Clear To Close Starts Here!

Certified Mortgage Advisor in Smyrna, Tennessee

25 Years. 200+ Lending Partners. A Clear Path to Homeownership.

I've spent 25 years closing mortgage loans in Middle Tennessee, and every single one started the same way: somebody told me what they were trying to accomplish, and I found the financing to make it happen.

That's what I do. I'm Frank Burks II, a Certified Mortgage Advisor and Branch Manager of The Burks Lending Group empowered by NEXA Lending, based right here in Smyrna, Tennessee. I serve homebuyers, families, veterans, self-employed professionals, and real estate investors across the entire Middle Tennessee region.

I'm not a bank. I don't have one product shelf and one set of rates. I work with 200+ wholesale lending partners, which means when you bring me your situation, I'm shopping across the market to find a competitive rate, the right terms, and the best-fit program for YOUR situation. When one lender's guidelines don't fit your scenario, I move to the next one. When rates shift, I know which partners are pricing best that week. When your file has a wrinkle that would stop a bank in its tracks, I find the lender that gives you the best shot.

That's not a sales pitch. That's how a wholesale broker works for you instead of the other way around.

Programs That Open Doors

Whether you're buying your first home, upgrading, refinancing, or building a rental portfolio, I have the tools to get you there:

First-Time Homebuyers and Move-Up Buyers FHA financing with down payments as low as 3.5%. Conventional loans with competitive rates for strong credit. Multiple down payment assistance programs that can cover part or all of your down payment, depending on eligibility, with forgivable options and true grants. Some of my buyers close with little to nothing out of pocket.

Veterans and Active Military VA loans with zero down payment, no monthly mortgage insurance, and rates that often come in lower than conventional. I work with VA lenders that have more flexible credit requirements than most. If you've served, your benefit is one of the most powerful homebuying tools in existence. Let's make sure you're using every part of it.

Self-Employed Borrowers Bank statement loans that use 12 to 24 months of your actual deposits instead of tax returns. 1099 programs. Asset-based qualification. If your tax returns don't tell the real story of your income, I have programs that look at the real numbers.

Real Estate Investors DSCR loans that qualify based on the property's rental income, not your personal income. No W-2s, no tax returns, no cap on property count with many of our lending partners. Close in an LLC. Cash-out refinance to fund your next acquisition.

USDA Zero-Down Financing Large parts of Middle Tennessee qualify for USDA loans with zero down payment and lower mortgage insurance than FHA. I check the eligibility map for every buyer because the boundaries cover more territory than most people expect.

Construction and Specialty Loans One-Time Close construction financing. Jumbo loans for higher-value properties. ITIN loans. More situations have a path forward than most people expect when you have the right broker in your corner.

Serving All of Middle Tennessee

I work with buyers and investors in Nashville, Smyrna, Murfreesboro, La Vergne, Lebanon, Antioch, Shelbyville, Tullahoma, Gallatin, Hendersonville, Mt. Juliet, Franklin, and every community in between. My office is in Smyrna, but my reach covers the entire region.

Clear to Close Starts Here.

My goal is the same on every file: close on time, communicate clearly, and make sure you know exactly where things stand from application to closing day. No guesswork. No last-minute surprises. Just straight talk and a clear process.

$150 million+ in loans funded. 97% client satisfaction rate.

Ready to find out where you stand? Call me at (615) 364-5700 or start your Secure Application today.

Everybody deserves a key. Let's get you yours.

Frank Burks II | Certified Mortgage Advisor | Branch Manager | NMLS #841644 | (615) 364-5700