Mortgage articles for Middle Tennessee agents and buyers
Short, plain-English guides for real estate agents and home buyers in Nashville, Franklin, Brentwood, and Williamson County. New articles are added often.
Need Help With Closing Costs? Can You Ask the Seller to Pay Some of Them?
Closing costs higher than you planned? Here is how asking the seller for help works, the limits by loan type, and how to ask so the deal stays on track.
Read the article →Think Your Home's Tax Value Is Too High? How Do You Appeal in Davidson or Williamson County?
Your tax bill looks too high? Here is when and how to appeal your home's value in Davidson and Williamson counties, and how it affects your escrow.
Read the article →Want to Buy Your Next Home Before You Sell? What Are Your Options?
Found your next home but still live in this one? Here are five ways to handle buying before you sell, and what to weigh with each.
Read the article →Want a Lower Payment at First? Is an Interest-Only Mortgage Right for You?
A lower payment for the first few years sounds great. Here is how an interest-only mortgage works, who it fits, and how to plan for the bigger payment later.
Read the article →Need Cash From Your Home? Is a HELOC or a Fixed Second Mortgage the Better Fit?
Want cash from your home without touching your first mortgage? Here is how a HELOC and a fixed second mortgage differ, and how to pick the one that fits.
Read the article →Living Overseas? Can You Buy a Home in Middle Tennessee With a Foreign National Loan?
Buyers who live in another country can still buy in Middle Tennessee. Here is how foreign national loans work, what papers to gather, and how to plan your timing.
Read the article →Paid on a 1099? Can You Still Get a Mortgage in Nashville?
Nurses, session players, and contractors paid on a 1099 can buy homes too. Here is how lenders count that pay and what papers to have ready.
Read the article →Self-Employed? Can a Profit and Loss Statement Take the Place of Your Tax Returns?
Big write-offs can make a business owner look small on paper. Here is how some loans use a P&L instead, and what the CPA or tax preparer signs.
Read the article →Selling Your Home? Can You Use a HELOC to Buy the Next One?
A HELOC can help a listing client buy before they sell. Here is why timing matters, how the new loan is judged, and what risks to talk through.
Read the article →Writing a Strong Offer for a VA Buyer in Williamson County
VA buyers can win in a busy market. Here is how to write a clean offer, explain the escape clause, and clear up common VA appraisal myths.
Read the article →Showing Homes Over the Jumbo Line in Brentwood and Franklin: What Agents Should Know
High-price homes often need a jumbo loan, and those loans play by their own rules. Here is what to know about reserves, appraisals, and timing before you show.
Read the article →Self-Employed Buyer? 7 Questions Agents Should Ask Before the First Showing
Business owners can be great buyers, but their loans take more work. Ask these seven questions before the first showing to avoid surprises later.
Read the article →Your Buyer Got a “No” From the Bank. Is a Non-QM Loan the Next Step?
Some strong buyers do not fit a standard loan. Here is what non-QM means, who it helps around Nashville, and how agents can keep the deal on track.
Read the article →New articles are on the way. Check back soon.
Disclaimer: These articles are for general education only. They are not a commitment to lend, a loan approval, or an offer of credit. All loans are subject to credit approval, underwriting, and property review, and not all applicants will qualify. Programs, terms, and guidelines vary by lender and can change without notice. No specific interest rate or payment is promised or implied. Heathrow Mortgage, Company NMLS #1849599. Equal Housing Opportunity. For licensing information, visit www.nmlsconsumeraccess.org.