Your Local Mortgage Lender
Located in Tennessee
Personalized Mortgage Experience
Chad Anderson offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Tennessee.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
82% of Real Estate Agents Use AI: What They Use It For and How to Stay Accurate and Compliant
82% of Real Estate Agents Are Using AI. The Opportunity Is Not Adoption. It Is Confidence.
The AI conversation in real estate has officially moved past “Should I use this?” and straight into “How do I use it without creating problems?”
A new Realtors Property Resource (RPR) survey of real estate professionals found that 82% currently use AI tools in their business, and the day-to-day use is already common.
If you are an agent reading this, you are not behind. You are in the majority. The real edge now is using AI with guardrails so your content stays accurate, compliant, and still sounds like you.
(Reference: RPR, https://www.narrpr.com and https://blog.narrpr.com)
What Agents Are Actually Using AI For
The biggest AI use case is not pricing. It is writing and communication.
In RPR’s survey, about 78% reported using AI writing tools for things like social posts, emails, and descriptions.
This tracks with what most teams see in the field: AI helps agents move faster on the tasks that keep the pipeline warm, including:
Listing descriptions
Social media captions
Email and newsletter drafts
Quick client follow-ups and summaries
The pattern is simple. Agents trust AI most where the stakes are lower and the speed payoff is immediate.
The #1 Concern: Accuracy
Here is the part worth slowing down for.
In the same RPR survey, accuracy of outputs was the top concern, showing up at about 63%.
That is a healthy fear.
Because a small “AI mistake” can turn into a big real-world issue fast:
A wrong statement about a property feature
Incorrect neighborhood claims
Misstating school info
Overconfident language about market conditions
Accuracy is not just a quality issue. It is a trust issue.
Compliance and Fair Housing Risk Is Real
Right behind accuracy, agents flagged compliance or legal issues and fair housing concerns as key risks in client-facing content.
Fair housing matters here because advertising language can create problems even when intent is good. HUD explains that housing discrimination is illegal under the Fair Housing Act. (HUD: https://www.hud.gov)
And the law itself explicitly addresses discriminatory “notice, statement, or advertisement” related to sale or rental.
This is exactly why AI should not be the final editor on anything public-facing. It can accidentally generate language that implies a preference or limitation, or it can “guess” facts that are not verified.
The Simple AI Workflow I Recommend
Use AI for speed. Keep humans for truth, judgment, and compliance.
Step 1: AI writes the first draft
Use AI to draft:
A listing description
5 social captions
A short email to your database
Step 2: You do the “3-check edit”
Before anything goes live, do three quick checks:
Fact check: Verify beds, baths, square footage, HOA, major features, and any claims about schools or neighborhoods.
Fair housing check: Describe the property, not the people. Remove anything that could imply preference. (HUD: https://www.hud.gov)
Voice check: Make it sound like you. Add a personal note and remove generic filler.
Step 3: Keep the high-stakes parts human
AI can assist your writing, but your pricing guidance, compliance decisions, and client advice should stay human-reviewed.
This aligns with broader risk guidance on trustworthy AI that emphasizes managing accuracy, reliability, and oversight. (NIST: https://www.nist.gov)
Bottom Line
AI should be your assistant, not your replacement.
If you use it to draft faster while you stay responsible for accuracy, compliance, and advice, you get the best of both worlds: speed and trust.
If you want my simple AI workflow for listing copy + social posts + follow-up texts, comment “AI” and I will send it.
Sources
Realtors Property Resource (RPR): https://www.narrpr.com and https://blog.narrpr.com
National Association of REALTORS®: https://www.nar.realtor
U.S. Department of Housing and Urban Development (Fair Housing): https://www.hud.gov
Cornell Law School (Fair Housing Act advertising language): https://www.law.cornell.edu
NIST AI Risk Management Framework: https://www.nist.gov
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State Licenses
FL #LO49389
AL #52826
KY #MC848810
TN #110784
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