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Memphis Mortgage Broker and Lending Company

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

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

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Best Mortgage Broker Memphis 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.

No matter your reason, a brokerage firm can help you every step of the way. Our mortgage company works hard to help our Nashvillle TN neighbors get mortgages that suit their needs. We will work with you to help you achieve your goals. Contact us today to speak with a licensed mortgage broker near you.

Mortgage Lenders Memphis

FHA and VA Mortgages

A popular choice for first-time homebuyers, Federal Housing Administration (FHA) loans give you an opportunity to secure funds if you have the money to pay a down payment and your credit history makes you ineligible for a conventional loan.

If you’re wondering whether a FHA loan is right for you, consider the following benefits:

  • Lower down payment required compared to other types of loans.
  • Your credit history doesn’t matter (but a higher down payment may be required).
  • For fixed rate FHA loans, the interest rate doesn’t change.
  • FHA loans are extremely easy and convenient to refinance, if need be.

VA Loans

We are also a licensed Veteran’s Administration (VA) loan broker. Many veterans and active service borrowers prefer the VA loan offering because it gives them the ability to buy a house with no down payment. It is a great perk offered only to veterans and active service borrowers. This extends the dream of home ownership to those who might be struggling with financing.

For more information about either FHA or VA loans in Nashvillle GA, contact a Mortgage expert today.

Jumbo Loans

Purchasing a home that is priced higher than the maximum amount of a conventional loan requires a jumbo loan. This type of home loan is generally similar to ordinary loan solutions, but it usually requires a large down payment. That’s why it is extremely important to work with a mortgage consultant who is dedicated to finding you the best rates in the market. And that’s exactly what we do. Whether you are looking for a variable-rate mortgage to lower your payments or the protection of a fixed rate mortgage, we can find you the right fit for your needs.

To apply for a jumbo Loan, give us a call today.

Home Equity Loans

Home Equity Loans and Home Equity Lines of Credit (HELOCs) are programs often used to finance other expenses or large purchases due to their low interest rates. Tapping into your home’s increased value or equity is regarded as a secured debt. Whether you are considering a fixed loan with a fixed rate or a variable line of credit with an adjustable rate, we have the right solution for you.

Changing From a Variable Rate Mortgage to a Fixed Rate Mortgage

If you have a variable rate loan, your payments can change either upwards or downwards depending on the change in interest rates. Shifting to a fixed rate mortgage with stable and more reliable payments can give you peace of mind knowing that your payments are reliable.

Open Vs Closed Mortgage: Which Is Better?

Open mortgage loans range from 6 to 12 months for fixed rates and 3 to 5 years for adjustable rates and you can repay the loan before maturity without incurring a penalty.

On the other hand, closed mortgages have a much lower interest rate, but borrowers enjoy limited flexibility. This means that you can pay off your entire loan before it’s due without incurring a prepayment penalty.

Nashvillle 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 homebuyer 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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IN THE BIZ

I’m a real estate pro or referral partner looking to grow my business.

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We are #1 Rated mortgage lender in Memphis

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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Memphis 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!

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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 Memphis TN

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