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Johnson City Mortgage Broker and Lending Company

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

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

Moving To Johnson City?

Are you considering moving to Johnson City? As of 2020, the city of Johnson City boasts a population of 66,906. Citizens of Johnson City enjoy an average income of $30,939 with an average home price of $30,939

Real Estate Companies In Johnson City TN

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

  • Hurd Realty, LLC
  • Tri-Cities Realty
  • Realty Executives

Johnson City Bank VS The Wendy Thompson Team

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

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

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

Best Mortgage In Johnson City TN

Best Mortgage Broker Johnson City TN

Johnson City TN is one of the best places to live in the state of Tennessee since residents can enjoy a blend of city and country life. It has a low crime rate, top-performing schools, and plenty of recreation places for children and families.

Due to the competitive nature of the local real estate industry, it can be difficult to choose the right home loan and lender for your needs when you’re in the market for a new home purchase or a mortgage refinance. With so many home loan options and programs available today, it is extremely important to work with a professional mortgage broker who can help you get the best deal possible on your home mortgage loan.

Here at our brokerage firm, we have important connections in the local real estate industry, which allow us to help you find a good deal on your mortgage loan. We will work with you by evaluating your needs and providing you with bespoke mortgage loan solutions to suit your financial situation. We make the process of getting a mortgage loan easy and stress-free by providing you with the best tools that allow you to make the right financial decisions.

Johnson City Mortgage Refinance

Refinancing your home means you are replacing your existing home loan with a new one with the aim of eliminating premium and reducing payments.

Homeowners in Johnson City TN stand to benefit from mortgage refinance in a number of ways, which may include:

  • Lower interest rates
  • Stable and predictable payments
  • More money to renovate your home or to pay for bigger projects

Mortgage Lenders Johnson City

It is important to know the options available to you because not every mortgage option is created the same. Mortgage lenders offer a variety of home loan options to suit various needs, considering the fact that every homeowner is unique.

FHA Mortgage

Is your credit history less than stellar?  Is your home equity or down payment less than 20 percent?  Do you already have a Federal Housing Administration (FHA) loan and wish to save with a simple refinance? Then, a FHA mortgage loan could be a great option for you.

First time homebuyers can easily qualify for a FHA loan because of low down payments and less stringent qualification requirements.

VA Home Loan

Are you a member of the military, veteran or a surviving spouse of a service member? If so, you may want to look into obtaining a VA home loan.

For eligible home buyers, VA loans are quite easy to apply and qualify for, since no down payment is required, and credit rating does not apply.

Jumbo /Non-Conforming Loans

A jumbo loan is often referred to as a non-conforming loan because it is an amount that is a dollar more than the conforming limits set by Freddie Mac and Fannie Mae.   This type of loan allows potential homeowners to purchase big properties whose value is higher than the conventional loan limits.

Home Equity Loans

If your house is worth more than your loan, then you have built up home equity. Now, you can use that home equity to obtain a lower loan rate. A mortgage broker can guide you on how to convert your home’s equity into a better loan with a lower rate and better terms. You can use your home equity loan to finance different projects – whether it’s home renovation, financing a child’s education or even going for a dream vacation.

Johnson City Mortgage Rates

Fixed Rate Mortgage vs Adjustable Rate Mortgage

When looking for competitive mortgage rates in Johnson City TN, you can choose either a fixed-rate mortgage or an adjustable rate mortgage. A fixed rate mortgage provides the advantage of reliable and predictable monthly payments.

With an adjustable rate mortgage (ARM), payments tend to change over the duration of the loan.

Why You Should Compare Mortgage Rates

If you are looking to purchase a home in Johnson City TN, you have most likely noticed that mortgage rates can change on a day-to-day basis. Therefore, it is important to compare current mortgage rates from different lenders in order to find a good deal.

The mortgage rates that are quoted by lenders are determined by a number of factors, some of which relate to you while others are related to business and economic variables. Since different mortgage lenders can use these variables in different ways, it is best to get quotes from two to three lenders. That way, you have a better chance of finding the best offer for you. To get your home loan search started on the right footing, we recommend working with a mortgage broker. With their connections and advice, you are better placed to find the right deal for you.


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We are #1 Rated mortgage lender in Johnson City

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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Johnson City 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 Johnson City TN

Johnson City TN

Learn more about Johnson City TN mortgages and contact our Mortgage Team Today.