Steadfast Mortgage
Mortgage
Welcome to Your Consultation
About Your Advisor
About Me
Born and raised in Tennessee, I take pride in helping all types of homebuyers across my home state achieve their real estate goals. After graduating from Middle Tennessee State University, I began my career in mortgage lending.
I have extensive experience working with first-time homebuyers, real estate investors, and clients exploring non-traditional mortgage options — whether it's a primary residence, rental property, or a unique financing situation.
I believe that clear communication and exceptional customer service are the keys to a smooth mortgage experience. My focus is always on making sure clients feel informed, confident, and supported from application to closing.
Getting Started
Pre-Approval
Pre-approval is your proof that you are a qualified buyer and are in a position to make a serious offer. My pre-approval process is thorough — I do everything necessary up-front to make sure there are no surprises that come up in underwriting.
The Process
Get Pre-Approved
Pre-approvals are not one size fits all. While the goal is always to have it completed within 24 hours, it may take longer depending on your specific situation. Once it's complete, you'll know your exact buying power as well as see a dialed-in breakdown of closing costs and estimated payments.
If the pre-approval doesn't get you where you want to be, I can help form a plan to get you into the house you want. P.S. Co-signers don't hurt you.
Under Contract
Our Process Once Under Contract
Closing your loan on time and with ease is what we do. Here is an outline of what to expect next — we are your guides every step of the way.
Understanding Your Rate
How Mortgage Rates Work
When discussing your rate, I will quote you a range until the date we lock it in. Rates can change daily — or even several times a day — based on:
5 Most Important Factors That Determine Your Rate
- 1The Market — Mortgage backed securities set the baseline for all rates
- 2Your Credit Score — Higher scores unlock better pricing and more options
- 3Down Payment & Loan Type — Bigger down payments lead to better rates. Different programs (Conventional, FHA, VA, Non-QM) each have their own pricing
- 4Occupancy Type — Primary homes get the best pricing, followed by second homes, then investment properties
- 5Property Type — Condos, multi-units, and manufactured homes may carry small pricing adjustments
Interest Rate vs APR
Common Misconceptions
The Top 3 Mortgage Myths
Best Practices
Mortgage Process Do's + Don'ts
Availability
Keep financial records close at hand in case they're requested.
Income
Be aware your income will be verified via employers, tax documents, CPA, and/or the IRS. Hold onto paystubs and file taxes on time.
Assets
Save all account statements. Keep all numbered pages of each statement (e.g. page 8 of 8).
Keep Your Credit Shining
Make payments on time. Maintain at most a 40% balance-to-limit ratio on credit cards.
Understand Things Have Changed
Underwriters now request more documentation than in the past. If requests seem intrusive, remember: if they didn't need it, they wouldn't ask.
File Your Taxes on Time
Consult with me on whether to file before or after closing. IRS verification is required on all loans.
Apply for New Credit
Changes in credit can cause delays, change terms, or even prevent closing. Consult me first if you must open a new account.
Change Jobs
Employment changes can adversely affect loan approval — especially moving from salaried to contract or commissioned work.
Make Large Purchases
Buying or co-signing for a new car before buying a home is the most common reason buyers can't afford the home they want.
Make Undocumented Deposits
Large non-payroll deposits must be sourced — a copy of the check is usually required. Do not deposit large amounts of cash.
Be Afraid to Ask Questions
I am here to help you through the process — even long before you intend to buy.