• 			    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

Jul
18
2018
Your Questions About Closing Costs Answered
This article will answer the most common questions about buyers closing costs, including some ideas for minimizing paying closing costs upfront. "Will There Always Be Closing Costs?" Yes, there are always closing costs. Whether you're the buyer or the seller or even refinancing,...
Jul
11
2018
Buying a Starter Home vs a Forever Home: Which Should You Choose?
When you're a first-time homebuyer, the first thing on your mind is probably, "how much home can I afford?" and rightfully so! Knowing how much you qualify for is the first step to buying a home. But here's another crucial detail to consider: should you buy a starter home or a forever...
Jul
05
2018
Top Ten Credit Score Myths --Busted!
Your credit score is one of your most powerful tools for planning your financial future --mostly because it determines the terms of loans like mortgages. Unfortunately, there’s a lot of misunderstandings about FICO scores, and it can lead you to miss out on the benefits of your...
Jun
27
2018
If This Sounds Like You, It's Time to Refinance
Do any of these 7 financial situations sound like you? If they do, then you might be ready to refinance your mortgage! Remember, you can start the refi application at any time on using our digital application --the sooner you apply, the sooner you can secure a new, lower mortgage...

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