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Collierville Mortgage Broker and Lending Company

Are you looking for a Collierville TN Mortgage Broker? Are you considering to renew or refinancing your house? Our Lending Company in Collierville TN can help you make the right decisions about your future.

We take pride in helping our clients find the best mortgages in Collierville TN and make your dreams come true with a little cash in their hands.

Best Mortgage Broker Collierville TN

If you’re a homebuyer planning to live, raise a family and /or even retire, Collierville, TN is truly a great place to consider buying or refinancing a home.

Our mortgage brokers are experienced in providing clients with quality services and personalized help during their search for the best mortgage rates.

Whether you’re a first time home buyer, looking to buy your dream home, consolidating debt or refinancing an existing loan, our highly specialized team of mortgage brokers are here and ready to help make your dreams a reality.

Mortgage Lenders Collierville

Refinance

Looking to refinance your Collierville TN mortgage? Refinancing your Collierville, TN home loan could offer a number of benefits:

Secure a low fixed rate: if the interest rates have dropped since you acquired your existing loan, you could now take advantage of a low fixed-rate mortgage. Working with a trusted Collierville, TN mortgage broker can help you shift from your adjustable rate mortgage to a fixed-rate mortgage.  Contact a licensed mortgage lender today and find out if it’s time to lock in your rate.

Enjoy Lower interest rate: by refinancing your mortgage today, you can qualify for a much lower interest rate. With a lower interest rate on your Collierville mortgage refinance loan, you can save thousands of dollars every year and even get an opportunity to pay off your home loan faster.

Reduce the length of your mortgage: no matter the length of your outstanding home loan, a significant reduction in rates can allow you to refinance into a shorter home loan term without necessarily increasing your monthly payments.

You can find several types of home loans for home buyers in Collierville, TN. Each mortgage loan solution has different conditions the home buyer or borrower must fulfill.  Fortunately, you don’t have to learn all the details. Our team of experienced mortgage brokers will evaluate your specific needs and find the right mortgage solution for your situation.

Here are some of the loan products that you might work out for your situation:

FHA Mortgage

Since the government covers Federal Housing administration (FHA) loans, they might be the only mortgage solution for first time homebuyers.  This mortgage option allows for simply credit qualifications, low down payment and low closing costs.

On the other hand, the VA plan helps veterans, service members and qualifying surviving spouses to realize their dream of home ownership. The VA offers a mortgage guaranty perk and other home-related benefits to help eligible borrowers build, buy, retain, adapt or repair a house.

If you’re eligible for a FHA or VA loan, you can realize your dream of home ownership with a small down-payment or even no down payment at all. Since both the FHA and VA loans are insured by the government, lenders are more lenient towards the borrower’s credit history.

Jumbo /Non-Conforming Loans

It might sound too obvious, but a jumbo is simply a loan that is larger than the standard. Any loan amount that is larger than the Freddie Mac or Fannie Mae’s limit for the region where the home is situated is basically a jumbo (there’s no actual limit on how large a jumbo should be though). These loans are normally used to purchase mansions and large estates, but they can be more difficult to obtain than they are to repay.

It may take a lot of time to find a good lender, so it is best to work with a trusted mortgage broker.

Home Equity Loans

Over time, a lot of Collierville homeowners are able to build up considerable equity in their Tennessee homes. That value or equity can be utilized in a number of ways. One of the ways is taking out a home equity loan. Many homeowners take advantage of their home’s equity to pay off credit card debt, repay an auto loan or even finance a child’s education.

Fixed rate/Adjustable rate mortgages

With a fixed-rate mortgage, the set interest rate does not change or fluctuate based on market rates. With an ARM (adjustable rate mortgage), however, the interest rate may increase or decrease. Many adjustable rate mortgages will start at a much lower rate than the fixed rate mortgages. Once the initial period is over, the interest rate will go up or down, but your payment amount will most likely increase. Our mortgage consultants will work with you to find the best solution that you save you the most money over the term of your loan.

Collierville Mortgage Rates

Mortgage Rates in Collierville TN often change daily. Therefore, you should take time to compare rates before making your final decision. If you are looking to purchase a new house or refinance your existing Collierville home loan, make sure you research and compare rates. Even a slight change in the mortgage rates can have a significant effect on the total cost of your loan in the long run.


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Collierville Mortgage Lending

If you’re here, you’re in the market for a mortgage loan. Maybe you’re buying a home, maybe you’re refinancing. But the real qustion is… what’s your next step?

We’re here to help you figure that out. We want you to understand your options and pick the right loan, because what you qualify for and what you’re comfortable with are 2 different things! You can start the process online with our pre-qualification tool, or call us. A 15 minute phone call will answer a lot of your questions and set you on the right path.

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About Wendy Thompson

Wendy has been in the mortgage business since 2001 and is nationally ranked as a top producer. Her professionalism and integrity are widely known through the many clients and realtors she has worked with over the years. She works diligently to get through the sometimes nerve racking process and is hands on every step of the way. Wendy’s expert understanding of the mortgage market combined with her “big picture view” of what each client’s needs and goals are, make her one of the most sought after in her field. She is known for taking the time to explain the mortgage process and go through various options that saves her clients time and money. She actively watches mortgage markets to assist her clients in knowing the best time to lock in an interest rate.

Wendy & her team are easily accessible and allow their clients to complete the process faster and with excellent communication at all stages.

Most people still prefer to do business with someone they can meet with face to face. While she may initially talk on the phone or email back and forth, she intends to follow these business traditions so that the customer feels comfortable and familiar with her during the loan process.

On a More Personal Note:

Wendy has been married to Beau for over 18 years and has a 15 year old son named Tate. They are the proud owners of Tucker, a Yellow Lab. She is somewhat of a Netflix addict and loves learning new things. She is a huge animal lover and never passes up an opportunity to help someone or something in need.

“Providing the Extraordinary Mortgage Experience”- The Wendy Thompson Lending Team

The Wendy Thompson Mortgage Brokers Collierville TN

Collierville TN

Working with an experienced Collierville TN mortgage broker is your best bet to finding the right mortgage option for you. So don’t hesitate to contact our team of mortgage experts.