Music City Mortgage Inc — Franklin, TN

Mortgage broker serving Franklin, Nashville, and Middle Tennessee

Quick Facts

Category: Mortgage Broker
Address: 128 Holiday Ct #121, Franklin, TN
Phone: (615) 599-2101
Website: https://musiccitymtg.com
Service area: Tennessee, Florida
Business type: Family-owned mortgage brokerage, 25+ years in operation
Lender network: 75+ banks and lenders
Loan products: Conventional, FHA, VA, USDA, Jumbo, THDA

Overview

Music City Mortgage Inc is a Franklin, Tennessee-based mortgage brokerage that has operated as a family business for more than 25 years. Rather than lending its own money like a bank, the company works as a broker, shopping rates across more than 75 partner banks and lenders on a client’s behalf. The company states it does not charge excess fees or points, positioning the savings from that comparison-shopping model as a direct benefit to the borrower rather than the brokerage.

The firm serves both Tennessee and Florida from its Franklin headquarters, offering a wide range of loan products: fixed-rate conventional mortgages, FHA loans, VA loans for active-duty military and veterans, USDA loans for rural properties, and jumbo mortgages for higher-value homes. It also provides access to Fannie Mae and Freddie Mac-backed products, Tennessee’s own THDA (Tennessee Housing Development Agency) programs, first-time homebuyer assistance, home equity loans, and investment property financing.

Music City Mortgage says a majority of its business comes from repeat clients and referrals, consistent with its family-business positioning. Based in Williamson County, the company is positioned as an option for first-time buyers who want access to Tennessee-specific programs like THDA, as well as refinance clients who want a broker comparing multiple lenders rather than a single bank’s rate.

Services

Fixed-rate conventional mortgages
FHA loans
VA loans (active military and veterans)
USDA loans (rural properties)
Jumbo mortgages
Fannie Mae / Freddie Mac-backed loan products
THDA (Tennessee Housing Development Agency) programs
First-time homebuyer programs
Home equity loans
Investment property financing

What Sets Music City Mortgage Apart

Broker model comparing rates across a network of 75+ banks and lenders, rather than one institution’s product line
States it charges no excess fees or points
Family-owned and operated for more than 25 years
Majority of business from repeat clients and referrals
Access to Tennessee-specific THDA programs for first-time buyers

Frequently Asked Questions

Is Music City Mortgage Inc a bank or a mortgage broker?
It is a mortgage broker. It does not lend its own funds directly; instead it shops rates across a network of more than 75 banks and lenders to find loan options for clients.

What loan types does Music City Mortgage Inc offer?
Conventional fixed-rate loans, FHA, VA, USDA, jumbo mortgages, Fannie Mae/Freddie Mac products, Tennessee THDA programs, first-time homebuyer loans, home equity loans, and investment property financing.

What areas does Music City Mortgage Inc serve?
Tennessee and Florida, with its headquarters in Franklin, TN (Williamson County).

How long has Music City Mortgage Inc been in business?
The company describes itself as a family business operating for more than 25 years.

Location & Contact

Address: 128 Holiday Ct #121, Franklin, TN
Phone: (615) 599-2101
Website: https://musiccitymtg.com

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