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…Thank you for visiting my online mortgage site. I provide home loans for both first-time and experienced home buyers. My goal is to take the weight of the home loan process off your shoulders and place it reliably on mine. As a professional home loan consultant, I would love the opportunity to help you.

Please understand my website will never take the place of a personal conversation. Call, email or text me at any time with any questions.

The main things involved in being approved for a home loan are:


Checking your credit is a quick process. You can call me at 931-307-5540 or complete the online secure, no obligation application and we can review your credit immediately.


I will calculate your gross montly income, review your monthly payments and determine how much of a monthy house payment you qualify for.


Most every property will be accpetable for a home loan. 

ZERO DOWN is available-

With a USDA Rural Development Home Loan Program --

Click on this banner for all the information:

Purchasing a new home?

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. I can help!

Applying for a loan?

Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. Check it out ! .

Just looking for advice? 

Have questions or concerns about buying, selling, financing or re-financing your home? Get in touch with me today by phone or email. I will do my absolute best to advise and counsel you regarding home loan options.

 Talk to you soon,

Heather Phillips

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Contact Information
Heather Phillips
Loan Officer, NMLS#1535459
Direct: (931) 307-5540
Office: (931) 954-5560
Fax: (615) 893-9824
Email: Send Email
Heather Phillips, Loan Officer, NMLS#1535459 NMLS #1535459
First National Mortgage Services LLC, NMLS #719247
304 North Spring Street, Manchester, TN  37355
Direct:  (931) 307-5540
Office:  (931) 954-5560
Fax:  (615) 893-9824
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