Licensed in Tennessee
Tennessee is home. We are based in Lebanon, in Wilson County, and it is the state we know street by street — which subdivisions appraise the way people expect them to, which rural parcels still qualify for zero-down financing, and how fast the Nashville metro moves when inventory is thin.
Working across Nashville, Memphis, Knoxville, Chattanooga, Murfreesboro, Clarksville and the rest of Tennessee.
Middle Tennessee has been a seller's market long enough that a pre-approval letter is table stakes, not a differentiator. What actually wins a contract here is a lender the listing agent believes will close on time. That is why we do the underwriting work up front rather than issuing a soft letter and hoping — it is the difference between an accepted offer and a polite pass.
Drive fifteen minutes past the Lebanon city limits and you are in territory where USDA financing is genuinely available — zero down, on a normal thirty-year fixed. Most buyers assume that ended years ago, or that it is farm-only. It is not. Eligibility is drawn by map, not by acreage, and it is worth checking before you assume you need a down payment at all.
That is where most Tennessee files land, not the limit of what we can do. We are brokers, so the lender list behind us is long and the product list behind that is longer. Call Tyler and describe the situation.
THDA runs the Great Choice loan and its down payment assistance. It is originated only through lenders THDA has approved and trained, and we are not on that list — so if THDA turns out to be your best route, we will tell you and point you to a participating lender rather than steer you into something worse.
Tyler McCain, NMLS #173261, is licensed in Tennessee and five other states. Two minutes, no credit pull, and you will know where you stand.
Also licensed in Texas, Ohio, Alabama and Kentucky — and in Florida.
