HOME LOANS, BUILT AROUND YOUR LIFE
Buying, refinancing or investing? Start with what matters to you. Then we’ll compare the financing, the cash you need and the decisions ahead—together.
A STARTING POINT FOR OUR CONVERSATION
Choose a goal to focus the options below. These are topics to explore with Grant; the right fit depends on your circumstances and program requirements.
Explore all six financing conversations.
A flexible starting point
A conversation about your down payment, credit, documentation and plans for the property.
Monthly housing costs, cash to close, mortgage insurance when applicable, loan term and cash you want to retain. Requirements differ for a primary home, second home and investment property.
Look at the whole picture
Compare FHA with conventional around your credit, down payment and expected time in the home.
Upfront and ongoing mortgage insurance, estimated payment and closing costs over the time you expect to keep the loan. The lowest initial payment is not automatically the lowest total cost.
For eligible military borrowers
Explore VA financing for eligible veterans, service members and certain surviving spouses.
Your Certificate of Eligibility, entitlement, any applicable funding fee, property requirements and overall costs. Eligibility and underwriting requirements apply.
When income is not a simple paycheck
Explore traditional documentation, bank statements and available profit-and-loss documentation paths.
Business history, eligible deposits, expenses and cash available. Depending on the program, personal or business statements and 12- or 24-month documentation may be considered. Income is evaluated; deposits are not automatically qualifying income.
Short-term & long-term rentals
Compare conventional investment financing with DSCR options that evaluate the property’s rental-income picture.
Intended use, rental-income documentation, property expenses, reserves, credit and program requirements. A second-home loan must meet genuine personal-use requirements; it is not an interchangeable rental-property shortcut.
A fresh look at your current loan
Start with your goal, your current mortgage and the time you expect to keep the home.
Closing costs, loan term, estimated payment, interest over time and the point at which potential savings recover upfront costs. A lower payment can still mean more interest over the life of the loan.
Bring your goal. Grant will help you compare the paths worth considering.
START BEFORE YOU START TOURING
Organize your payment target, savings and next questions.
Open the first-home workbookWork through employment, timing and the home you’re leaving.
Plan your Nashville moveUnderstand the decisions that come after the approval amount.
Go beyond the preapprovalYOUR GOALS. A CLEARER PLAN.
A home, a refinance or an investment. Start with a conversation about what matters to you.