Business Details
39 Years
experience
Your Trusted Mortgage Partner in Cordova, TN
At Community Mortgage, we have dedicated ourselves to simplifying the home financing process for residential home buyers since 1987. Our nearly four decades of experience enable us to provide personalized mortgage solutions tailored to each client's unique needs. As a locally rooted organization, we prioritize in-house decision-making and maintain a steadfast commitment to customer care. Our team of experienced loan officers guides clients through every step, offering strong pre-approval letters and custom financing options designed to streamline the path to homeownership. We distinguish ourselves through our deep understanding of the mortgage process, having successfully navigated thousands of transactions while maintaining a focus on local market expertise.Our innovative approach, pioneered by founder L. Patrick Sandlin, combines technological efficiency with personalized service to deliver reliable financing solutions. We emphasize transparency throughout the process, ensuring clients receive clear communication and comprehensive support from application to closing. Our track record of satisfied clients, evidenced by numerous testimonials, reflects our dedication to making homeownership accessible and stress-free. We maintain strict adherence to ethical lending practices while continuously adapting to evolving industry standards. Our physical presence in Cordova, Tennessee, underscores our commitment to serving both local and long-distance clients with equal dedication.
Services
Mortgage Loans
Pre-Approval Process
Refinancing Options
Home Financing
Loan Officer Assistance
Details
- Year established: 1987
Highlights and features
- We've provided mortgage solutions for nearly 40 years
- Local decision-making ensures faster, more tailored service
- Your loan stays with our team from application to closing
- We offer personalized support from experienced loan officers
- Our team has processed thousands of successful transactions
Associations and certifications
- NMLS #77047
What people say
Smoothest process
Excellent treatment
Quick and efficient
Trusted partner
Stress-free experience
Services
Mortgage Loans
Community Mortgage offers comprehensive mortgage loan solutions tailored to individual financial situations. Our experienced team helps clients navigate conventional, FHA, VA, and USDA loan options while providing expert guidance on down payment requirements and interest rate selection. We streamline the application process through digital tools while maintaining personalized support throughout the transaction.
Pre-Approval Process
Our streamlined pre-approval process gives homebuyers a competitive edge in the market. We verify financial credentials and assess borrowing capacity to provide strong pre-approval letters that demonstrate buyer readiness to real estate agents and sellers. This service includes document review and credit assessment to establish clear budget parameters for home shopping.
Refinancing Options
We provide customized refinancing solutions to help homeowners reduce monthly payments, shorten loan terms, or access home equity. Our team evaluates current market conditions and individual financial goals to determine optimal refinancing strategies. This service includes rate-and-term refinancing and cash-out options for qualified borrowers.
Home Financing
Our home financing solutions cover purchase transactions from initial offer to closing. We offer competitive rate locks, flexible underwriting guidelines, and specialized programs for first-time homebuyers. Our local loan officers provide market-specific insights to help clients make informed decisions about their largest financial investment.
Loan Officer Assistance
Dedicated loan officers provide personalized support throughout the mortgage journey. From initial consultation to closing, our professionals offer expert advice on documentation requirements, credit preparation, and loan program selection. This service includes ongoing communication to address questions and ensure timely processing at every stage.
People
L. Patrick Sandlin
Founder
Founder of Community Mortgage with over 35 years in the mortgage industry, bringing banking expertise and innovative approaches to home financing solutions.
Will Sandlin
Loan Officer
Experienced loan officer with deep local market knowledge, helping clients navigate mortgage options and closing processes in Shelby County.
Scott Smith
Loan Officer
Dedicated mortgage professional providing personalized support to homebuyers, recognized for exceptional client service and communication skills.
Questions
What mortgage loan options do you offer?
We offer conventional, FHA, VA, USDA loans, and refinancing options with competitive rates tailored to individual financial situations.
How does the pre-approval process work?
Our pre-approval process verifies your financial credentials to determine loan eligibility, providing a strong pre-approval letter for home shopping.
What documents are needed for a mortgage application?
Typically requires proof of income, tax returns, bank statements, and identification - our team guides you through specific requirements.
How long does mortgage approval take?
Most approvals complete within 30 days, with our local decision-making process often expediting timelines compared to larger institutions.
Do you offer refinancing options?
Yes, we provide rate-and-term refinancing and cash-out options to help homeowners reduce payments or access equity.
Why choose a local mortgage lender?
Local lenders like us offer personalized service, faster decision-making, and better understanding of regional housing markets compared to national banks.