Middle Tennessee · Franklin, TN

Getting a mortgage shouldn't feel like homework.

Penny cuts through the jargon, finds the right loan, and actually picks up the phone. No Polo Shirt Mafia games — just a real answer from someone who's funded over a billion dollars in loans.

22 years originating mortgages. Over a billion dollars funded, lifetime.
Licensed in Tennessee · NMLS #111937 · Crosspoint Financial

Start My Application → See Loan Programs

10 minutes · no credit pull to start · no commitment

No credit pull to start✓

Licensed & NMLS verified✓

Based inFranklin, TN

Loan programs9+

Years originating22

Lifetime funded$1B+

⌂ Equal Housing Opportunity NMLS #111937 · Licensed in Tennessee Crosspoint Financial, Inc. 🔒 Secure (HTTPS) application

The Process

From "I think I'm ready" to keys in hand.

Four steps. No surprises in between — and if there are, Penny tells you before you find out the hard way.

Apply online

About 10 minutes. No commitment, no credit pull yet — just enough to get oriented.

Penny reviews it

A real person looks at your application and calls you. Not a bot, not a call center.

Get pre-approved

Lock in your real budget and shop with confidence. Sellers take this seriously.

Close & celebrate

Sign the papers. Get the keys. The happy dance is optional but encouraged.

Let's Get Started

Loan Programs

A loan for your situation. Whatever that looks like.

First-time buyer, self-employed, veteran, no down payment — there's a program. Here's the actual rate-sheet view, not a marketing summary.

Zero & Low Down

ProgramDownWhat it's forNotes

VA Loan 0% down For active military and veterans. No PMI, competitive rates — one of the best deals in lending if you've earned it. Conforming¹

USDA Loan 0% down Zero down for eligible rural and suburban properties. Most people never hear about this one. Area-based

FHA Loan 3.5% down Flexible credit requirements, backed by the federal government. Good for first-time buyers building their footing. $1,029,250²

DPA Programs Varies Tennessee offers several down payment assistance programs. Most buyers qualify for more than they expect. Program-based

Conforming Loans

ProgramDownWhat it's forLimit

20% Down 20% down Instant equity, no PMI, lowest monthly payment. Ideal if you have the savings and want the best long-term position. $832,750

10% Down 10% down Balance between building equity and keeping cash on hand for repairs and the unexpected. $832,750

5% Down 5% down Keep more savings in reserve and still get a solid conventional rate. $832,750

¹ VA loans for borrowers with full entitlement don't have a hard federal cap — most lenders underwrite to the conforming loan limit shown here for practical purposes.
² The standard conforming loan limit is $832,750. Because Williamson County is FHFA-designated high-cost, that limit rises to $1,029,250 here — so Franklin, Brentwood, and the rest of Williamson County get more room under a conventional or FHA loan before crossing into jumbo territory. Loan limits are set annually and verified per transaction.

See All Programs & Jumbo Options →

22 Years originating

$1B+ Funded, lifetime

9+ Loan programs

TN Local, licensed expert

On the Record

Don't take our word for it.

Real clients. Their words, lightly trimmed for length — never for content.

✓✓✓✓✓ verified client

"Penny guided me through every step with patience and explained everything clearly. The process was seamless and I felt confident the whole way through."

— Franklin, TN homebuyer

✓✓✓✓✓ verified client

"Got an amazing rate and Penny was always just a call away to answer our questions. Made the whole process feel easy — even when it wasn't."

— First-time buyer

✓✓✓✓✓ verified client

"Excellent communication and quick approvals. Thanks to Penny I now have the keys to my new home. Could not have asked for a better experience."

— Tennessee homeowner

Ready When You Are

Stop renting someone else's dream.

Takes 10 minutes. No credit pull. Just real answers.

Start My Free Application → Call 615-810-3988

Or call Penny directly: 615-810-3988