• 			    No matter what type of loan you need, we're with you every step of the way.
    No matter what type of loan you need, we're with you every step of the way.
  • 			    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
  • 			    Let us be the stepping stone to the home of your dreams.
    Let us be the stepping stone to the home of your dreams.
  • 			    REFINANCING is easy with our professionals' help.
    REFINANCING is easy with our professionals' help.
  • 			    We make Refinancing a breeze!
    We make Refinancing a breeze!

The MortgagePro Edge.

 We have the Edge over other Lenders!

   We are a Full-Service Lender with a Big Edge! What’s that Edge? We never turn down clients for loans they Qualify for! Here is a Little-Known Secret, Most Lenders in Tennessee Routinely Deny Loans to borrowers who Actually Qualify for that Loan according to the REAL Underwriting Guidelines of Fannie Mae, Freddie Mac, FHA, VA, USDA, Etc.

   Why Don’t All Lenders follow the REAL Guidelines? Simple they make more money selling Mortgages they originate with higher credit requirements. It’s Legal, Lenders can have more difficult Underwriting requirements then Required by Fannie Mae, Freddie Mac, FHA, VA, USDA, Etc.

   Do these Lenders offer more competitive rates because of their more difficult Qualification Standards? They’d like you to think so, but the answer is NO! Remember they like to make more money so they rates are second tier, Not Bad but Not Great either.

  Here is what is UNFAIR to Borrowers! The Lenders aren’t required to inform the client when the Loan is Denied based on the Lenders more difficult Underwriting Standards and that the Borrower Actually Qualify for the Loan under the REAL Underwriting guidelines.

xample FHA guidelines allow for a minimum credit score of 580 for a 96.5% loan. However they allow lenders and banks to set their own credit score requirements and additional underwriting requirements which are called Underwriting Credit Overlays. So many lenders have higher credit score requirements for FHA loans, typically a 640 score. As a consequence borrowers are denied for an FHA loan when the actually qualify under the REAL FHA Guidelines.

So, here’s our Promise at MortgagePro.

We will never make the loan process more difficult for our clients to make more money!

We will always offer our clients Top Tier Mortgage Rates!

MortgagePro underwrites to the REAl FHA guidelines without adding unnecessary overlay requirements.The same underwriting flexibility for USDA, VA loans with minimum credit scores of 580.

Home loans for poor credit borrowers  medical collections, bankruptcy or foreclosure. We can help clients straighten out past credit problems and offer solutions to help them avoid a repeat of past problems

Latest from the Blog

Recent Articles

Jun
20
2018
How to Buy A Home This Summer With Zero Down
It’s true --you can buy a home with no money down!  If you've been toying with the idea of buying a house but the lack of down-payment funds is holding you back, you’re in luck! We’re going to show you how you can buy a home this summer even if you don’t have a...
Jun
13
2018
What You Need To Know About Buying A Foreclosed Home
 As a quick refresher, a HUD home is a foreclosed home that was previously financed by a government-backed home loan. However, most foreclosed homes on the market are bank-owned, not government-owned. In some ways, the process of buying a foreclosed home is similar to other home...
Jun
06
2018
HUD Homes Are One of the Best Deals Available! Here’s Why:
Pairing the low-rates of an FHA loan with a HUD home one of the best home-buying deals you can get! HUD homes are houses that were once financed with a government-backed loan. However, the owner was not able to make payments, and the home went into foreclosure. The home is now owned by the U.S....
May
30
2018
Most Popular Ways to Finance Home Improvements
Saving for making improvements to your home is often the least expensive route, but it’s not always possible. Thankfully, you have other options for financing! Our business is in home loans, so you might already guess, that’s the option we recommend, but you don’t...

MortgagePro Inc
220 Bateman Ave
Franklin, Tennessee 37067
Phone: (615) 586-0111
Fax: (615) 331-1354
jvinett@gmail.com