Best Mortgage and Home Loans

Your Mortgage, My Mission

"I love working with my mortgage clients through every step of the buying process... To do my job the best I can, and then be able to sit with them at the closing table, and see their faces as they buy their first home. It's like Christmas for me. There's just nothing better."
-Taylor Hill - 615-243-7590

Understanding Reverse Mortgages

As a homeowner, you have options. Depending on your age and financial situation, you have varying needs, and refinancing options are viable for those who meet certain qualifications. Reverse mortgages are often helpful to senior citizen homeowners. A reverse mortgage involves the lender paying the homeowner either a lump sum, or installments based on the [...]

Benefits of Refinancing

If you are currently paying for a long-term mortgage, refinancing may help you lower your bills. However, oftentimes, refinancing is costly during the short-term. Refinancing a mortgage may not be beneficial for everyone, and it is important to consider the options before jumping into any situation. Financial situations are usually dynamic. If your financial situation [...]

Why it’s Harder to Qualify for a Loan These Days

There are several reasons it’s harder to qualify for a loan than ever before and it’s not all about your personal credit, though credit is a large factor in the process. The guidelines have changed and set the bar higher so even though you may have had okay credit before, you may either fall below [...]

It’s a Great Time to Refinance

With unbelievably low interest rates that we have seen over the last two weeks it’s a great time to get your mortgage refinanced. If your current interest rate is more than 5.25 and you intend to stay in your home for at least the next five years, you should call a mortgage loan officer and [...]

Interest Rates Remain Exceptionally Low

Though applications for new mortgages dropped off in May, interest rates continue to be at some of the lowest levels in history. In the good old days, people would be lining up to refinance their current loans at the lower rates. However, things are really different today. First, many who could use the lower rates [...]

Another Chance for a Refinance

If you have an interest rate of over 6%, you may want to consider a refinance of your loan. You will also need to consider your blended rate if you have a first and a second as this could be a lot higher than what you can currently get. However, before you go hog wild [...]

Limited by the Numbers

I am always amazed how some people think a loan officer can “just make the numbers work”. I’ve come to the conclusion that maybe that’s why we’re in the mess we are in right now in the mortgage business. The truth of the matter is this; no one should ever manipulate the numbers to make [...]

Home Loan Modifications

I have received several calls over the past week in regard to home loan modifications for people that have not been able to refinance their homes due to the loan on the house being more than its current value or the current financial position has changed and they can not longer qualify for a refinance. [...]

What is a “no cost” FHA Loan?

The closest thing to a no cost FHA loan is a streamline refinance though this is changing very soon just like so many other things in the loan and mortgage world. A streamline has been done in the past without an appraisal and credit is pulled to verify that the mortgage has been paid over [...]

The Relationship between Credit Scores and Mortgages

In the good old days, you would go down and talk to your local banker who has known you and your family for forever and you would let him know where you were working and how much money you made. After he asks you a couple of questions he would tell you to go find [...]

keep looking »

Testimonials

"I was very nervous since this was my first house. Taylor was great! I never had to call him because he kept me informed through the entire process. I don't think I could have had a better experience." - Al K.

Subscribe to our feed

Search

Admin