One application, shopped to multiple wholesale lenders — instead of one bank's answer and no explanation. I'm a Loan Officer with Saxton Mortgage, a UWM Top 1% partner licensed in 38 states, serving Nashville, Franklin, Brentwood, Murfreesboro and Middle Tennessee.
A bank has one rule book. I have dozens.
When a bank declines you, that's the end of it — and nobody tells you which lender would have said yes. Most declines aren't agency rules at all. They're one company's internal add-ons, called overlays.
As a broker I submit your file to multiple wholesale investors and bring the options back. Knowing which ones don't carry a given overlay is most of the value I add — and it's the entire reason a broker exists.
See where you stand
About two minutes. No credit pull, no obligation.
Awards earned by Saxton Mortgage, the lender behind your file.
Whether this is your first house or your fifth, the questions are different and the answers should be too.
An underwriter-reviewed letter, not an auto-generated PDF. Listing agents can tell the difference, and in a market where buyers finally have some leverage, it's worth having the stronger one.
The most fixable problem I see, and the most stressful. Bring me what happened and I'll tell you quickly whether it's recoverable and what it would take.
I'll model both rather than steering you. They differ on mortgage insurance, credit flexibility and long-term cost, and the right answer genuinely depends on your file.
Tennessee's THDA program raised its purchase price cap in 2026, which brought a lot more Middle Tennessee inventory into range. Worth checking before you assume you don't qualify.
Banks judge you on tax returns after write-offs. Bank statement and 1099 programs judge you on deposits. If your returns don't reflect what you actually earn, say so.
FHA rules reach considerably lower than most banks will go. If you were declined on score alone, that was probably an overlay rather than a rule.
Nashville sits in a high-cost loan limit area, so a good number of Williamson County homes aren't actually jumbo. I'll tell you which side of the line you're on.
Working with a broker doesn't mean working with a small shop. It means you get both.
Saxton Mortgage, LLC holds lending licenses in 38 states from Alaska to Wyoming under NMLS #1717191. That footprint is why the investor access behind your file is what it is.
Saxton is a Top 1% certified partner with United Wholesale Mortgage, the largest wholesale lender in the country — which affects pricing and turn times in ways a small independent shop cannot match.
I submit your file to multiple wholesale investors and bring the options back to you. A bank can only ever offer you the bank.
The institutional weight sits behind the loan. The relationship isn't outsourced — you work with me from the first call through closing, not a rotating queue.
Verify any of this yourself — I'd rather you checked than took my word for it.
As we were shopping around lenders, Mike was recommended by a realtor friend. We spoke to Mike and laid out our concerns and right away he made our worries feel at ease. All we did was ask if he could close on the date provided and he went to work. Mike definitely went above and beyond and he made sure to take care of his veterans. In the near future we would love to work with Mike again and would definitely recommend him to all our homebuyer friends.
Saxton Mortgage, LLC holds a 4.8-star average across 889 client reviews aggregated from Zillow and other sources. That rating reflects the company as a whole, across every loan officer.
Read them at Birdeye, see reviews specific to me on my Saxton profile, or look up NMLS #1666142 at nmlsconsumeraccess.org.
On most files the wholesale lender pays my compensation rather than you. On others it comes from loan proceeds at closing. Either way the exact figure appears in writing on your Loan Estimate before you're committed to anything, and I'm glad to walk through it line by line beforehand.
The questionnaire doesn't pull your credit — it uses your own estimate of your score. Nothing touches your credit report until you ask me to proceed and we both agree it's worth doing.
Usually within a couple of business days once I have your documents. If you're writing an offer this week, tell me on the first call and I'll work to that.
To begin, nothing beyond the questionnaire. To go further: typically two months of bank statements, recent pay stubs, two years of W-2s or tax returns, and photo ID. I'll send an exact checklist.
No — and anyone who does before reviewing your file is telling you something they aren't permitted to say. What I can commit to is a clear, honest answer quickly, so you can plan around it either way.
So there are no surprises later.
I work remotely with clients across the states I'm licensed in. My office of record is Saxton Mortgage in San Diego — which in practice means you reach me directly rather than whoever happens to be at a branch desk.
I'm licensed in AL, AZ, CT, FL, HI, MD, MI, OH, OR, PA, TN, TX, UT and VA. Kentucky is the notable exception — if your home sits on the Kentucky side of the Fort Campbell line I'll tell you at the outset and refer you to someone licensed there, at no cost.
Below that figure, fixed origination costs take up too much of the benefit for it to be a fair deal for you.
If I'm not the right fit, I'd rather say so on the first call than three weeks in. That has cost me business occasionally. It's still the right way to do this.
About two minutes, no credit pull, and no obligation. You'll get a clear answer either way.
Check Your Eligibility Or call or text me directly at (619) 903-6659