licensed in texas and tennessee
about me
Regional Manager with Supreme Lending. Continuing to develop key relationships with Top Agents in the Houston area to provide their clients with an unforgettable home buying experience.
Mortgage lending is more than selling loans. It’s about helping people achieve their homeownership goals. Whether that’s helping them reach a better financial position or connecting them to the home of their dreams, it’s about guiding them to the finish line.
My industry experience has taught me to take the time to understand my customers: When I see my customers as real people with real goals, needs, and dreams, I get to match them with the best loan product and create a truly seamless lending experience.
Everyone has a story to tell. What they need is a Loan Originator who will listen, customize a loan to meet their needs, and guide them every step of the way.
I look forward to working with you!
the magic of two states
texas & tennessee
Whether you’re drawn to Tennessee’s affordability and lifestyle or Texas’ growth and opportunity, owning a primary residence in either state offers meaningful financial and personal benefits. As a licensed mortgage professional in Tennessee and Texas, I can help buyers evaluate their options, understand local markets, and choose loan solutions that align with their long-term goals.
Benefits of Owning a Home in Texas
Texas remains one of the fastest-growing states in the country, drawing homeowners with opportunity, space, and economic strength.
No State Income Tax
Like Tennessee, Texas does not charge state income tax, which can significantly improve affordability and purchasing power for homeowners.
Strong Job Market & Economy
Texas is home to thriving industries including technology, healthcare, energy, and manufacturing. This economic diversity supports housing demand and long-term market stability.
Wide Range of Housing Options
From major metros to suburban communities, Texas offers diverse home styles, lot sizes, and price points, making it easier to find a home that fits your lifestyle and budget.
Long-Term Growth & Appreciation
Many Texas markets continue to experience population growth, infrastructure expansion, and real estate appreciation — making homeownership a strong long-term investment.
Homeownership-Friendly Environment
Texas supports homeownership through flexible loan programs, strong resale markets, and communities designed for families, professionals, and retirees alike.
Benefits of Owning a Home in Tennessee
Tennessee continues to be one of the most attractive states for homebuyers looking for affordability, lifestyle, and long-term value.
No State Income Tax
One of the biggest advantages of living in Tennessee is the absence of state income tax on wages, allowing homeowners to keep more of what they earn and improve long-term financial stability.
Affordable Cost of Living
Compared to many other states, Tennessee offers a lower overall cost of living, including housing, utilities, and property taxes—making homeownership more attainable for first-time buyers and growing families.
Strong Housing Market
Cities like Brentwood, Nashville, Franklin, and surrounding Middle Tennessee communities continue to see steady demand, supporting long-term home value appreciation.
Quality of Life
Tennessee offers a balance of suburban comfort and city convenience, along with access to outdoor recreation, music, culture, and highly rated school districts.
Ideal for Primary Residences
With stable neighborhoods, favorable taxes, and diverse loan options, Tennessee is an excellent state for buyers looking to establish a long-term primary residence.
loan options to meet your unique needs
loan programs
Conventional Loans
Conventional loans are not backed by the government and are one of the most popular loan options for qualified buyers. They offer flexible terms and can be used for primary residences, second homes, and some investment properties.
Read More
Key Features
– Down payments as low as 3% for first-time buyers
– Competitive fixed and adjustable rates
– No upfront government insurance fees
– Option to remove PMI once you reach 20% equity
Eligibility & Guidelines
– Credit score typically 620 or higher
– Debt-to-income ratio up to 45%
– Available for primary residences, second homes, or investment properties
Ideal For
– Borrowers with good credit and stable income
– Homebuyers looking for flexibility and low long-term costs
– Homeowners refinancing for better terms
FHA Loans
Read More
Key Features
– Down payments as low as 3.5%
– Credit scores as low as 580 may qualify
– Competitive fixed rates
– Assumable loans for easier resale
Eligibility & Guidelines
– Must occupy the home as a primary residence
– FHA-approved appraisal and property standards required
– Upfront and monthly mortgage insurance apply
Ideal For
– First-time homebuyers
– Borrowers with limited credit history or smaller savings
– Families looking for affordable entry into homeownership
USDA Loans
Overview
USDA loans offer zero-down financing for homes in eligible rural and suburban areas, helping families enjoy affordable homeownership outside major city limits.
Read More
Key Features
– 100% financing (no down payment)
– Competitive fixed interest rates
– Low mortgage insurance costs
– Flexible credit requirements
Eligibility & Guidelines
– Property must be in a USDA-eligible area
– Income limits apply based on household size
– Primary residence only
Ideal For
– Buyers seeking affordable homeownership in rural or suburban areas
– First-time buyers who meet income and location criteria
Read More
Key Features
– Down payments as low as 3% for first-time buyers
– Competitive fixed and adjustable rates
– No upfront government insurance fees
– Option to remove PMI once you reach 20% equity
Eligibility & Guidelines
– Credit score typically 620 or higher
– Debt-to-income ratio up to 45%
– Available for primary residences, second homes, or investment properties
Ideal For
– Borrowers with good credit and stable income
– Homebuyers looking for flexibility and low long-term costs
– Homeowners refinancing for better terms
Read More
Key Features
– Down payments as low as 3.5%
– Credit scores as low as 580 may qualify
– Competitive fixed rates
– Assumable loans for easier resale
Eligibility & Guidelines
– Must occupy the home as a primary residence
– FHA-approved appraisal and property standards required
– Upfront and monthly mortgage insurance apply
Ideal For
– First-time homebuyers
– Borrowers with limited credit history or smaller savings
– Families looking for affordable entry into homeownership
Read More
Key Features
– 100% financing (no down payment)
– Competitive fixed interest rates
– Low mortgage insurance costs
– Flexible credit requirements
Eligibility & Guidelines
– Property must be in a USDA-eligible area
– Income limits apply based on household size
– Primary residence only
Ideal For
– Buyers seeking affordable homeownership in rural or suburban areas
– First-time buyers who meet income and location criteria
Jumbo Loans
When your dream home requires financing beyond conforming loan limits, Jumbo Loans provide the solution. We offer tailored jumbo financing to help you move forward with confidence.
Read More
Key Features
– Loan amounts exceeding conforming limits
– Competitive interest rates
– Flexible terms and structures
– Options for primary residences, vacation homes, and investment properties
Eligibility & Guidelines
– Strong credit and income required
– Larger down payment often needed (typically 10–20%)
– Appraisal and reserve requirements apply
Ideal For
– Buyers purchasing high-value homes
– Borrowers with complex financial portfolios
VA Loans
VA loans are designed for veterans, active-duty service members, and eligible surviving spouses. With zero down payment and no monthly mortgage insurance, they’re one of the best paths to homeownership for those who’ve served our country.
Read More
Key Features
– 0% down payment
– No private mortgage insurance (PMI)
– Competitive interest rates
– Flexible credit and debt guidelines
Eligibility & Guidelines
– Must have a valid Certificate of Eligibility (COE)
– Must occupy the home as a primary residence
Ideal For
– Veterans and active-duty service members
– Eligible surviving spouses
– Buyers seeking affordable, no-down-payment options
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who prefer to qualify based on rental income instead of personal income. It’s a flexible path for growing your investment portfolio.
Read More
Key Features
– Qualification based on property cash flow
– No tax returns or personal income documentation required
– Suitable for short-term or long-term rentals
– 30-year fixed or adjustable terms available
Eligibility & Guidelines
– Minimum DSCR typically 1.0 or higher
– Down payments around 20–25%
– Minimum credit score around 660
Ideal For
– Investors seeking simpler qualification
– Buyers expanding rental portfolios
Read More
Key Features
– Loan amounts exceeding conforming limits
– Competitive interest rates
– Flexible terms and structures
– Options for primary residences, vacation homes, and investment properties
Eligibility & Guidelines
– Strong credit and income required
– Larger down payment often needed (typically 10–20%)
– Appraisal and reserve requirements apply
Ideal For
– Buyers purchasing high-value homes
– Borrowers with complex financial portfolios
Read More
Key Features
– 0% down payment
– No private mortgage insurance (PMI)
– Competitive interest rates
– Flexible credit and debt guidelines
Eligibility & Guidelines
– Must have a valid Certificate of Eligibility (COE)
– Must occupy the home as a primary residence
Ideal For
– Veterans and active-duty service members
– Eligible surviving spouses
– Buyers seeking affordable, no-down-payment options
Read More
Key Features
– Qualification based on property cash flow
– No tax returns or personal income documentation required
– Suitable for short-term or long-term rentals
– 30-year fixed or adjustable terms available
Eligibility & Guidelines
– Minimum DSCR typically 1.0 or higher
– Down payments around 20–25%
– Minimum credit score around 660
Ideal For
– Investors seeking simpler qualification
– Buyers expanding rental portfolios
100% Financing
Read More
Key Features
– Buyers with strong income but limited savings
– First-time homebuyers
– Certain eligible borrowers
Key Benefits:
– No down payment required
– Reduced upfront costs
– Competitive loan terms
Renovation Loans
Read More
Key Features
– One loan, one closing
– Low down payment options
– Finance cosmetic or structural renovations
– Available for FHA (203k) or Conventional (HomeStyle) borrowers
Eligibility & Guidelines
– Minimum credit score typically 620+
– Licensed contractors required for all work
– Home must be primary residence for FHA; flexible for Conventional
Ideal For
– Buyers purchasing homes needing updates
– Current homeowners refinancing to renovate
One Time Close
Read More
Key Features
· One-Time Close Option – Combines your construction and permanent mortgage into one convenient loan with a single closing.
· Two-Time Close Option – Provides separate loans for construction and permanent financing, giving you more control over final terms and rates.
· Interest-Only Payments During Construction – Pay only for the funds drawn during your build.
· Flexible Program Options – Available for FHA, VA, Conventional, and Jumbo loans.
· Local Montana Expertise – Our team understands local markets, builders, and property types throughout Montana.
One-Time Close vs. Two-Time Close
|
Feature
|
One-Time Close
|
Two-Time Close
|
|---|---|---|
|
Closings
|
One combined closing for construction and permanent financing
|
Two separate closings for added flexibility
|
|
Interest Payments
|
Interest-only during construction
|
Interest-only during construction
|
|
Rate Lock
|
Lock your rate before construction begins
|
Choose a new rate when converting to the permanent loan
|
|
Simplicity
|
One approval, one set of closing costs
|
Flexibility to requalify and adjust loan terms
|
|
Ideal For
|
Borrowers seeking convenience and predictability
|
Borrowers wanting flexibility and control
|
Eligibility & Guidelines
· Available for primary residences, second homes, and select investment properties
· Must use a licensed and approved builder (self-builds may require additional review).
· Minimum down payment and credit score requirements vary by loan program.
· Property must meet appraisal and construction standards.
· Construction periods typically last up to 12 months.
Ideal For
· Borrowers planning to build a custom home.
· Homeowners looking for a simple or flexible financing structure.
· Buyers who want to lock in their rate early or customize loan terms after construction.
Why StonePath Mortgage
At StonePath Mortgage, we’re proud to serve communities with the personal touch of a local lender and the resources of a trusted mortgage partner. Our construction lending specialists provide clear communication, hands-on guidance, and dependable support from blueprint to move-in day—so you can focus on building the home you’ve always envisioned.
Next Steps
Contact StonePath Mortgage today to explore your construction loan options. Our team will help you compare One-Time and Two-Time Close programs, explain qualification details, and create a plan tailored to your build.
Read More
Key Features
– Buyers with strong income but limited savings
– First-time homebuyers
– Certain eligible borrowers
Key Benefits:
– No down payment required
– Reduced upfront costs
– Competitive loan terms
Read More
Key Features
– One loan, one closing
– Low down payment options
– Finance cosmetic or structural renovations
– Available for FHA (203k) or Conventional (HomeStyle) borrowers
Eligibility & Guidelines
– Minimum credit score typically 620+
– Licensed contractors required for all work
– Home must be primary residence for FHA; flexible for Conventional
Ideal For
– Buyers purchasing homes needing updates
– Current homeowners refinancing to renovate
Read More
Key Features
· One-Time Close Option – Combines your construction and permanent mortgage into one convenient loan with a single closing.
· Two-Time Close Option – Provides separate loans for construction and permanent financing, giving you more control over final terms and rates.
· Interest-Only Payments During Construction – Pay only for the funds drawn during your build.
· Flexible Program Options – Available for FHA, VA, Conventional, and Jumbo loans.
· Local Montana Expertise – Our team understands local markets, builders, and property types throughout Montana.
One-Time Close vs. Two-Time Close
|
Feature
|
One-Time Close
|
Two-Time Close
|
|---|---|---|
|
Closings
|
One combined closing for construction and permanent financing
|
Two separate closings for added flexibility
|
|
Interest Payments
|
Interest-only during construction
|
Interest-only during construction
|
|
Rate Lock
|
Lock your rate before construction begins
|
Choose a new rate when converting to the permanent loan
|
|
Simplicity
|
One approval, one set of closing costs
|
Flexibility to requalify and adjust loan terms
|
|
Ideal For
|
Borrowers seeking convenience and predictability
|
Borrowers wanting flexibility and control
|
Eligibility & Guidelines
· Available for primary residences, second homes, and select investment properties
· Must use a licensed and approved builder (self-builds may require additional review).
· Minimum down payment and credit score requirements vary by loan program.
· Property must meet appraisal and construction standards.
· Construction periods typically last up to 12 months.
Ideal For
· Borrowers planning to build a custom home.
· Homeowners looking for a simple or flexible financing structure.
· Buyers who want to lock in their rate early or customize loan terms after construction.
Why StonePath Mortgage
At StonePath Mortgage, we’re proud to serve communities with the personal touch of a local lender and the resources of a trusted mortgage partner. Our construction lending specialists provide clear communication, hands-on guidance, and dependable support from blueprint to move-in day—so you can focus on building the home you’ve always envisioned.
Next Steps
Contact StonePath Mortgage today to explore your construction loan options. Our team will help you compare One-Time and Two-Time Close programs, explain qualification details, and create a plan tailored to your build.
Mortgage Process
01
Conversation
The first step is crucial and sets the stage for your home buying experience. You and your loan officer will discuss your short and long-term financial goals so we can customize a loan strategy fit for you and your family.
02
Application
The goal of completing an application is to gather as much information possible so your loan officer can determine all the available loan programs available.
03
Pre-Qualification
At this stage, your loan officer will share how many homes you can afford, what your monthly payment will be, and how much money you will need.
04
Documents
This is where we need your help! By submitting your income and asset documentation upfront allows us to fly through the underwriting process.
05
Found a Home
Once you find a home and the seller accepts your offer we’ll order an appraisal and begin processing and underwrite your loan.
06
Final Approval
The underwriter reviews the appraisal, and your income/asset documents to verify you meet all the
conditions for final approval.
07
Closing day
Our in-house closing department works with the attorney to assemble the final paperwork. Everything we do leading up to this point ensures a smooth and exciting experience.
mortgage
calculator
Brandon Polito
Producing Regional Manager
NMLS #685232
214 Overlook Circle Office 209
Brentwood , TN 37027
Cel: 615.479.4428
Licensed in Tennessee and Texas
