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Hendersonville Mortgage Broker and Lending Company

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

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

Moving To Hendersonville?

Are you considering moving to Hendersonville? As of 2020, the city of Hendersonville boasts a population of 58,113. Citizens of Hendersonville TN enjoy an average income of $38,779 with an average home price of $266,100

Real Estate Companies In Hendersonville TN

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

  • Coldwell Banker Lakeside REALTORS
  • Benchmark Realty LLC
  • Keller Williams Realty Hendersonville

Hendersonville Bank VS The Wendy Thompson Team

Whether you are looking to refinance your home in Hendersonville 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 Hendersonville TN and ask them for a Hendersonville mortgage. 

After all, they are Hendersonville 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 Hendersonville 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 Hendersonville 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 Hendersonville 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 Hendersonville 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 Hendersonville 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 Hendersonville bank and speak to someone about it. 

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

Best Mortgage In Hendersonville TN

Best Mortgage Broker Hendersonville TN

It is true that most Tennessee mortgage brokers understand the mortgage loan process and how to get to the closing table. However, what you need is a licensed mortgage broker in Hendersonville TN who pays attention to your needs, and who can guide you on the journey to your new home.  Our professional mortgage loan consultants appreciate the value of customized mortgaged services and advice depending on your specific financial situation.

As we work together through the mortgage process, you’ll know why every need and financial situation is unique.  Our specialized mortgage experts will evaluate whether a FHA, VA, or any other mortgage loan solution is right for you.

Just like properties, mortgage loans come in different shapes and sizes. Our brokerage firm can help you find the right option for you whether you are a first time home buyer, looking to renovate or ready to refinance. We are ready to answer any questions you have and keep you in the know along the process.

Refinance

Mortgage refinancing allows you to replace your home mortgage loan with a new one, typically with improved rates and terms.

Homeowners in Hendersonville TN consider mortgage refinance for various reasons, including (but not limited to) the following:

  • To take advantage of lower interest rates
  • To get into more reliable and predictable monthly payments
  • To get money to renovate their home, or to cater for larger expenses that come up unexpectedly

While these are some of the most important reasons people consider a mortgage refinance, the list is not exhaustive. Everyone’s situation is unique and requires a very different approach.  Homeowners should do enough research and understand all the options available before agreeing to any kind of mortgage refinance offer. Many greedy Tennessee mortgage lenders will try to rip you off if you allow them. Be sure to work with a trusted mortgage broker in Hendersonville TN who can help you find the right mortgage home loan for your needs.

Mortgage Lenders Hendersonville Refinance Options

FHA Mortgage

Ready to purchase your first home? Having a limited income or short of cash for a down payment? A government-backed FHA loan might be what you need.

FHA home loans normally help first time homebuyers and other people with financial constraints to purchase a home. Some of the benefits include a low down payment, flexible credit and income requirements, and low closing costs.

VA home loans are a great option for veterans and active duty personnel.  Our company appreciates the value of a “home base” for the members of the military and their loved ones and takes pride in helping both retired and active military officers use this program to achieve their home ownership goals.

Jumbo /Non-Conforming Loans

A jumbo loan is called a nonconforming loan since it is for an amount that’s higher than the conforming caps set by Fannie Mae and Freddie Mac. Jumbo loans enable borrowers to buy large homes whose prices are higher than the conforming loan limits.

Home Equity Loans

Home equity loans enable you to get a mortgage against your home’s equity or value. They can give you access to huge amounts of money than many other types of home loans since you are using your home as collateral.

The HELOC (Home Equity Line of Credit) is a more flexible option since it gives you a lot more control over your loan balance as well as your interest costs.  As such, you save money by paying interest only on the exact amount you draw at any time.

Fixed Rate vs Adjustable Rate Mortgages

With a fixed rate loan, the interest rate does not adjust over the term of the loan. You can choose either a conventional loan, or a government-insured loan like the FHA or VA loan. You can also use the loan to purchase a new house or to refinance your existing home.

The stability of a fixed rate loan works well for settled homeowners who prefer predictable monthly payments. However, an adjustable rate mortgage could also be a good option if you intend to move in the near future. The main advantages of an ARM loan include:

  • Low initial interest rate
  • Low initial monthly payment
  • Ability to afford a bigger house
  • You may even pay much less in the end (based on the market conditions)

Compare Hendersonville Mortgage Rates

Finding the right mortgage loan can save you a lot of money in the long run. Shop around and compare rates to find the best deal. Remember different mortgage lenders offer different loan options and the fee structures can vary widely.

 


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We are #1 Rated mortgage lender in Hendersonville

We are the highest rated because we give you:

  • The RATE you expect from a bank

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  • The SERVICE you can only get locally

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Hendersonville 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 Hendersonville TN

Hendersonville TN

For the best mortgage rates in Hendersonville TN, give us a call today. We can help you compare your offers from multiple lenders so you can find the right mortgage for your financial situation. Let’s show you how easy getting a Hendersonville Mortgage, home loan in  can be.