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Morristown Mortgage Broker and Lending Company

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

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

Moving To Morristown?

Are you considering moving to Morristown? As of 2020, the city of Morristown boasts a population of 30,193. Citizens of Morristown TN enjoy an average income of $19,482 with an average home price of $115,900

Real Estate Companies In Morristown TN

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

  • Elite Realty Group
  • CENTURY 21 Masengill-McCrary Realtors
  • Crye-Leike Lakeway Realtors

Morristown Bank VS The Wendy Thompson Team

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

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

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

Best Mortgage In Morristown TN

Best Mortgage Broker Morristown TN

Your dream home is not a one-size-fits-all solution, and neither is refinancing. A refinance or a mortgage refinance should suit your specific situation, and not despite it. As a brokerage firm, we help you choose the best home loan for you.

In fact, we guide you through the process of choosing a home loan that is aligned with your needs and financial situation. Over the years, we have built strong connections to be able to accommodate first time home buyers, second time homeowners, refinances, home equity loans, HELOCs and many other situations. Our aim is to provide the residents of Morristown TN with an easier and straightforward mortgage loan process.

For too long, home loans have been a burden for many home buyers – the main obstacle preventing you from achieving your ultimate goal of home ownership. The big banks are hesitant and sometimes treat their customers with suspicion.  Smaller lenders simply don’t have all the home loan options to meet the complex needs of all home buyers.

Fortunately, our brokerage firm has built strong networks with both the big banks and smaller lenders in order to help you find the right mortgage loan for your specific needs. Read on to learn more about your home loan options!

Mortgage Lenders Morristown

The odds that your current situation and the market conditions are the same as when you secured your first mortgage loan are almost (if not) 0. By refinancing your home mortgage, you’re acknowledging that the market conditions are different than when you initially secured a home loan, and that your current situation might be different as well. Get a lower interest rate and revise your monthly payments with a refinance mortgage loan.

Homeownership has a huge impact in building strong and stable communities like Morristown TN. That’s why the government offers different forms of financial support to its citizens looking to buy homes, including FHA loans and VA loans.

As a brokerage firm, we believe the refinance mortgage process doesn’t have to be complicated. You deserve an easy and straightforward approach from a licensed mortgage professional that will listen to your needs and guide you through every step of the process.

Here are some of the home loan options available to you:

FHA Loans

FHA (Federal Housing Administration) loans are designed for first time home buyers and low to moderate income borrowers to afford a home with a low down payment and less stringent credit history requirements. Since FHA loans are guaranteed by the government, they are often available to homebuyers who are not eligible for conventional mortgages.

VA Loan

A VA loan is a type of mortgage loan that is designed for veterans, active duty service members and eligible military spouses. In most cases, qualifying borrowers are not required to pay a down payment. Moreover, unlike the FHA loan Tennessee option, potential home buyers will not be required to have private mortgage insurance.

Jumbo Loans

For people with big dreams of owning big homes, jumbo loans have some great home loan terms. Similar to a “traditional” mortgage but with some major differences, a jumbo loan is your best bet to finance your castle in a higher-priced location.

Using a jumbo loan, home buyers in Morristown TN can borrow much more than they could with a traditional VA or FHA loan.  That way, they have a chance to buy a home that they normally would not afford.

Home Equity Loan

Home equity loans are a form of second mortgage that uses your property’s worth or home’s equity as security and allows you to borrow against it. These loans differ from conventional loans by taking out the home loan after you have built up equity in your home, while conventional home loans are used to buy the home.

Fixed Rate Loan Vs Adjustable Rate Mortgage (ARM)

With a fixed rate mortgage, the home buyer is protected from rapid and potentially large increases in payments if the interest rate goes up.

On the other hand, an adjustable rate mortgage has a changing interest rate over the duration of the loan. The advantage of choosing an adjustable-rate mortgage is that you may enjoy lower monthly payments at first.

Compare Morristown Mortgage Rates

Not all mortgage lenders provide all types of home refinance loans, so you will have to find banks or lenders in Morristown TN that offer the loan option that suits your needs best.  Mortgage loans are complicated and comparing rates from multiple lenders can save you a great deal of money, so make sure to shop around.

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We are #1 Rated mortgage lender in Morristown

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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Morristown 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 Morristown TN

Morristown TN

Our team of mortgage experts is here and ready to help you get better terms.  We will work with you to determine the best mortgage for your unique needs, so that you can get into your new home quickly and smoothly. We are also happy to answer any questions you may have in mind about the Morristown TN mortgage lending process. Contact us today to speak to one of your mortgage experts.