About RL Hesson
A Strategy-First Approach to Mortgage Lending
Strategy-first lending means structuring the loan to strengthen your offer, reduce risk, and execute cleanly – not just get an approval.
RL Hesson, Founder & Principal Mortgage Broker | NMLS #2192188 | Hesson Loans, LLC NMLS #2696086 | Licensed in Tennessee and Florida
Why I Built Hesson Loans
Buying or refinancing a home is one of the largest financial decisions most people ever make — and too often, it’s handled with rushed advice, generic answers, or handoffs between people who don’t fully understand the full picture.
I built Hesson Loans to do it differently.
My approach is strategy-first. That means understanding your goals, timing, risk tolerance, and overall financial picture before we talk about rates or loan structures. Every decision — from pre-approval through closing — is intentional and designed to support a strong, confident outcome.
You work directly with me from start to finish. No call centers. No rotating contacts. Just clear communication, proactive problem-solving, and guidance you can actually rely on.
This isn’t about pushing loans. It’s about structuring the right solution — and executing it cleanly.
Meet RL Hesson
Founder & Principal Mortgage Broker | NMLS #2192188
I’m the founder and principal mortgage broker at Hesson Loans, an independent mortgage brokerage based in Franklin, Tennessee. I work directly with homebuyers, homeowners, and real estate investors across Tennessee and Florida, with particular experience in purchase financing, jumbo loans, self-employed and complex-income scenarios, and investment property financing.
My background in analytics, executive leadership, and mortgage lending shaped a strategy-first approach: understand the complete financial picture, identify potential issues early, compare the right structures, and execute the financing cleanly.
I’m also the author of The Mortgage Playbook: An Insider’s Guide to Smarter Home Financing Decisions, a practical guide to helping homebuyers and real estate investors understand their options, evaluate financing trade-offs, and approach mortgage decisions strategically.
From our first conversation through closing, you work directly with me—no handoffs, call centers, or rotating contacts. I review documentation early, coordinate closely with agents and underwriters, and stay ahead of issues that could disrupt the transaction. You’ll always know where things stand, what comes next, and the trade-offs behind each decision.
My goal is more than closing the loan. It’s to make the entire process clear, controlled, and well executed from start to finish. I work best with clients who value sound advice, responsive communication, and disciplined execution.
Credentials & Professional Verification
Hesson Loans provides independent mortgage guidance through a licensed brokerage, with credentials and professional profiles available for public verification.
RL Hesson
Founder & Principal Mortgage Broker
Individual NMLS #2192188
Verify RL’s NMLS Record
Hesson Loans
Independent Mortgage Brokerage
Company NMLS #2696086
Verify the Company NMLS Record
Licensed Service Areas
Serving homebuyers, homeowners, and real estate investors in Tennessee and Florida. Headquartered in Franklin, TN.
Areas of Focus
Purchase financing, conventional, jumbo, FHA, VA, self-employed and complex-income scenarios, Non-QM, and DSCR/investor financing.
Ready to Get Clear on Your Next Step?
Whether you’re early in the process or ready to move quickly, a short strategy conversation can save time, reduce stress, and prevent surprises.
Let’s talk through your situation and map out the best path forward.
Schedule a Mortgage Strategy Call
Call or Text Me Directly