Recent Articles

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Mortgage Rates Aren’t Just About the Fed — Here’s What You Really Need to Know

Mortgage rates held steady this week—but not for the reasons you think. Here’s why working with a loan officer beats doing your own research when timing the market.

Published on 06/20/2025

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The Real Estate Rule That Just Got Repealed—And Why It’s a Big Win for Buyers

The National Association of Realtors repealed a rule that kept some listings hidden—thanks in part to pressure from homebuyers, tech platforms, and even the DOJ. Learn how this boosts your home search.

Published on 06/13/2025

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Zero Down, Big Dreams: How USDA Loans Can Open the Door to Homeownership in Rural Tennessee

If you’ve been stuck renting, saving every spare dollar, and wondering how anyone actually comes up with a down payment these days—you’re not alone. And here’s some good news: you may not need one at all. Enter the USDA Rural Development Loan a powerful, zero-down home financing option that’s helping thousands of Tennesseans like you buy their first home without draining their savings. Let’s break it down: how it works, who it’s for, and why your dream home might be sitting just outside the city limits.

Published on 06/12/2025

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Unlock Your Dream Home in Middle Tennessee: The Unbeatable Advantages of FHA Loans for First-Time Homebuyers

The dream of homeownership in Middle Tennessee has never been more attainable, thanks to the remarkable opportunities presented by Federal Housing Administration(FHA) loans. Whether you're eyeing a charming bungalow in East Nashville, a spacious family home in Smyrna, or a modern condo in downtown Nashville's Music Row, FHA loans are revolutionizing how Middle Tennesseans approach homebuying  especially for first-time buyers who thought homeownership was beyond their reach.

Published on 06/04/2025

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Why Now Might Be the Best Time in Years to Buy a Home (Seriously)

The housing market is shifting—and it's shifting in your favor. Learn why rising inventory, slower sales, and increased negotiating power mean buyers have the upper hand. Don’t miss your window.

Published on 06/04/2025

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What Credit Score Do You Need to Buy a House in Tennessee? A Guide for First-Time Buyers

Thinking about buying a home in Tennessee but worried your credit score isn't good enough? You're not alone and here's the good news: You don't need a perfect credit score to become a homeowner. Whether you're looking to buy in Smyrna, Murfreesboro, or anywhere in Middle Tennessee, understanding how your credit impacts your home loan options is key. Let's break it down together!

Published on 05/28/2025

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The Secret Every Successful Home Seller Knows (But Most Miss)

Discover the simple but powerful secret that helps homeowners sell faster and for top dollar in today's real estate market. Hint: It’s not just about price.

Published on 05/28/2025

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April 2025 Housing Market Update: A Shift That Favors Buyers

Home prices are cooling, inventory is rising, and buyers are gaining leverage. See what the April 2025 housing market update means for you.

Published on 05/23/2025

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“No Money Down? No Problem: 10 Down Payment Assistance Programs Helping Tennessee Buyers Get the Keys”

If you’ve been dreaming about owning a home in Middle Tennessee but feel stuck on the down payment, you’re not alone—and you’re not out of options. The idea that you need 20% down to buy a home is one of the biggest myths in real estate. Truth is, there are powerful down payment assistance (DPA) programs that can get you in the door with as little as $0 out of pocket. I work with multiple programs—some offering forgivable grants, others providing second loans with no payments, and some that even cover a chunk of your closing costs. And the best part? These programs aren’t just for first-time buyers. Many are open to repeat buyers, renters, and even folks with less-than-perfect credit. So if money's the only thing standing between you and a set of house keys, keep reading.

Published on 05/15/2025

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Want to Buy a Home in Middle Tennessee? Here’s Why Mortgage Pre-Approval Is Your First Power Move

If you're house hunting in Middle Tennessee without a mortgage pre-approval, you're showing up to a gunfight with a butter knife. Homes are flying off the market. Multiple offers are the norm, not the exception. Sellers have options, and if you’re not ready to move fast, you’re going to get left behind. Pre-approval is the first real step in your home buying journey and the smartest move you can make to get ahead.

Published on 05/08/2025

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Mortgage Rates Just Dropped—Here’s Why the Fed Had Nothing to Do With It

Mortgage rates dipped slightly to 6.86% as bond markets stabilized. Learn how rates are tied to investor expectations—and why lenders adjust pricing ahead of market changes.

Published on 05/07/2025

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Unlock Real Estate Wealth with DSCR Loans: The Ultimate Guide for Investors

Want to build a real estate empire without tax returns or job history? Here’s how the pros do it. If your rental income can cover the mortgage, you can qualify—no W-2s, no pay stubs, no nonsense. DSCR loans (Debt Service Coverage Ratio loans) are the #1 financing tool for real estate investors who want to scale fast without traditional income verification. As a mortgage broker with access to wholesale rates and flexible investor programs, I’m here to walk you through how DSCR loans work, how to qualify, and how you can use them to explode your portfolio.

Published on 05/06/2025

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March 2025 Housing Market Update: 5 Key Takeaways for Homebuyers and Sellers

March 2025 housing data shows rising inventory, slowing price growth, and a shift in buyer behavior. Learn what this means for buyers and sellers heading into spring.

Published on 04/30/2025

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Why the Housing Market Isn't Crashing in 2025

Discover why the housing market isn’t crashing in 2025—and why now might still be a smart time to buy. Learn about market stability, lending trends, and how equity protects today’s homeowners.

Published on 04/23/2025

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How Are Property Taxes Calculated? Here’s What Homebuyers Should Know

Learn how property taxes are calculated, what factors impact them (like land value and zoning potential), and how to budget smart as a homebuyer in 2025.

Published on 04/16/2025

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Southern Housing Markets Offer New Opportunities for Homebuyers

Explore how southern U.S. cities like Miami and Memphis are becoming more accessible to homebuyers due to increased inventories and price reductions.?

Published on 04/09/2025

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Townhomes: A Smart Solution for Today's First-Time Homebuyers

Discover why townhomes are becoming a popular choice for first-time homebuyers, offering affordability, low maintenance, and community amenities in today's housing market.

Published on 04/02/2025

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Your Ultimate Guide to Buying a Home in Middle Tennessee: First-Time Buyer Edition

Why Now is the Best Time to Buy a Home in Middle Tennessee

Published on 04/01/2025

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How to Buy a House with No Money Down in Tennessee

Buying a home with little to no money down may seem impossible, but there are mortgage programs available in Tennessee that make it achievable. Whether you're a first-time homebuyer or an investor looking to purchase a property with minimal upfront costs, this guide will break down the best options available to you.

Published on 03/26/2025

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Why Waiting to Buy a Home Could Cost You

Waiting to buy a home in today’s market could cost you more in the long run. Learn why acting now—despite mortgage rates—might be the smartest move for future homeowners.

Published on 03/26/2025