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Mortgage Services

Expert mortgage services for homebuyers & refinancers. We’re both a mortgage broker & lender, offering FHA, VA, USDA, conventional loans, and personalized support. Get pre-approved today!

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Memphis, TN skyline at sunset, highlighting mortgage services and home loan options with Wendy Thompson Lending Team.

Your Trusted Partner for Every Mortgage Need

At The Wendy Thompson Lending Team, we simplify the journey to homeownership by combining the best of both worlds: broker and lender services. With access to a range of loan products, competitive rates, and tailored support, we’re here to guide you from pre-approval to closing with efficiency and expertise.

🔑 Key Takeaways

  • Access to Multiple Lenders: Secure the best rates and terms through a network of trusted lenders.
  • Streamlined Loan Process: From pre-approval to closing, our efficient process keeps you moving forward.
  • Refinancing Options: Tailored refinance solutions, including cash-out and rate/term refinances.
  • Comprehensive Loan Products: Choose from FHA, VA, USDA, and conventional loans to fit your unique needs.

Our Core Mortgage Services

As a mortgage broker, we connect you with a wide range of loan products from multiple lenders, offering you more options and flexibility to find the perfect mortgage.

💡 Pro Tip: If you’re looking for a variety of loan options, mortgage brokers can often secure unique deals and terms you might not access directly.

🔗 Learn More About Our Mortgage Broker Services

With our in-house mortgage lending, you benefit from a smoother, faster process from application to closing, with some of the most competitive rates available.

📊 Wendy’s Insight: As both a broker and lender, we can provide in-house financing, expediting the process without limiting access to a range of competitive rates.

🔗 Learn More About Our Mortgage Lender Services

Whether you’re buying your first home, upgrading, or investing, we offer personalized mortgage solutions tailored to your specific needs.

🔑 Key Takeaway: Getting pre-approved before you start your home search strengthens your offer and enhances your buying power.

🔗 Explore Our Home Purchase Services

Unlock the potential of your home by refinancing. From cash-out refinance to rate-and-term options, we provide ways to reduce monthly payments or access your home’s equity.

🎯 Smart Move: If your home value has increased, a cash-out refinance could be ideal for consolidating debt or funding home improvements.

🔗 Discover Our Home Refinance Services

Loan Programs We Offer

FHA Loans – Perfect for first-time buyers, offering lower down payment requirements.
💡 Pro Tip: FHA loans allow down payments as low as 3.5%, ideal for those with limited savings.
🔗 Learn More About FHA Loans

VA Loans – Ideal for veterans and military families, with zero down payment and no PMI.
📊 Wendy’s Insight: VA loans generally offer rates 0.5% lower than conventional loans, making homeownership more affordable for veterans.
🔗 Explore VA Loan Options

USDA Loans – 100% financing for rural homebuyers.
🔑 Key Takeaway: USDA loans offer 100% financing for qualified rural buyers, allowing you to keep more cash on hand.
🔗 Check Your Eligibility for USDA Loans

Conventional Loans – Great for buyers with solid credit and a larger down payment.
🎯 Smart Move: With a larger down payment and strong credit, conventional loans offer lower interest rates and no upfront mortgage insurance.
🔗 Discover Conventional Loan Options

Frequently Asked Questions (FAQs)

What’s the benefit of working with both a mortgage broker and lender?

Our dual approach allows us to shop for the best rates through our network while providing in-house lending options for a faster, streamlined process.

What’s the difference between a rate-term and cash-out refinance?

Rate-term refinancing focuses on reducing your interest rate or loan term, while cash-out refinancing lets you access your home’s equity for other financial goals.

What’s involved in getting pre-approved for a mortgage?

We’ll review your financial information to determine a loan amount you’re eligible for, giving you a clearer budget for your home search.

Are there any upfront costs to refinance?

Yes, closing costs are typically involved in refinancing, but we’ll help you evaluate the potential savings to ensure it’s a financially sound choice.

Areas We Serve

– Chattanooga
– Collegedale
– East Ridge
– Hixson
– Lookout Mountain
– Ooltewah
– Red Bank
– Signal Mountain
– Soddy-Daisy
– Clarksville
– Adams
– Hopkinsville (KY) 
– Pleasant View
– Oak Grove (KY)
– Sango

– Jackson

– Alamo

– Brownsville

– Humboldt

– Medina

– Three Way

– Johnson City
– Elizabethton
– Erwin
– Gray
– Jonesborough
– Knoxville
– Alcoa
– Farragut
– Lenoir City
– Maryville
– Oak Ridge
– Powell
– Sevierville

– Memphis

– Arlington

– Atoka

– Bartlett

– Collierville

– Covington

– Germantown

– Lakeland

– Millington

– Oakland

– Piperton

– Rossville

– Somerville

– Nashville
– Brentwood
– Franklin
– Gallatin
– Hendersonville
– Lebanon
– Murfreesboro
– Mt. Juliet
– Smyrna
– Spring Hill
– La Vergne
– Nolensville
– White House
– Hernando
– Horn Lake
– Olive Branch
– Potts Camp 
– Southaven 
– Walls
– Biloxi
– D’Iberville
– Gautier
– Ocean Springs
– Vancleave
– Gulfport
– Bay St. Louis
– Long Beach
– Pass Christian
– Saucier
– Wiggins
– Hattiesburg
– Laurel
– Petal
– Sumrall
– Jackson
– Brandon
– Clinton
– Flowood
– Madison
– Pearl
– Ridgeland
– Richland
– Oxford
– Abbeville
– New Albany
– Water Valley
– Starkville
– Ackerman
– Columbus
– West Point
– Tupelo
– Fulton
– Pontotoc
– Saltillo
– Verona
– Maxwell Air Force Base – Montgomery, AL
– Redstone Arsenal – Huntsville, AL
– Little Rock Air Force Base – Jacksonville, AR
– Camp Pendleton Marine Corps Base – Oceanside, CA
– Edwards Air Force Base – Edwards, CA
– Fort Irwin – Fort Irwin, CA
– March Air Reserve Base – Riverside, CA
– Naval Air Station Lemoore – Lemoore, CA
– Naval Base San Diego – San Diego, CA
– Naval Base Coronado – Coronado, CA
– Travis Air Force Base – Fairfield, CA
– Vandenberg Space Force Base – Lompoc, CA
– Buckley Space Force Base – Aurora, CO
– Fort Carson – Colorado Springs, CO
– Peterson Space Force Base – Colorado Springs, CO
– Schriever Space Force Base – Colorado Springs, CO
– United States Air Force Academy – Colorado Springs, CO
– Eglin Air Force Base – Valparaiso, FL
– Hurlburt Field – Mary Esther, FL
– MacDill Air Force Base – Tampa, FL
– Naval Air Station Jacksonville – Jacksonville, FL
– Naval Air Station Key West – Key West, FL
– Naval Air Station Pensacola – Pensacola, FL
– Patrick Space Force Base – Cocoa Beach, FL
– Tyndall Air Force Base – Panama City, FL
– Fort Benning – Columbus, GA
– Fort Gordon – Augusta, GA
– Fort Stewart – Hinesville, GA
– Moody Air Force Base – Valdosta, GA
– Robins Air Force Base – Warner Robins, GA
– Fort Campbell – Fort Campbell, KY
– Fort Knox – Fort Knox, KY
– Louisiana
– Barksdale Air Force Base – Bossier City, LA
– Fort Polk – Leesville, LA
– Columbus Air Force Base – Columbus, MS
– Keesler Air Force Base – Biloxi, MS
– Naval Construction Battalion Center Gulfport – Gulfport, MS
– Fort Leonard Wood – Fort Leonard Wood, MO
– Whiteman Air Force Base – Knob Noster, MO
– Camp Lejeune – Jacksonville, NC
– Fort Liberty – Fayetteville, NC
– Marine Corps Air Station Cherry Point – Havelock, NC
– Marine Corps Air Station New River – Jacksonville, NC
– Seymour Johnson Air Force Base – Goldsboro, NC
– Fort Jackson – Columbia, SC
– Joint Base Charleston – Charleston, SC
– Marine Corps Air Station Beaufort – Beaufort, SC
– Arnold Air Force Base – Tullahoma, TN
– Millington Naval Air Station – Millington, TN
– Fort Eustis – Newport News, VA
– Fort Gregg-Adams – Prince George County, VA
– Joint Base Langley-Eustis – Hampton, VA
– Marine Corps Base Quantico – Quantico, VA
– Naval Air Station Oceana – Virginia Beach, VA
– Naval Station Norfolk – Norfolk, VA
– Fairchild Air Force Base – Spokane, WA
– Joint Base Lewis-McChord – Tacoma, WA
– Naval Base Kitsap – Silverdale, WA
– Naval Station Everett – Everett, WA

Home Loan Mortgage Reviews

Our Home Loan Mortgage Clients ❤️ Us

Get Started Today!

Wherever you are in your home-buying or refinancing journey, The Wendy Thompson Lending Team is here to help you find the ideal mortgage solution.

📊 Wendy’s Insight: Buyers who secure pre-approval are positioned to act quickly in competitive markets like Nashville and Memphis, improving their chances of securing the perfect home.

📞 Call Us: 901-461-8858
📧 Email: clients@thewendythompsonteam.com