Mortgage Pre-Approvals in Franklin, TN
A pre-approval is only as good as the file behind it. Mine is issued after the complete application is reviewed, so the letter you hand a seller is the file the underwriter will see.
✔ Complete application first, then the letter
✔ Every complete application reviewed the same day
✔ Most pre-approvals go out the same day
✔ Listing agents can call me to confirm it
Call or Text Me Directly
Independent mortgage broker in Franklin, shopping your file across more than 30 lenders.
Why mine hold up
What a Verified Pre-Approval Is, and What It Isn’t
A pre-qualification is an estimate from what you tell a lender. A pre-approval is a decision on what the lender has verified. Listing agents know the difference, and so do underwriters.
Complete file before the letter.
Credit, income and assets are reviewed before I issue it, so the seller sees the file an underwriter will see. You know what you qualify for and what it costs before you fall for a house.
The right program, shopped across more than 30 lenders.
The letter names the program that fits your file and is written to your offer price, not a ceiling, so a seller never sees more than they need to.
Listing agents can check it.
A listing agent can call or text me about your letter and hear back the same day.
Cleaner closings.
Because the file was complete before the offer, it goes to underwriting within three days of the contract, usually one to two. I have never missed a closing date.
★★★★★ “By far the best underwriting process I have been through.” Alyson M., Google review
WHO is this for?
Who This Is For
This is a strong fit if you’re actively buying, plan to purchase within the next 90 days, and want a fully verified pre-approval — not a quick estimate.
If you’re still casually exploring, a short strategy call may be a better first step.
Buyers Purchasing in the Next 90 Days
First-time or move-up buyers who want clear numbers, verified approvals, and a lender who stays involved through closing.
Buyers Competing Against Other Offers
A listing agent can call me and get an answer the same day, seven days a week. That counts when offers are compared side by side.
Self-Employed & Complex Income Borrowers
Business owners, commission earners and K-1 income: I read the returns the way an underwriter will before the letter goes out.
loan options available
Programs I Pre-Approve
The letter names the program, so here is what each one is for.
Conventional Loans
Common For: Strong credit and standard income.
Jumbo Loans
Common For: Higher-priced homes or high-net-worth buyers.
FHA Loans
Common For: Buyers with limited down payment or credit history.
VA Loans
Common For: Eligible veterans, active duty, and military families.
Non-QM Loans
Common For: Self-employed, variable or complex income.
DSCR/Investor Loans
Common For: Rental properties, multi-family, or portfolio growth.
what to expect
How It Works
Pre-approval is the first three of the five steps in my process.
Step 1 – Strategy Call
Optional: a 15-minute call, no credit pull, on which loans fit and what to send me. Ready now? Go straight to the application.
Step 2 – Pre-Approval That Holds Up
The secure application takes 10 to 15 minutes, then you upload income and asset documents. Every complete application gets a same-day review, and most pre-approvals go out the same day.
Step 3 – Offer & Loan Structuring
When you find the house, I run the numbers on it and write your letter to the offer price, updated if the price changes. Want a rough number first? Try my mortgage calculator.
Steps 4 and 5 – Execution & Closing
After the contract, your file goes to underwriting within three days, and I have never missed a closing date. See all five steps.
LOCAL ADVANTAGE
Why a Local Mortgage Broker Matters
Four things a broker based in Franklin does that a lender in another state usually doesn’t.
The Advantage of Going Local
Listing agents here know me. They can call or text me directly, and a letter from a broker they know carries more weight than one from an out-of-state call center.
New construction, priced both ways. Builders in Franklin, Spring Hill and Nolensville often offer incentives for using their lender. I price that offer against more than 30 lenders and show you which one actually costs less.
Escrow from the exact address. I figure your payment with the real county and city tax rates, not a county average, so what you qualify for doesn’t shift later.
Here in Franklin, seven days a week. You can meet me in person, and calls and texts are returned the same day, seven days a week.
Start Your Pre-Approval
The application takes 10 to 15 minutes. Every complete application is reviewed the same day.
Start My Pre-ApprovalTakes 10 to 15 minutes.