Why Our Process May Feel a Little Different...
Early in my mortgage career, I watched first hand as a colleague rubber stamped a so-called pre-approval without pulling credit or gathering any documentation from the client.
They went under contract, paid for inspections, an appraisal & started planning their move.
Once the file hit the underwriter's desk however, it came to light that they didn’t actually qualify for the home.
They lost over $2,500 in earnest money & inspection/appraisal fees, not to mention the stress and disappointment of watching a deal fall apart after seeing themselves in the home.
Witnessing that heartbreak, stress & frustration first hand stuck with me, so I vowed never to let that happen to a client on my watch.
Which is why we at Loan Some Dough take a more thorough approach before your agent ever writes an offer. Not to be a hall monitor, but to protect your time, money & peace of mind.
We believe a pre-approval should actually mean something, of course we look for ways to save our clients time & money, but we will not skip due diligence or make assumptions to do so.
Because of this, our process may feel more thoughtful & in-depth than what you may have experienced elsewhere, but we guarantee it's for your best interest, and everyone involved for that matter.
Choose the Situation That Best Fits Yours:
We understand most folks don't fit into a single box, choose what feels most accurate
and we'll help guide you the rest of the way...
First-Time Homebuyers
Buying your first home should feel exciting, not overwhelming. We help first-time buyers understand the numbers & loan types, avoid common mistakes & navigate the loan process with confidence.
Right-Size & Move-Up Buyers
Selling and buying simultaneously in order to move on to your next chapter can be a complex undertaking with many moving parts. We help you protect & utilize equity wisely by avoiding costly move-up mistakes.
Relocating To Tennessee
If you're relocating to East Tennessee, first let us congratulate you on a wise decision, it's awesome here! But, the way you buy here matters, so we guide relocating buyers through financing options and strategy, so the move feels intentional not chaotic, setting you up for long-term success.
New Construction & Builders
Whether you're working with a builder or are a builder yourself, building a custom home or in a master planned community, new construction is a much different process than buying existing real estate. We help both buyers and builders coordinate financing, understand timelines & builder requirements in order to minimize the risk of setbacks that potentially cause delays, which inevitably affect budgets.
Veterans & Active Duty Servicemembers
VA loans offer powerful benefits, especially when used strategically. Loan Some Dough jumps at any chance to assist active-duty service members and veterans make the most of their hard earned entitlements. Skeptical? Well our brokerage, Edge Home Finance, is the #1 VA mortgage broker in the US! And we're so proud to be under the best umbrella in the business.
Retirement & Home Equity Planning
Whether you’re planning for retirement, downsizing or exploring ways to access home equity, we help you think through the pros/cons of each option with compassionate clarity.
Self-Employed & Variable Income Buyers
Just because your income doesn’t fit neatly into a single box, doesn't mean you should struggle to find a loan with agreeable terms.
We work with business owners, contractors, commissioned professionals & buyers with multiple streams of income every day.
Real Estate Investors
Whether you're just dipping toes into investing or a seasoned investor with a growing portfolio, financing matters. We help investors choose loan structures that support long-term performance not just fast closings. Loan Some Dough is here for the long haul.
Divorce, Separation & Untimely Death
In the unfortunate event of drastic life changes, the last thing anyone needs is a chaotic home buying/selling process. We provide calm, thoughtful & compassionate guidance when buying, refinancing or planning next steps during divorce, separation or grieving the loss of a partner.
Roxy Miles
NMLS #2464939
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Edge Home Finance
NMLS #891464