Tennessee Real Estate Tips: Buying & Selling Made Easy

Choosing the right lender is one of the most important steps in the home-buying process. A great lender not only secures the best loan for your financial situation but also ensures a smooth and stress-free experience. As a Murfreesboro realtor, I always advise my clients to work with reputable, local lenders who offer excellent communication, competitive rates, and reliable service.

Key Qualities to Look for in a Lender

1. Strong Communication – A great lender keeps you informed throughout the process and is easily accessible for questions.
2. Competitive Loan Products – Different lenders offer different loan types, interest rates, and terms. It’s important to work with someone who finds the best option for your needs.
3. Efficiency & Reliability – A lender who can move quickly and meet deadlines is crucial in today’s competitive market.
4. Local Market Knowledge – Lenders familiar with the Murfreesboro real estate market can provide insights that national institutions may not.
5. Customer Service & Reputation – Checking reviews and getting recommendations from your realtor can help ensure a positive experience.

Trusted Local Lenders

Here are a few trusted professionals I highly recommend (in no particular order):

Michelle Ballard

📞 (615) 624-5562
📧 Michelle.Ballard@pnfp.com
🌐Pinnacle Bank

Bruce Sims

📞 (615) 390-3948
📧 BSims@cmghomeloans.com
🌐 CMG Home Loans

Lisa Durrand

📞 (615) 878-7586
📧 Lisa.Durrand@veteransunited.com
🌐 Veterans United

Travis Holland

📞 (615) 602-4230
📧 Travis.Holland@accuratemtg.com
🌐 Accurate Mortgage

Michael Dean Church

📞 (615) 948-8587
📧 Michael.Church@fairwaymortgage.com
🌐 Fairway Mortgage

Note:  I know that Michael will aggressively search for discounts and can provide one more often than not.



Top 3 Questions to Ask a Lender

1. What loan programs do I qualify for?
   Why it matters: Different programs (FHA, VA, USDA, Conventional) have varying requirements, down payment options, and benefits. Knowing your options helps you make the best financial decision.
2. What are my interest rate and closing costs?
   Why it matters: Interest rates affect your monthly payment and the total cost of the loan over time. Understanding closing costs helps you budget effectively and avoid surprises at closing.
3. How long does the loan process take, and what could delay it?
   Why it matters: In a competitive market, a smooth and timely loan process can make or break your home purchase. Knowing potential delays upfront helps set realistic expectations and plan accordingly.

Final Thoughts

Your lender plays a vital role in your home-buying journey. By choosing a knowledgeable, responsive, and trustworthy professional, you’ll set yourself up for a seamless experience. If you need any guidance on selecting the right lender, feel free to reach out—I’m happy to help you through every step of the process!

Happy house hunting!