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

Protect Yourself with Insurance

We all know you need homeowners insurance to protect your home but what many people don’t think about is what could happen to your home if you pass away. I always warn new homeowners that they will receive a bunch of notices in regard to insuring their home in case of their death. I also [...]

The Latest News for 1st Time Homebuyers & More

If you have not heard by now, President Obama has signed legislation extending the first time homeowner tax credit. You must have a property under contract by April 30th and it must close by July 30th of 2010. The income restrictions have been raised to $125,00 if you are single and $250,000 if you are [...]

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 [...]

New Disclosure Rules You Need to Know

This past month has brought with it more changes to the process from approval to closing that are designed to protect the consumer. Most of it has to do with the timeliness of presenting as accurate a Good Faith Estimate as possible before closing to prevent the buyer from those last minute heart attack moments [...]

Look at the GFE (Good Faith Estimate) & TIL (Truth in Lending) Documents

Traveling last week on vacation took me to a car rental office where I met a young woman who was very excited about buying her first home. When she found out that I was  mortgage loan officer she asked me if I had any advise for her and I simply told her to make sure [...]

The Time it Takes to Close a Loan

There used to be a couple of things in times past that you would hear loan officers say. One was, “If you can fog a mirror, we can give you a loan!”, and we all know where that has taken us.  The other is, “We can close a loan within a week.” which no longer [...]

Feds Cut Rate Again by .500

I have already been called this morning and asked if interest rates are going to fall again.  My answer, I have no idea.  Interest rates are not following normal historical indicators so no one that I know feels confident in predicting what might happen.  It also takes anywhere from 6 to 12 months [...]

THDA Great Rate Program

The THDA Great Rate program is a program designed for those who either have 3 to 5% of their own money to put down or an expectable gift from an approved relative to cover the required down payment.
It is called the Great Rate program because it has the best rate of all the first time [...]

New THDA Refinance Program October 1, 2008

Starting on October 1, 2008, the Tennessee Housing Development Agency will release a newly created program designed to help people statewide who have adjustable-rate mortgages that may be in jeopardy of foreclosure once the loan adjusts.  This new program, referred to as Great Save, will allow those who qualify to get a low interest, 5.8%, [...]

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.

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