for closing costs and the whole thing starts to feel impossible.

Here's what most buyers don't know:

Your lender can offer credits toward those costs. And that's exactly what we do.

At The Burks Lending Group, qualified buyers receive:

🔑 A 1% lender credit toward closing costs

🔑 An appraisal credit... your appraisal fee covered

Both credits are automatically applied when your loan locks.

No coupon.
No separate application.
No chasing anybody down.

They show up clean on your Closing Disclosure at the closing table.

That's real money back in your pocket on one of the biggest days of your life.

Middle Tennessee buyers... Nashville, Murfreesboro, Smyrna, Lebanon, La Vergne this is available right now.

Comment CREDIT below or DM me and let's talk about what you qualify for.

04/23/2026

$108,000…

That’s what renting at $1,800/month quietly costs you in 5 years.

Gone.

No equity.
No ownership.
No return.

Now flip the script…

That same 5-year window as a homeowner?
You could be sitting on $50,000+ in equity — and that’s before appreciation even enters the conversation.

This isn’t about hype.
This is about understanding the game you’re playing.

Because right now, a lot of people aren’t choosing to rent…
they’re just defaulting into it without ever seeing the numbers.

And that’s where money gets lost.

Not everyone should buy.

But if you could be building wealth and don’t even know it…
that’s a problem worth solving.

📲 Call, text, or DM me “PLAN”
I’ll break down YOUR numbers — not a guess, not a generic calculator — your real path side-by-side.

Let’s see what your next 5 years actually look like.

04/22/2026

"The two-closing construction loan is old news.

Here's why smart buyers are choosing one closing instead."

If you've looked into building a home before, somebody probably told you about the two-step process.

Step one — get a construction loan to fund the build.

Step two — once the home is complete, refinance into a permanent mortgage.

Two closings. Two appraisals. Two sets of closing costs.

And the risk of not qualifying for the permanent loan by the time the build is done because rates or your financial situation may have changed.

There's a better way.

A One-Time Close Conventional Construction loan wraps both phases into a single closing.

Your rate locks before the first nail goes in. Interest-only payments during construction.

Permanent loan kicks in automatically 30 days after conversion no second closing required.

The program:

✅ Single closing — construction and permanent together
✅ Rate locked at closing — no refinance risk
✅ 700 FICO minimum
✅ 10% minimum down payment
✅ Up to conforming and high-balance loan limits
✅ 12, 15, or 18 month construction terms
✅ Primary or second home
✅ Gift funds permitted toward down payment

If you want to build your own home this is available right now through The Burks Lending Group.

Give us a shout at 615.768.9424 to explore your options!

Let's talk about turning that vision into a real address!

Have a blessed day!

04/21/2026

"Mortgage News Daily: 6.30% today.

Our rate: 5.75% (6.252% APR).

On a $400K loan that's $142 a month you're leaving on the table."

Let me show you exactly what that means in real dollars.

Mortgage News Daily is quoting the national average at 6.30% on a 30-year fixed today.

Our wholesale rate at The Burks Lending Group?

5.75% with a 6.252% APR. Plus a $486 lender credit at closing!

Here's the math on a $400,000 loan:

National average payment: $2,476/mo

Our payment: $2,334/mo

Monthly savings: $142/mo

Annual savings: $1,699/yr

Over 5 years: $8,496

Life of loan: $50,976

Plus a $486 lender credit automatically applied at closing.

This is what being a wholesale broker means. No retail markup.

The savings go directly to you — not to a branch network.

Middle Tennessee buyers DM me RATE or comment below.

Let me show you what your actual payment looks like today.



APR includes fees and points. Rates subject to change without notice. Not all borrowers will qualify. This is not a commitment to lend.

Frank Burks NMLS #841644. NEXA Mortgage LLC NMLS #1660690. Equal Housing Lender.

04/17/2026

A lot of people don't know this loan exists.

If you pay taxes but don't have a Social Security number, you may have been told homeownership wasn't an option for you.

That's not true.

There's a loan program built specifically for people who file taxes with an Individual Taxpayer Identification Number (ITIN). It's not a workaround. It's a real mortgage with real terms, real interest rates, and a real set of keys at the end.

Here's what matters:
✅ You can buy a primary home, a second home, or even an investment property
✅ Credit scores starting at 660
✅ Multiple ways to document your income — bank statements, 1099s, P&L, and more
✅ Gift funds are allowed for your down payment and closing costs

The dream doesn't care about your documentation status. Neither do I.

If you or someone you know has an ITIN and wants to buy a home in Middle Tennessee, let's talk. Drop a comment, send me a DM, or give me a call.

Everybody deserves a key. 🏡

Frank Burks | The Burks Lending Group
NMLS #841644 | 615-364-5700

04/04/2026

Hey Middle Tennessee! 👋🏾

If you've been sitting on the fence about buying a home...this weekend might be the one that changes everything.

We just dropped our Homes of the Week and there is an existing home on the list that is clean, move-in ready, and priced to move.

We're talking modern finishes, private outdoor space, and a layout that just makes sense for everyday living.

Here's the part that really matters though; between the seller credits already on the table AND our 1% lender credit plus appraisal credit up to $650 provided at closing, you could be walking into this home with serious money saved before you even unpack a box.

Payments starting as low as $2,381/mo. with zero down. Yes, zero!

If you've been telling yourself "I'm not ready" I want you to click that link and just look. Because ready starts with information, and the information is right there waiting on you.

👇 Check out this week's featured homes right here:
🔗 go.theburkslendinggroup.com/homes-of-the-week

📲 Let's Chat: 📞 (615) 768-9424

Frank Burks | The Burks Lending Group | NMLS #841644 | Equal Housing Lender | "Clear To Close Starts Here"

03/31/2026

Something big starts next Monday!

30 days. 30 lessons.

Everything you need to know about buying a home in Middle Tennessee and I'm giving it away for free.

I've been doing this for 25 years. I've seen buyers win and I've seen buyers lose.

The difference almost always comes down to one thing: KNOWLEDGE

Starting Monday April 6th, I'm posting every single day.

Mortgage basics.
The buying process.
Credit and down payments.
Real stories from real buyers.

Follow so you don't miss Day 1.

DM me the word KEY right now and I'll send you the full series lineup.

Everybody Deserves a Key. 🗝️

03/24/2026

📊 Your rental property's cash flow IS your qualification.

No W-2. No tax returns. No DTI. No problem.

If you've been told you can't finance your next investment property because of your income docs — you've been talking to the wrong lender.

DSCR loans qualify based on ONE thing: does the property's rental income cover the mortgage payment?

That's it. No pay stubs. No employment verification. No tax return gymnastics.

Here's what we're working with:

✅ Up to 85% LTV on purchases
✅ Loans up to $3,500,000
✅ Min FICO 620 on select programs
✅ DSCR as low as 0.75
✅ LLC and entity vesting allowed
✅ Short-term rental income accepted
✅ 30 and 40-year terms with interest-only options
✅ Zero income documentation required

And here's the one nobody talks about:

⚡ NO SEASONING ON CASH-OUT REFINANCE.

Buy a property. Force the value up. Pull your equity out immediately. Rinse and repeat.

That's how portfolios get built fast.

Drop "DSCR" in the comments or send me a DM — I'll run your numbers and tell you exactly where you stand.

🔗 Program Info:

Stop letting W-2 requirements and tax return headaches kill your next investment. DSCR loans qualify on the property's income — not yours. No DTI. No employment verification. No limits on your portfolio.