REAL ESTATE MORTGAGE BROKERS IN NASHVILLE, TENNESSEE
Unlock Better Rates With Music City Mortgage
Don’t make the mistake of not shopping around for the best interest rate. Don’t just go to one bank! At Music City Mortgage, we work for you to shop around 75+ different banks to find the best interest rate. Plus, we do not charge any excessive fees or points, saving you money at closing and over the life of your loan.
Let Us Do The
Heavy Lifting
Owning a home is more than just a place to live; it’s where you build memories and increase your net worth. As a family-owned and operated mortgage broker with over 25 years of experience, we’re dedicated to helping you save money on your mortgage rates. Serving both Florida and Tennessee, we leverage our flexibility as a smaller firm to find the best rates from over 75 banks and lenders.
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Why Choose
Music City Mortgage?
Personalized Service
Our friendly team prides itself on delivering unmatched customer service. Whether you need a pre-approval letter quickly or have unique financial circumstances, we’re here to help. We cater to all credit scores, income levels, and financial histories.
Aggressive Rate Shopping
We work aggressively to find the best mortgage rates for you. Unlike big-box banks, our independence allows us to search far and wide to secure the most competitive rates. We don’t charge additional fees for our services; instead, we pass the savings directly to you.
Our Process
Getting a mortgage with Music City Mortgage is simple and straightforward:
Information Gathering:
We collect your basic details, including credit range, employment information, and purchase details
Rate Shopping:
Using your information, we shop around for the best loan rates from a variety of lenders.
Additional Discounts:
Loan Selection:
Review the loan options we present and choose the one that best fits your needs and budget
Bank vs. Broker: What’s the Difference?
Banks:
Banks only offer their own products, which might come with variable rates depending on their mood that day or what your credit or financial details are.
Mortgage Brokers:
We act as intermediaries between you and lenders, shopping around to find the best possible rates, but we work for you, not a bank, so we negotiate and find you the best deal out there. Often, these rates are better than those advertised by banks. As brokers, we facilitate the entire loan process and do not add on excessive fees like more banks do.
LOAN PROGRAMS WE OFFER
Music City Mortgage offers various mortgage programs to meet your homebuying needs. We will shop the rate and costs for you at no extra charge. By working with us, you could save a significant amount of money on your mortgage. Here are some of the loan programs Music City Mortgage offers:
- Fixed Terms: Mortgage loans with an interest rate that remains the same throughout the loan’s duration.
- First-Time Homebuyer Programs: Government-backed or lender-specific initiatives designed to assist first-time homebuyers with reduced down payments and lower interest rates.
- Jumbo Mortgages: Loans exceeding the conforming loan limits set by Fannie Mae and Freddie Mac, typically used for high-priced properties
- Second Homes: Properties used as vacation homes or secondary residences.
- Home Equity Loans: Loans that use the borrower’s home equity as collateral, allowing them to borrow against the value of their home.
- VA: Government-backed loans specifically for eligible veterans, active-duty service members, and their families.
- USDA: Government-backed loans designed to encourage homeownership in rural areas.
- FHA: Government-backed loans with more flexible requirements, making homeownership accessible to a wider range of borrowers.
- Fannie Mae: A government-sponsored enterprise that buys and guarantees mortgages from lenders, increasing the availability of mortgage credit.
- Freddie Mac: Another government-sponsored enterprise with a similar role to Fannie Mae, promoting liquidity and stability in the mortgage market.
- THDA: A state agency that provides affordable housing resources and mortgage programs for Tennessee residents.
- Conventional: Mortgages not backed by the government but adhere to Fannie Mae and Freddie Mac guidelines, typically requiring higher credit scores and larger down payments.
- Ask Zero Down: Options and special programs for people who don’t show their income in a traditional manner like a tax return or W2.
- Investment Properties: Properties purchased to generate income through rent or resale.
Save Money On Your Mortgage Today
Don’t let rising interest rates or daunting paperwork stand in your way. At Music City Mortgage, we are committed to making the mortgage process smooth, transparent, and most importantly, affordable. With our 25+ years of experience and personalized service, we’re confident we can find the perfect loan program tailored to your unique needs.
Don’t go with the first bank that approves your loan; go to Music City Mortgage instead. Contact us for a free consultation and let us guide you on your path to homeownership.
