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Franklin Mortgage Broker and Lending Company

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

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

Moving To Franklin?

Are you considering moving to Franklin? As of 2020, the city of Franklin boasts a population of 83,097. Citizens of Franklin TN enjoy an average income of $48,318 with an average home price of $412,400

Real Estate Companies In Franklin TN

If you are considering moving to Franklin, you may want to speak with one of the locally licensed and experienced real estate agencies in Franklin. Some of the better known real estate agents in Franklin are: 

  • Franklin Realtors, Inc.
  • Pilkerton Realtors
  • Parks Realty at Franklin

Franklin Bank VS The Wendy Thompson Team

Whether you are looking to refinance your home in Franklin TN or buy a new one, getting the lowest interest mortgage possible should be your goal. 

Look, just like you, I like to use my local bank for checking, savings, a safety deposit box, CD’s and for doing my daily business needs. 

It is really easy for you to walk into your bank in Franklin TN and ask them for a Franklin mortgage. 

After all, they are Franklin mortgage broker and lending company. 

BUT, according to the New York Times, getting a home mortgage from your local bank can cost you more money over the life of the loan because they cannot shop around for different rates.  

Considering this, the lending company in Franklin TN knows that a large percentage of the US will simply ‘trust’ their local bank to give them the ‘best’ rates since they have been such a good customer. 

Unfortunately, your mortgage lender in Franklin probably is unable to shop around and get you the best rates because they only have one option, themselves. 

The Wendy Thompson Team as a local mortgage broker in Franklin TN, they are able to offer you mortgage options from several lenders and find you the best rates based on your situation. 

Your lending company in Franklin TN won’t be able to do that, and in a lot of cases choosing your local bank could cost you quite a bit more. 

Another reason people choose to get a Franklin home mortgage from your local bank is that they mistakenly believe they will be able to service the mortgage at the local bank. 

In most cases, if you receive a Fannie Mae or Freddie Mac backed mortgage, the lender will sell that mortgage to be serviced by someone else. 

This means that if you have a problem with your loan, you will not be able to go into your Franklin bank and speak to someone about it. 

It is free to get a quote from The Wendy Thompson Team and compare them to any Franklin mortgage. 

Best Mortgage In Franklin TN

Best Mortgage Broker Franklin TN

In addition to finding an appropriate home mortgage, our team of mortgage advisors in Franklin TN provides quality products, exceptional service and reliable advice on Tennessee mortgage rates.

We appreciate the fact that cutting a few basis points can eventually add up and bring huge perks considering that the loan is on a large scale and the duration to pay it back is long. That’s why we want every monthly payment you make to remind you of the great decision you made in trusting in us. Our brokerage firm is full of passionate mortgage professionals with the expertise and experience needed to help you find the right home mortgage financing in Franklin TN.

Refinance Mortgage Lenders Franklin

Mortgage refinancing refers to the process of replacing your existing home mortgage or mortgages with a new mortgage, usually with better terms and rates than the original one. Mortgage refinancing can offer new cash to the borrower who can use it to pay off the existing first mortgage, normally with better terms.

Homeowners in Franklin TN choose to refinance their homes loans for different reasons. Here are some important benefits of refinancing:

  • Secure a lower mortgage rate and ultimately reduce your overall interest costs
  • Shift from an adjustable rate mortgage (ARM) to a more secure, fixed rate mortgage
  • Consolidate your original and second home loans into a home mortgage with a reduced interest rate
  • Get money for your needs and wants.

Franklin TN Mortgage Refinance Options

Not sure where to get started? Simply give us a call for more information.

Refinancing Franklin TN loans and mortgages is where our team of experts can help you weigh up your options. We can also help you determine if it’s time for you to refinance your mortgage!

Read on to learn more about the mortgage refinance options available to you.

FHA Mortgage

The government-back FHA loans might be the best mortgage option for first-time home buyers. This loan offering allows for lenient credit requirements, low down payment and reduced closing costs.

On the other hand, the VA loan option is designed to help veterans and service members to achieve their goal of home ownership.

If you qualify for either FHA or VA loan, you can secure financing for a new home with little to no down payment. Since both types of loans are backed by the government, most lenders are now willing to work with borrowers with less-than-stellar credit scores.

Jumbo /Non-Conforming Loans

Jumbo loans are non-conforming loans that are a dollar more than the limits set for conforming and super-conforming loans. Here, non-conforming loans are loans that do not adhere to Fannie Mae and Freddie Mac guidelines. These types of loans are usually used to buy large estates and mansions.

Due to the large amounts of money involved, it may take quite a lot of time to find a reliable lender, so it’s strongly recommended to work with your Franklin TN mortgage broker. Our trusted mortgage consultants are here and ready to help you get a good idea of the payment and answer any questions you may have.

Home Equity Loans

Over time, lots of Franklin TN homeowners have seen a substantial increase in their Tennessee home’s equity. That home equity can be exploited in several ways, including taking out a home equity loan. Such loans can be used to pay off a car loan, pay off credit card debt or even fund a child’s college education.

Fixed Rate/Adjustable Rate Mortgages

Fixed rate mortgages are very common in Franklin, TN. The interest rate and the monthly payment remain the same for the whole duration of the loan. This means fixed rate mortgages are the most predictable and reliable for mortgages.

Adjustable rate mortgages feature a fixed rate for a given period of time and then the rate changes each year after that.  There are normally limits every year and limits on how much the rate can fluctuate over the entire period. Your monthly payment should be lower at the start but can increase as the rates go up.

Compare Mortgage Rates in Franklin, TN

A refinance refers to the process of replacing your existing mortgage loan with a new loan, which has immense benefits to a homeowner.

Generally, mortgage brokers offer a wide range of refinance options, including FHA, VA, Jumbo, HELOCs and many more. There are actually many types of loans that can be tailored to suit your exact needs. A certified mortgage broker will work with you and various banks in order to get you the right option for your situation.

By working alongside a mortgage broker, you will find the entire refinance process easy and convenient. With a professional on your side, you’ll receive helpful guidance to help you understand the entire process.

Normally, individuals refinance their loan in order to reduce their rate of interest, lower their monthly payments, or to change their mortgage program from a variable rate mortgage to a fixed rate mortgage. Moreover, some homeowners require money in order to pay off existing debts or finance home improvement projects and will consider leveraging their home equity to get a cash-out refinance. A mortgage broker can help you choose the right financing option for your needs.

Franklin Mortgage Rates

Different lenders offer different interest rates. Moreover, mortgages will differ in their terms and conditions. If you seriously want to get the best mortgage product and rate for you, it’s important to compare different options, and your best bet is to speak to a mortgage broker.

Whether you’re a first-time home buyer or seeking to refinance your next mortgage, we have the right mortgage solution to fit your exact situation – and the experience needed to help you every step of the way.

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We are #1 Rated mortgage lender in Franklin

We are the highest rated because we give you:

  • The RATE you expect from a bank

  • TECHNOLOGY you want from an online lender

  • The SERVICE you can only get locally

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Franklin 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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Buying a Home Has NEVER Been Easier!

Here’s our Simple, 3-Step Process for Getting a Mortgage

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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 Franklin TN

Franklin TN

No matter your financial situation, our brokers can help you every step of the way. Our Team works hard to get you the best Franklin TN Mortgages at the best rate. We will work with you to help you achieve your goals. Contact us today to speak with a licensed mortgage broker near you.