Your Home Loan,
Understood from Day One
Whether you're buying your first home or refinancing, Michelle Wilson guides you through every step — no jargon, no pressure, just a plan that fits your life and budget.
Mortgage solutions built
around your goals
Every homebuyer's situation is different. We offer a full range of loan programs and expert guidance so you can find the right path — whatever that looks like for you.
First-Time Home Buyers
Buying your first home is exciting — and complicated. We walk you through down-payment assistance, FHA and conventional options, and every document you'll need with patience and clarity.
Learn moreRefinancing
Lower your rate, shorten your term, or cash out equity — we analyze your current loan and the market to show you exactly what refinancing could do for your monthly payment and long-term savings.
Learn moreJumbo & Custom Loans
Higher-priced homes need specialized financing. We structure jumbo loans and non-QM programs that fit unique financial situations — self-employed, asset-rich, or international buyers.
Learn moreVA & Military Loans
You served — now let us serve you. Zero down payment, no PMI, and competitive rates for veterans, active-duty service members, and qualifying spouses.
Learn moreConstruction & Renovation
Building custom or renovating? We offer construction-to-permanent loans and renovation financing that covers your project in one smooth closing.
Learn moreConsultation & Planning
Not ready to apply yet? That's fine. Book a no-obligation consultation and we'll review your finances, explain your options, and help you build a timeline that works for your life.
Learn more
A lender who actually
listens
I've been helping families in Hendersonville and the greater Middle Tennessee area find their way into homeownership for over 15 years. I started in this business because I remember how overwhelming the mortgage process felt when I bought my first home — too many acronyms, too many assumptions that I should already know the answers.
That's why I do things differently. Every client gets direct access to me — not a call center, not a bot. I explain each step in plain language, answer every question (yes, even the ones that feel silly), and keep you informed from pre-approval to closing day.
At CMG Home Loans, we're not here to push you into a loan you don't need. We're here to find the right fit for your situation and walk with you until you hold the keys.
Every path to
homeownership
We work with conventional, government-backed, and specialty loan programs so you always have options — even if you think you don't qualify.
Conventional Loans
Flexible terms, competitive rates, and as little as 3% down for qualified buyers. No mortgage insurance with 20% down.
- 3%–20% down payment options
- Fixed & adjustable rates
- No FHA mortgage insurance
FHA Loans
Backed by the Federal Housing Administration, these loans accept lower credit scores and smaller down payments — starting at just 3.5%.
- 3.5% minimum down payment
- More flexible credit requirements
- Assumable loan option
VA Loans
Available to veterans, active-duty service members, and eligible spouses. No down payment, no PMI, and some of the best rates in the market.
- 0% down payment required
- No mortgage insurance
- Flexible credit guidelines
USDA Loans
Zero-down financing for eligible rural and suburban homebuyers in qualifying areas — including parts of Hendersonville and surrounding communities.
- 0% down payment
- Below-market interest rates
- Income-eligible areas
Jumbo Loans
For properties that exceed conventional conforming loan limits. We structure jumbo loans with competitive terms tailored to your financial picture.
- Loan amounts above conforming limits
- Customizable terms
- Competitive rate structures
Non-QM Loans
Self-employed, asset-rich, or international buyers — traditional programs don't always fit. Non-QM loans offer alternative documentation and flexible underwriting.
- Alternative income verification
- Asset-based qualification
- Non-traditional credit history
From first call to
closing day
We've simplified the mortgage process into four clear steps so there are no surprises — just steady progress toward your new home.
Free Consultation
We start with a no-pressure conversation. Tell me where you are — what you're looking for, your budget, your timeline — and I'll map out which loan programs make the most sense for your situation.
Pre-Approval
Once we choose the right program, I'll gather the documents you need and submit your application. Most pre-approvals are completed within 24–48 hours, so you can shop with confidence.
Loan Processing & Underwriting
After you find a home, we move into processing. I keep you updated at every stage — appraisal, title work, underwriting — and address any questions before they become worries.
Closing & Congratulations
On closing day, we review every document together so you know exactly what you're signing. Then you walk out the door with your keys — and a lender you can call for years to come.
What our clients
say about us
Michelle made what we thought would be a terrifying process feel completely manageable. She answered every email within the hour, explained each document in plain English, and we closed two weeks ahead of schedule. We couldn't have asked for a better experience.
As a veteran, I knew I was eligible for a VA loan but had no idea where to start. Michelle walked me through the entire process, helped me understand my benefits, and got me a rate I didn't think was possible. She genuinely cares about her clients.
We refinanced our home during a really stressful time, and Michelle was incredibly patient and thorough. She found us a lower rate that saved us hundreds per month and explained every option without any pressure. I recommend her to everyone I know.
Your dream home is closer than you think
Whether you're just beginning to explore homeownership or you're ready to apply, I'm here to help. Reach out for a free, no-obligation consultation — we'll figure out the best path together.
Let's talk about
your home loan
Have questions? Want to explore your options? Reach out anytime — I respond to every inquiry personally, usually within a few hours.
Hendersonville, TN 37075-3929
Saturday: By appointment
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