Getting the best Financing

Finding the right home for you is your primary goal, but enjoying it with a lower payment and better mortgage terms is a very important secondary goal. We’ve researched and worked with many mortgage brokers and lenders in the Brentwood real estate markets, and we’ll help you to contact those that are the best fit for you and your financial picture.

The normal mortgage for working families – Just because there’s nothing special about your income stream, and you’re getting a paycheck every week, that doesn’t mean that there won’t be differences in mortgages and lenders for your needs. Every mortgage broker and most lenders tend to work within their own requirements and procedures, and these may or may not be the friendliest terms for a salaried or hourly wage earner. We know which are going to treat you right and give you the best terms, and we’ll guide you to them.

The self–employed borrower – Since the mortgage and housing crisis that began in 2007, it’s become a grueling process for a business owner or self–employed person to get a mortgage. Documentation of income and expenses is much more detailed, and we’re up–to–date on all of it. We’ll steer you toward multiple sources for great mortgages for the self–employed.

Less than stellar credit – All types of lenders have become tougher in our new financial environment, and it’s easy to get a ding or two on your credit these days. It doesn’t even take a mistake or late payment, as credit scores are reduced for the amount and ratio of debt, as well as types of debt. Millions of people pay their bills on time and still don’t have those high end credit scores. We know the lenders in the Brentwood, La Vergne, Antioch, Cane Ridge, Arrington, Bellevue, Burns, Dickson, Donelson, Colliervle, Franklin, Memphis, Mboro, and Smyrna real estate markets ready to provide good mortgages for less than high end credit scores, and we’ll tell you who they are.

ARMs and When They're Appropriate  Though most residential home buyers are buying a home they intend to occupy for a number of years, on average around the country at least eight, this isn't always the case. Also, investors may be looking at a shorter ownership time frame. ARMs, Adjustable Rate Mortgages, are appropriate if the plan is to own a home seven or fewer years, particularly five or fewer. Because the lender is tying up their money for a shorter defined time period, they loan at lower interest rates. ARMs can result in hundreds of dollars a month in lower payments in some cases. They can also allow a buyer to qualify for a larger home. However, this isn't generally a great practice, as once the ARMs fixed rate interest period is over, rates can escalate more than expected.

Financial Disclosure and Deal-To-Closing Considerations – Especially after the mortgage and housing problems that began in 2007, lenders and their underwriters are scrutinizing financial, income and expense information much more closely than ever before. Be prepared to dig out a lot of documentation, and it’s best to be forthcoming with any financial information that impacts your ability to pay the mortgage payment. Even if it’s not asked for early in the process, be prepared for questions and requests for documents throughout the process. Also, it’s highly recommended that you not add any credit card or other debt between the purchase contract and the closing. Just before closing, most lenders will do another credit check and a check for any liens or encumbrances.

Watch the Fees and Question Them  There are a number of fees associated with getting a mortgage, and the total of origination and other fees is usually the highest closing cost aggregate item in the deal. Never hesitate to ask about all fees, why they’re charged and why they’re a certain amount and how they’re calculated. It’s your money, and you’re the customer.

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Success Stories
  • Latonya Martin is very detailed individual, she is a seasoned professional and hardworking. I recommend Latonya's services to everyone!!!

    Leshaunte Obard, Home Seller
  • LaTonya and her team are phenomenal! I was relocating from out of state and I can't imagine the process going any smoother. She or a member of her team was always available, she was knowledgeable, and just overall an outstanding professional and wonderful person! I highly recommend LaTonya and Grand Style Homes

    Michelle Ghee
  • Latonya is professional, tenacious, courteous and most of all in my case patient. She is tireless s in her resolve to get results. She answers my questions and gives me the necessary support to know that regardless of whatever roadblock I meet in the effort to get my house sold despite what seem insurmountable odds she will get the job done. I could not ask for a better person to represent my real estate interests

    Arnita Mckiver, Home Seller
  • I knew nothing about buying a home, so I Googled some real estate agents. Grande Style Homes came up on the list. I sent LaTonya a message. She responded promptly. From the first time I contacted her until I moved into my first home, she was there every step of the way! If you need a home, LaTonya will get you in there!

    LaToya Connley
  • My family and I would like to thank you for all your hard work an time in helping finding a home for us. Thanks."

    A. Foster Antioch, TN
  • As a client of Grande Style Homes Real Estate Agency for over seven years, I have been very satisfied with the quality of professionalism that Owner/Realtor, Ms. LaTonya Martin and her staff have shown me in my purchase of several property's through this company. Her team demonstrates service, attention to detail, and value of the client. I recommend to anyone seeking to acquire property, to put your trust in the Grande Style Homes Real Estate Company as I have done. You will be satisfied.

    Forrest Henderson
  • "Ms. Martin assisted my husband and I in purchasing our 1st home a few years back. We were young at the time and did not have a clue on what was in store when it came to the housing market, banks, lenders, insurance, etc. She was informative to help us understand step by step what was going on. Ms. Martin was more than welcoming with getting us in a home that was perfect for our needs, she also made sure to keep us in the loop on everything that was going on with the buying process. She is very confident in her work (which is a plus), customer focused and has your needs at heart. I have and will continue to refer customers to her."

    M. Hearring, Nashville, TN
  • "Latonya was a great asset and was very detailed with everything. She truly loves her work and would be a great asset to anyone that needs her help."

    W. Mitchel, CEO, Nolensville, TN
  • "Latonya is a realtor that you can trust. She is easy to deal with and is patient. She knows how to get the deal done and will go the extra mile to do it." ,

    S, Vickery Dickson, TN
  • "Latonya Martin not only cares about her clients to the point of a sell. But she cares to a point immeasurable. I strongly recommend Latonya Martin for all of your real estate needs!"

    A. Moore, Producer, Old Hickory, TN