Let's Talk Money. I Promise It Won't Be Boring.
Nobody grows up dreaming about mortgage paperwork. I get it. But here’s the thing. Getting your financing right is what actually gets you the house. And this is where having me in your corner gets really interesting.
Most people don’t know that I’m not just their real estate agent. I’m also a licensed mortgage lender through Secure Choice Lending (NMLS #2265501), serving buyers across Tennessee and Nebraska. That means the same person who helps you find the house can also help you pay for it. No getting bounced between phone calls. No “well my agent said one thing and my lender said another.” Just one person who knows your whole picture from day one.
Now, using me as your lender is completely your call. Some clients bring their own financing and that works just fine. Others like having everything under one roof. Either way, I’m here to help you get to closing. And if you already have a lender but just want a second set of eyes on the numbers, I’m happy to do that too. No strings attached, just making sure you’re getting a fair deal.
Here's What I Can Help You With:
Conventional purchase loans for buyers across Tennessee and Nebraska
FHA loans for buyers putting less down
VA loans for our veterans and active duty military
USDA rural development loans for buyers in Fayette County, West Tennessee, and rural Nebraska
First-time buyer programs including THDA in Tennessee and NIFA in Nebraska
Construction and barndominium loans for buyers who want to build it their way
Refinances when the timing actually makes sense
Not Quite Ready Yet? That's Okay Too.
Credit needs some work. Savings not quite there. Still paying down debt. Tell me where you are and I’ll tell you exactly what it takes to get where you want to be. I’ve helped plenty of people across Tennessee and Nebraska go from “not yet” to “let’s go” and I’ll do the same for you. No judgment here. We all start somewhere.
Your preapproval is free. It costs you nothing but it changes everything about how you shop and how sellers see you.
Let’s figure out your numbers together.
Frequently Asked Questions
What is the difference between prequalification and preapproval?
Prequalification is a quick estimate based on information you provide. Preapproval is a verified review of your finances and it carries real weight with sellers. In competitive markets across Tennessee and Nebraska, preapproval is what gets your offer taken seriously.
Can you really be both my real estate agent and my mortgage lender?
Yes. I hold both licenses and I’m transparent about that relationship upfront. You are never required to use me as your lender to work with me as your agent. But for buyers who want one person coordinating both sides, that option is there.
Do you offer USDA loans for rural properties in Tennessee and Nebraska?
Yes. USDA rural development loans are a great fit for many buyers looking at properties in Fayette County, West Tennessee, and rural Nebraska. These loans often require no down payment and are specifically designed for buyers purchasing outside major urban areas.
Can I get a construction loan for a barndominium in Tennessee or Nebraska?
Yes. Barndominium and new construction financing is something I specifically help buyers navigate. These loans work differently from a standard purchase loan and having a lender who understands the rural build process makes a big difference.
What first-time buyer programs are available?
In Tennessee, THDA offers down payment assistance and low-interest loan programs for first-time buyers. In Nebraska, NIFA provides similar programs. Eligibility depends on income, location, and purchase price. I’ll tell you exactly what you qualify for.