Service Area
Franklin is home base for this business, and it shows in the work. My office is in Franklin, at 1850 General George Patton Dr, and Franklin buyers, homeowners, and investors are the people I talk with most. That local footing matters when a deal has a wrinkle: a new construction timeline in the Cool Springs area, a historic home near downtown Franklin, a self-employed borrower whose income does not fit a standard form, or a family moving to Williamson County who needs a clear number before they tour.
As a loan officer with Heathrow Mortgage, I work as a broker rather than a single-lender loan officer. That means I compare loan programs across a network of wholesale lenders and pick the one that fits your situation, instead of telling you whether you fit the one program on offer. Purchase, refinance, home equity, investment, and self-employed borrower loans are all part of the regular work here.
Franklin has several distinct housing pockets, and each one shows up differently in a loan file. Downtown Franklin and the streets around Main Street include historic homes where age, additions, and prior renovations need a careful appraisal conversation. Westhaven, Berry Farms, and McKay's Mill are planned communities with association dues, amenities, and a mix of single-family homes and townhomes. Fieldstone Farms and the subdivisions along Hillsboro Road are established neighborhoods where most sales are resales of homes built decades ago. Out toward Ladd Park and the southern edge of the city, new construction is still active, which brings builder timelines, lot premiums, and closing dates that can move.
The Cool Springs corridor on the north side of Franklin is the area's main office and retail district, and a lot of Franklin buyers work there or in nearby Brentwood. That short commute is part of why relocation buyers often start their search in Franklin even when their job could be done from anywhere in Williamson County.
Franklin price points span a wide range, from townhomes and smaller starter homes to higher-priced homes in planned communities and on larger lots. For Davidson and Williamson County homes, the 2026 one-unit limit referenced on this site for FHA and jumbo planning is $1,029,250, and Franklin purchases fall on both sides of that line. A buyer near the line should talk through conventional and jumbo options side by side, because documentation, reserves, and down payment expectations can differ between them.
Franklin borrowers often ask about pre-approval before touring, conventional, FHA, and VA loans and which one fits their down payment and credit picture, jumbo loans for higher-priced Franklin homes, new construction loans and how timelines work with a builder, and refinance and home equity options for longtime homeowners. I also talk regularly with landlords about DSCR and investment property loans, and with self-employed borrowers who need a lender willing to look beyond a single tax year. Relocating families are a steady part of the Franklin market, and for them the most helpful thing I can do early is give a firm, honest number and a short list of what to gather before they travel to look at homes.
The process is straightforward. We start with your goal and your numbers, not with paperwork for its own sake. You will hear plainly what is needed, what the payment looks like, and what could still change. I stay your contact from application to closing, and I will tell you honestly when the answer is not yet and what would need to change. Conventional loans can allow as little as 3 percent down for borrowers who qualify, FHA loans allow 3.5 percent down for borrowers who qualify, and VA loans often require no down payment for eligible borrowers. None of that is a promise of approval, a rate, or terms. It is a framework for deciding which program deserves a full application.
We start with a conversation about your goal, your budget, and the kind of property you want, before any application paperwork. From there I will tell you plainly what documents are needed, what your payment and cash to close look like under the programs you may qualify for, and what could change those numbers. If you are buying in Franklin in Williamson County, that first conversation should also cover the property details on this page that apply to your search, because the property and the borrower are reviewed together by every lender.
You will have one point of contact from application to closing. I stay on the file, I will tell you where things stand without you having to chase an update, and I will tell you honestly when the right answer is to wait, fix an issue, or choose a different program. Buy the house because the deal works today, not because of a maybe. If rates ease down the road, a refinance may be worth a look at that time.
Yes. Heathrow Mortgage's office is at 1850 General George Patton Dr, Ste B209, Franklin, TN 37067, and Franklin is my primary market. Being local means I know how Williamson County closings, association documents, and builder timelines tend to run, and I can meet in person when that helps.
Before you tour seriously. In a competitive market, a pre-approval letter and a clear budget make your offer stronger and keep you from falling for a home outside your range. For new construction, start even earlier, because the builder contract and the loan timeline need to be planned together.
Yes. Communities like Westhaven and Berry Farms involve builder contracts, upgrade costs that may or may not be in the loan, and completion dates that can shift. Having the loan conversation early, before the builder's deadlines start driving decisions, helps you choose a loan structure that still fits if the closing date moves.
Yes. We start with your current loan and your goal, whether that is a lower payment, a shorter term, or access to equity, and compare a refinance against a home equity line of credit and against doing nothing. Sometimes the honest answer is to keep the loan you have.
Yes. VA loans are a regular part of the work here, and Williamson County has a steady number of veteran and active-duty buyers, including families relocating for work. We will review eligibility and entitlement early so there are no surprises once you are under contract.
Loan programs:
Answers and guides:
Call (615) 495-6594, email travis@heathrowmtg.com, Travis Jost, loan officer, NMLS #2191646, Heathrow Mortgage NMLS #1849599, office 1850 General George Patton Dr Ste B209, Franklin, TN 37067.
This page is for general information only. It is not mortgage advice, and it is not a promise of any future rate, approval, or loan terms.
