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RL Hesson, local mortgage broker helping Franklin and 615 area buyers with clear mortgage strategy
RL Hesson, mortgage broker serving Middle Tennessee

615Loan: Local Home Loans in the 615

Fast, strategic mortgage approvals for 615 buyers who want certainty—not surprises. Powered by Hesson Loans.

Saw 615Loan around town? You’re in the right place. 615Loan is the local identity of Hesson Loans, an independent mortgage brokerage based in Franklin, Tennessee, serving buyers throughout the 615 area.

Start My Pre-Approval

Call or Text Me Directly

(615) 516-3176

Why 615LOAN?

Why buyers choose 615Loan

Direct access to your broker. Clear, strategic advice. Fast execution — especially when timelines are tight, offers are competitive, or income isn’t straightforward. 615Loan exists for buyers who want speed without sacrificing strategy.

Local

Based in Franklin, TN. I know how offers actually win here—not just how loans look on paper.

Independent

As an independent mortgage broker, I can compare programs and pricing from multiple wholesale lenders instead of being limited to one bank’s products.

Fast

Clear answers and decisive execution—so deals move forward instead of stalling at the worst moment.

Hesson Loans mortgage brokerage serving homebuyers and investors in Franklin Tennessee

WHO I HELP

For 615 Buyers Who Need Strategy, Clarity, and Speed

Today’s market isn’t just about rates – it’s about structure, execution, and guidance tailored to each buyer’s situation and goals.

Couple reviewing home purchase documents and mortgage options with a laptop, working with a local Franklin Tennessee mortgage broker for a confident pre-approval

Purchase Buyers Who Need Certainty

First-time or move-up/down buyers who want clear answers, clean pre-approvals, and a lender who stays involved all the way to closing. Especially in competitive markets.

Homebuyers reviewing mortgage numbers on a laptop, planning a fast and strategic pre-approval with a Middle Tennessee mortgage broker in a competitive market

Buyers Who Value Speed & Strategy

Clients who care about timing, strategy, and communication — and want direct access to the broker making the decisions, not a handoff to a processing queue.

Self-employed homebuyer reviewing income and mortgage documents at a desk, planning a loan strategy with a Franklin Tennessee mortgage broker

Complex or Non-Traditional Borrowers

Business owners, commission earners, and borrowers with layered income who need smart structuring — not guesswork or last-minute denials from a call-center lender.

Our Process

Strategy, Structure & Execution – From Offer To Closing

These are the loan programs I most often use to win offers and close on time in Franklin and the surrounding 615 market.

Step 1 – Strategy Call

Clarify goals, timing, financing, and competitive realities – so offers are strategic, not rushed.

Step 2 – Pre-Approvals That Hold Up Under Scrutiny

Not just a letter – a tactical advantage.

Step 3 – Structure & Pricing

Model options, payment structures, loan programs, and trade-offs.

Step 4 – Execution

Offer-to-close coordination with agents, lenders, and title – proactively, not reactively.

Step 5 – Closing & Beyond

Smooth finish + future strategy as markets shift and your life evolves.

WHAT WE OFFER

Loan Programs for Every Buyer Scenario

From first-time buyers to investors and complex income, we structure financing around goals – not just guidelines.

Conventional Loans

Best For: Strong credit, standard income, and competitive offers.

Advantage: Competitive rates, flexible terms, and clear financing options for qualified mortgage borrowers.

Jumbo Loans

Best For: Higher-priced homes or high-net-worth buyers.

Advantage: Customized underwriting, asset review, and financing options for higher-value properties.

FHA Loans

Best For: Buyers with limited down payment or credit history.

Advantage: Low down payment options and more flexible qualification than many conventional programs.

VA Loans

Best For: Eligible veterans, active duty, and military families.

Advantage: Eligible borrowers may qualify with no down payment and no monthly mortgage insurance.

Non-QM Loans

Best For: Self-employed, variable income, or complex financials.

Advantage: Flexible underwriting options for self-employed borrowers and complex income situations.

DSCR/Investor Loans

Best For: Rental properties, multi-family, or portfolio growth.

Advantage: Qualification focuses on property cash flow, while credit, assets, and reserves matter.

What Our Clients Say

Verified Google reviews from homebuyers, homeowners, and real estate professionals across Middle Tennessee.

 
 
 
 
 
 
 
 Posted on Google Google 
 
 
 Houston A 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We had an outstanding experience working with RL Hesson on our home loan. He was incredibly responsive throughout the entire process and always took the time to answer our questions thoroughly. His attention to detail and level of service were exceptional. Our situation was a little more complicated because we needed to navigate a home-sale contingency. RL was extremely helpful in walking us through the different options and making sure we understood the pros and cons of each. When the sellers countered with an offer to cover three months of bridge-loan costs, RL went above and beyond to help us evaluate that option versus other alternatives so we could make the best decision for our family. I’ve worked with loan officers before, but I’ve never experienced this level of service. Working with RL honestly felt like having a concierge-level loan officer. RL is someone who was available, stayed on top of every detail, and genuinely cared about getting us through the process successfully. On top of all of that, he was able to secure us a great rate, which made an already excellent experience even better. I would highly recommend RL Hesson to anyone buying or refinancing a home. We couldn’t have asked for a better experience.
  
 
 
 
 
 
 Posted on Google Google 
 
 
 Susan B 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
What an amazing experience it was working with RL! He really went above and beyond, even working late into the night on day 1, to push us toward approval as fast as possible. He was always quick to respond to all of our emails and texts, and always kept us updated throughout the whole process. We are definitely recommending him to everyone we know!
  
 
 
 
 
 
 Posted on Google Google 
 
 
 Connor S 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I can’t express enough how grateful we are for RL. After a difficult experience with another lender, he stepped in seamlessly, got us up to speed, and walked us through every option with patience and clarity. He is incredibly kind, thorough, and knowledgeable—but what truly set him apart was his communication. It was consistently clear, timely, and reliable, which made the entire process feel manageable and far less stressful. We always felt informed and supported. I would highly recommend RL to anyone looking for a dependable and professional mortgage broker.

Get a Clear Mortgage Strategy — Fast.

No pressure. Clear answers. A mortgage strategy built around how you actually buy.

Start My Pre-Approval

Takes about 5 minutes to get started.

Call or Text Me Directly

(615) 516-3176