Frequently Asked Questions

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What types of loans?

We provide a wide range of options including conventional loans, FHA loans, VA loans and USDA loans. This allows us to match the right loan to your financial needs and long-term goals.

Are you local to West TN?

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Yes we are! We are proud to be based out of western Tennessee and to be a part of our local community. You can rest easy knowing that when we act neighborly, its because you really are our neighbors.

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Do I need perfect credit ?

Not at all. While strong credit can improve your terms, we work with clients across the credit spectrum and often have solutions available for those with less-than-perfect credit.

How much money do I need for a down payment?

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The amount varies depending on the loan program. Some loans require as little as 3% down, while VA and USDA loans may offer zero down payment options. We’ll help you find the best fit for your budget.

How long is the mortgage approval process?

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On average, the process takes 30 to 45 days, but timing can vary depending on how quickly documents are provided and the complexity of the loan. We’ll keep you updated every step of the way.

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What documents will I need to provide?

Typically, you’ll need proof of income, tax returns, recent bank statements, and employment history. Our team gives you a clear checklist up front so you know exactly what to gather.

What type of mortgage do I need?

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Don't worry! Our trained professionals can help you figure out which type suits you best. We will take into account all of your life factors and create a loan that works for you!

What closing costs should I expect?

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Closing costs usually range between 2% and 5% of the loan amount. We’ll provide a detailed estimate early in the process so you know what to expect and can plan accordingly.

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Why should you choose us?

We combine personal service with deep mortgage expertise. Our goal is to simplify the process, answer your questions clearly, and help you secure the loan that best fits your financial future.

Nelson Mortgage Company | NMLS #2764928

Jenny Mims | Mortgage Loan Originator | NMLS # 652466

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