LoanSome Dough

LoanSome Dough Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from LoanSome Dough, Digital creator, Knoxville, TN.

Your Favorite Loan Officer ❤️
On a Mission to Make Mortgage Easy(er)
NMLS #2464939

Book a call here 👉
https://link.theradcrm.com/widget/bookings/lets-chat-loans

04/08/2025

Feelin' like Snow White out here 🤣

03/31/2025

I know no one actually *wants* a mortgage.

BUT knowing what you qualify for and making sure those payments work for your lifestyle is pretty important.

Make sure you (and your clients) know the numbers before you go shopping. 😉

I remember talking to a business owner who has $2 MILLION dollars in his bank account but because of his tax returns the...
03/27/2025

I remember talking to a business owner who has $2 MILLION dollars in his bank account but because of his tax returns the bank wouldn't give him a mortgage.

Can you believe that? 🤯

The good news is there are programs designed for this exact situation.

We base your approval on your bank statements instead of your tax returns.

So if you or someone you know is in that boat, writing allll the things off. Book a call to learn more!

https://link.theradcrm.com/widget/bookings/discoverloansomedough

Whether you get some seller concessions so you can take care of the repairs on your own or the seller agrees to fix them...
03/18/2025

Whether you get some seller concessions so you can take care of the repairs on your own or the seller agrees to fix them, all of that is part of the negotiation process!

03/17/2025

So you've been looking for:
✔️ New Construction
✔️ $300's
✔️ South Knox

THIS IS YOUR SIGN to give my friend Heidi a call and go check out Chapman Trace!

Now for the adulting stuff 👇
This is not a guarantee to lend. You've got to qualify.
Your debt-to-income and credit score are HUGE factors when it comes to interest rates. These scenarios are based on 640 credit score.

Book a discovery call to chat about YOUR situation 😉

80 freakin' points y'all! 🤯This is why we pull credit. FYI - soft pulls are awesome when you're in the planning stages o...
03/17/2025

80 freakin' points y'all! 🤯

This is why we pull credit.

FYI - soft pulls are awesome when you're in the planning stages of home buying BUT I've heard stories about bankruptcy not showing on a soft pull. So if that's the route you want to go I would HIGHLY recommend asking your lender if you can review it to make sure it's as up to date as possible to minimize any surprises down the road! 😉

03/17/2025

Could swap mortgage license for real estate license...

All we can do is pray for 'em 🙏

There is SO MUCH fake news out there about this. Let's just clear this up...here are some minimum down payments dependin...
02/25/2025

There is SO MUCH fake news out there about this.

Let's just clear this up...here are some minimum down payments depending on the program.

USDA = 0%
VA = 0%
FHA = 3.5%
Conventional = 3% for FIRST TIME HOME BUYERS
Conventional = 5%

There's a sweet spot when it comes to money down vs. monthly payments. Let me help you find yours 😉

02/20/2025

If you didn't know once you're under contract and your file has been submitted your credit is being monitored.

Big Brother style.

My advice…HOLD until after closing. 😉

Just sayin' 😉
02/20/2025

Just sayin' 😉

02/19/2025

Story time…

From the time I initially talked to this gal to when she went under contract, rates improved just enough to get her an extra $500 in lender credit.

Which means she gets to keep that in her pocket. 🎉

Let’s be real.
It doesn’t always play out like that though.

Last year when rates popped up the opposite happened.

If you didn’t know interest rates move daily (sometimes multiple times a day!) so work with someone who finds the best deal for your particular situation and then keep and eye on when it makes sense to refi. 😉

This sweet family put offers in on a few different properties. Then the perfect place came on the market down the road f...
02/18/2025

This sweet family put offers in on a few different properties.

Then the perfect place came on the market down the road from their daughter and grandbaby! 🙌 Now they'll be EIGHT minutes away. Talk about some happy grandparents ❤

02/14/2025

Happy Valentine's Day!!! ❤

Here's my number in case you need it 😉
865-424-7997

02/13/2025

You maybe wondering 'Roxy, why would I need to tell you if I start a new job the day after closing?' 🤔

Because someone from the lender is going to call your *current* employer before the closing to make sure you're still employed.

So if they call and HR says 'well yeah, Billy Bob works here NOW but they put their notice in last week' then we're going to have to scramble to figure everything out and get docs from your new employer.

Which will definitely cause stress and could delay your closing OR worse depending on how your paid, could mean we can't close at all. 😬

That's why it's so important to talk to your mortgage pro so that we can help you plan things out.

Good news for Billy Bob, they got a $25,000 increase in their salary so we're still clear to close 👏

I know this doesn't make sense but hang with me. 🤔When we pull your credit, THAT is the snapshot we use for all our calc...
01/16/2025

I know this doesn't make sense but hang with me. 🤔

When we pull your credit, THAT is the snapshot we use for all our calculations.

👉 Let's say something needs to be paid off at closing, we're using the balance on the credit report.

So if you're a go getter and pay it off BEFORE closing, we'll need updated statements AND a credit supplement from the credit report company.

Which of course we'll help you with, it's just another document you have to get.

I know it can feel like we're asking for everything but your blood type 🤣 so anytime we can simplify the process that's what we're going for....

Of course you'll look like a baddie on your bike BUT for the love of all things holy please wait until after we close. 🙏
01/14/2025

Of course you'll look like a baddie on your bike BUT for the love of all things holy please wait until after we close. 🙏

Address

Knoxville, TN

Telephone

+18652973650

Website

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