“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.
Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.
Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”
Mortgage Broker in Franklin & Brentwood for Jumbo Non-QM Loans
LendFriend is a mortgage broker serving Franklin, Brentwood, College Grove, and the rest of Williamson County. We compare jumbo rates and guidelines from more than 40 wholesale lenders for business owners, retirees, executives, and buyers of estate and golf course homes.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Franklin and Brentwood
Jumbo loans account for a large share of the mortgages we arrange at LendFriend Mortgage. We finance high-value homes across Williamson County, including primary residences, second homes, and investment properties. Buyers bring us purchases such as a Westhaven home in Franklin, an estate in Brentwood's Governors Club, or a golf residence at The Grove in College Grove. Each Williamson County loan is priced against more than 40 wholesale lenders. Many relocating families weigh Franklin against Belle Meade and Green Hills in Nashville, and we arrange jumbo loans in Tennessee for either choice.
Our jumbo programs include 30-year fixed mortgages, adjustable-rate mortgages (ARMs), and Non-QM loans for borrowers whose income or assets do not match traditional guidelines.
More Than a 30-Year Fixed Jumbo Loan
In Williamson County, a 30-year fixed rate is one of several sound ways to finance a jumbo purchase. Executives on a relocation assignment and owners who plan to refinance or sell within a few years may consider a jumbo ARM. 5/1 and 7/1 adjustable-rate mortgages usually carry a lower opening rate, and the monthly payment falls with it.
We help Franklin and Brentwood buyers compare each structure against the years they expect to own the home, the loan amount, and their financial goals.
Jumbo Loans for Self-Employed and Retired Buyers
Williamson County is home to many founders, physicians, and executives whose pay does not arrive on a W-2. Business owners, retirees, and high-net-worth buyers may hold large balances and steady cash flow while showing less taxable income than a conventional jumbo lender asks for.
Several jumbo loan options exist for these buyers, including:
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Bank statement loans under which eligible Williamson County business owners and self-employed buyers qualify on 12 or 24 months of deposits, with no tax returns in the file
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Asset depletion loans that count investment and retirement balances as qualifying income for eligible retirees and high-net-worth borrowers
With either loan, a Williamson County borrower may reach a higher loan amount and leave existing finances untouched.
Competitive Jumbo Rates and Loan Options
A small difference in rate or terms adds up to a meaningful sum on a seven-figure mortgage. We compare jumbo lenders for Williamson County buyers across loan sizes, down payments, property types, and borrower profiles.
Before recommending a loan, we study loan-to-value, reserves, credit, income, assets, and the expected holding period for each Franklin or Brentwood purchase.
Fast Jumbo Closings for Franklin Homebuyers
Desirable homes in Brentwood and downtown Franklin can go under contract within days of listing. Our team works with buyers, real estate agents, title companies, appraisers, and lenders through each step of the transaction. Many jumbo loans we arrange in Williamson County can close in as little as 14 days.
A shorter timeline may help Franklin and Brentwood buyers write a stronger offer without giving up competitive financing.
Loan Programs To Suit Every Williamson County Borrower's Needs!
LendFriend arranges jumbo loan options through more than 40 wholesale lenders for buyers who need more flexibility than one bank can offer. Qualified Williamson County borrowers can choose among bank statement loans, asset depletion loans, crypto mortgages, and the other programs below.
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Asset Depletion Loans in Franklin
Qualify for a home purchase on your investment balances with an asset depletion mortgage. Balances in brokerage accounts, retirement funds, and savings may all enter the income calculation. The loan suits high-net-worth buyers in Brentwood and College Grove who live on portfolio income and not a salary.
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Self Employed Mortgages in Franklin
Business owners often report less taxable income than they earn. We arrange self employed mortgage options that qualify on business or personal deposits in place of tax returns and W-2s. These loans serve owners and independent professionals in Franklin, Brentwood, Nolensville, and Thompson's Station.
Crypto Mortgages in Franklin
Buy a home on your digital asset holdings without selling a coin through a crypto mortgage. A borrower with sufficient Bitcoin and Ethereum balances may qualify with no employment income. Long-term holders buying in Franklin or Brentwood can finance up to $5M through a jumbo crypto mortgage.
RSU Mortgages For Corporate Employees in Franklin
Stock compensation is common in Williamson County, and vested Restricted Stock Units can count as mortgage income with no sale of shares. Under our RSU mortgage program, vested stock grants are added to base salary when income is calculated. Equity-compensated professionals at employers such as Tractor Supply in Brentwood and Community Health Systems and Acadia Healthcare in Franklin may qualify for a larger loan.
Buy Before You Sell in Franklin
Williamson County owners can purchase their next home ahead of a sale through our Buy Before You Sell program. The funds come from a bridge loan backed by the equity in the departing residence. Eligible owners may use the equity in their present home for the down payment and make an offer with no sale contingency. The sale can then follow on its own schedule.
Jumbo No-Ratio Loans in Franklin
With a no-ratio loan, the lender calculates no debt-to-income ratio on a primary residence above the conforming limit. Credit, equity, reserves, and mortgage history carry the approval. Owners in Franklin with wealth in real estate or a closely held business may qualify.
Straightforward Qualification That Works for Buyers in Franklin, Brentwood and College Grove
Buyers regularly ask what it takes to qualify for a jumbo loan in Franklin, Brentwood, College Grove, or Thompson's Station. Our first conversation with a Williamson County buyer covers those requirements in full.
Transparent income, credit & DTI guidelines
We list each jumbo loan requirement up front, including credit score, documentation, and debt-to-income ratio, so you can budget for the purchase accurately.
Flexible solutions for self-employed professionals and retirees
Lenders in our network accept more than a W-2 salary as proof of income. We arrange self-employed jumbo loans and asset depletion loans in Tennessee for Williamson County entrepreneurs, investors, and retirees. Many of them finance high-value homes in Leiper's Fork, Arrington, and the golf communities of College Grove.
Ready When You Are – Let's Get Started
We structure jumbo mortgages for buyers of a Leiper's Fork farm, a Governors Club estate, a Westhaven home, or a golf residence at Troubadour. Williamson County programs span 10% down jumbo loans for strong files and specialty Non-QM solutions for self-employed and retired buyers.
Apply for a jumbo loan online today or call a loan officer who knows Williamson County. We will compare current jumbo mortgage rates in Tennessee, explain how a jumbo loan differs from a conforming mortgage, and outline each step to closing. Many jumbo loans in Franklin, Brentwood, College Grove, and Thompson's Station close in as little as 14 days.
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Jumbo Non-QM Loan Examples for Franklin and Brentwood Buyers
Founders, executives, retirees, and homeowners in Williamson County often combine a large loan amount with income that is difficult to document. The scenarios below are illustrative examples of how jumbo asset depletion loans in Tennessee, bank statement loans, and jumbo no-ratio loans can be structured. Lenders offer the jumbo no-ratio loan for a primary residence only, and never for a second home or rental.
$2.6M Asset Depletion Loan in College Grove
A retired couple buying a $3.8M home at Troubadour in College Grove prefers to leave a $9M portfolio invested. A jumbo asset depletion loan can count brokerage and retirement balances as qualifying income for a $2.6M mortgage. The purchase can close with the planned $1.2M down payment and no sale of securities.
$2.4M Cash-Out Asset Depletion Loan in Brentwood
A retired physician owns a $4M home in Brentwood's Governors Club with a $900,000 mortgage and wants cash to help two children buy homes. A jumbo asset depletion loan can qualify a $2.4M cash-out refinance on a $6M portfolio of brokerage and retirement accounts. The new loan equals 60% of value and can deliver about $1.5M in cash before closing costs.
$2.3M Cash-Out Bank Statement Loan in Arrington
The owner of a logistics company holds a $3.3M home in Arrington with a $1.1M mortgage and wants capital to expand the business. A jumbo bank statement loan can qualify a $2.3M cash-out refinance on 24 months of business deposits, with no tax returns. The loan sits near 70% of value and can release about $1.2M in cash.
$3M No-Ratio Loan in Franklin
An entrepreneur buying a $5.5M primary residence near Leiper's Fork in Franklin keeps most of his wealth in a private company. A jumbo no-ratio loan, which lenders write for a primary residence only, can provide a $3M mortgage on the strength of equity, credit, and mortgage history. He funds the remaining $2.5M in cash, and the lender does not calculate a debt-to-income ratio.
Jumbo Mortgage Options Beyond Franklin and Brentwood
Williamson County buyers frequently own or shop for property in a second market. Some are moving for work, some want a vacation home, and others split the year between two states. We arrange jumbo financing in many of the states these buyers choose.
Across Tennessee, we finance higher-priced homes from Franklin and Brentwood to Nashville, Knoxville, Chattanooga, and the Smoky Mountains. Our jumbo loans in Tennessee cover luxury primary residences, second homes, and investment properties statewide.
Beach homes take many Middle Tennessee families to Florida, especially 30A, Destin, and Rosemary Beach on the Emerald Coast. Others look farther south to Naples or to Tampa Bay and the Pinellas County beaches. Mountain buyers consider North Carolina communities such as Asheville and Lake Toxaway.
We also work with buyers moving between Williamson County and other corporate centers, including Atlanta, Dallas, and Austin. Many households arrive from California and Illinois and finance a Tennessee purchase while they still own a home there.
Whether the next purchase is in Franklin, on the Gulf Coast, or in another state, we can help you review jumbo mortgage options before you make an offer.
BORROWER TESTIMONIALS
See Why Jumbo Borrowers Choose LendFriend Mortgage
See how homebuyers across the country have worked with LendFriend Mortgage to navigate larger loan amounts, complex income, and jumbo mortgage financing.
★★★★★
“Eric is my go to guy for all lending needs. This is my third time with Lendfriend and will be back for future purchases and refi!”
“The team at LendFriend made buying our home in Florida so easy. We had an expiring lease and LendFriend was able to move very quickly to get us closed in under 30 days before the lease ended.
They also got us a great rate on a jumbo loan and were available day and night to answer all of our questions. If you’re looking for a mortgage broker that makes the process stress-free while still getting you a great rate, you have to call LendFriend.”
“We had a great experience working with LendFriend, specifically, Michael and team. They were responsive, knowledgeable, and professional throughout the entire process. Communication was clear, and they made everything feel smooth and easy.”
“LendFriend is the absolute best. I found them after I was denied by a lender due to an appraisal issue. I spoke with dozens of lenders, but LendFriend was the only one that could figure out a solution.
They were able to close my jumbo loan in less than 3 weeks and hit my closing date. If you need a lender to step in and save the day, call LendFriend!”
“The staff from my new favorite mortgage company Lendfriend is the best experience I’ve ever had from any lending organization...Their customer Service was very attentive and always prepared to assist me in every way...Ask for Eric !!”
FAQs – Getting a Jumbo Loan In Franklin and Brentwood
What loan amount qualifies as a jumbo loan in Williamson County, Tennessee?
In Williamson County, the 2026 conforming loan limit for a one-unit property is $1,029,250. Any mortgage larger than this amount is a jumbo loan.
The 2026 limits for Williamson County appear below, and Maury County shares them.
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Single-unit property: $1,029,250
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Two-unit property: $1,317,650
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Three-unit property: $1,592,700
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Four-unit property: $1,979,350
Homes in Franklin, Brentwood, College Grove, and Arrington regularly sell above these thresholds, so jumbo mortgages are a routine form of financing in the county.
How much can I borrow with a jumbo loan in Franklin or Brentwood?
Well-qualified buyers can obtain jumbo loans in Tennessee for several million dollars. Credit score, loan-to-value ratio, and reserves determine the amount a Williamson County buyer is approved for. Higher scores and larger reserves usually bring lower jumbo rates and better terms.
Do jumbo loans in Franklin and Brentwood require perfect credit?
Jumbo approval does not depend on a perfect score. Scores of 750 and higher receive the strongest jumbo pricing from most lenders. Borrowers with lower scores may still qualify when the file shows a larger down payment or substantial liquid assets.
Can I get a jumbo loan in Williamson County if I am self-employed or have complex income?
Yes, self-employed and complex-income borrowers can qualify. Our Jumbo Non-QM programs for Williamson County include bank statement loans and asset depletion loans. Business owners, consultants, and retirees buying in Franklin or Brentwood may qualify without W-2s or traditional tax returns. The choice between an asset depletion loan and a bank statement loan depends on whether deposits or account balances better support the payment. Loan amounts on jumbo bank statement loans run as high as $7M.
What property types are eligible for jumbo financing in Williamson County?
Jumbo financing in Williamson County is available on single-family homes, condos, townhomes, and 2–4 unit properties. We arrange jumbo financing for a Governors Club estate, a Westhaven home, a historic residence in downtown Franklin, or a Leiper's Fork property with acreage. Homes on large acreage can take longer to appraise because comparable sales are fewer.
How do jumbo loan interest rates in Williamson County compare to conventional rates?
Jumbo rates in Williamson County are often comparable to conventional rates and can be lower. Lenders compete for strong jumbo borrowers in established markets such as Brentwood and Franklin.
Is an adjustable-rate mortgage a good option for a jumbo loan in Franklin or Brentwood?
For many Williamson County buyers it may be, and the expected years of ownership decide the matter. The rate on a 5/1 or 7/1 jumbo ARM stays fixed for five or seven years, and the starting rate is often lower than a 30-year fixed. Corporate relocations bring many executives to Franklin and Brentwood for a few years, which is one reason ARMs have come back for jumbo borrowers. The decision turns on the holding period, and each buyer should weigh whether an ARM works with a sale planned.
How much equity can I access with a jumbo cash-out refinance in Franklin or Brentwood?
On a Williamson County cash-out refinance, lenders evaluate credit, reserves, and the appraisal. The ceiling is commonly about 80% of value on a primary home, and it drops on very large loans. Owners in Brentwood, Franklin, and Nolensville can draw on their equity with a jumbo cash-out refinance. A new, larger jumbo loan pays off the existing mortgage and delivers the remainder in cash. Williamson County homeowners with VA entitlement may be able to borrow a higher share of value through a VA cash-out refinance or a VA jumbo cash-out refinance. Both VA options come with no monthly mortgage insurance.
Is a VA loan an option for a jumbo purchase in Franklin?
Eligible veterans and active-duty service members may be able to use a VA loan above the conventional limit in Williamson County. A VA jumbo loan may require $0 down and carries no monthly PMI. For borrowers with full entitlement, VA jumbo loans may have no fixed loan limit.
Can I refinance a jumbo loan in Williamson County?
Yes, a jumbo loan can be refinanced like any other mortgage. A jumbo refinance can lower the rate, move an ARM to a fixed loan, or release equity from a high-value home. Business owners may also consider a self-employed cash-out refinance that qualifies income from deposits.
What can I do if a bank denied my jumbo loan in Franklin or Brentwood?
One bank's denial often reflects its own overlays and says little about whether the borrower can qualify elsewhere. Bonus income, RSUs, business income, and large asset balances are each handled differently from one wholesale jumbo lender to the next. As a broker, we can redirect a declined Franklin or Brentwood file to a lender whose guidelines fit it. Buyers already under contract have several ways to proceed after a jumbo loan is denied.
How much do I need to put down on a jumbo loan in Franklin or Brentwood?
Most jumbo lenders require 10% to 20% down on a primary residence in Williamson County. The smallest down payments are reserved for borrowers with the strongest credit and reserves, and second homes and investment properties usually need more. A Williamson County owner adding a mountain home in Highlands or Cashiers, North Carolina should plan for the second-home down payment. Underwriters also look at the reserves a Franklin or Brentwood buyer holds once the purchase closes. Minimums vary by program, and jumbo and Non-QM mortgage down payments depend on credit, occupancy, and loan size.
Why Choose LendFriend?
LendFriend Mortgage has made jumbo lending a core specialty of the firm. Each Williamson County borrower is paired with a jumbo lender chosen for the property, the financial profile, and the goal of the loan. Our fees are disclosed up front, and the process is built for speed. We arrange 30-year fixed loans, 7/1 ARMs, and flexible Non-QM options for buyers throughout Williamson County.
Around the Clock
We are available 7 days a week to compare jumbo mortgage rates and lender options. Financing is available in Williamson County for primary homes, second homes, and investment properties.
Loan Options
Franklin and Brentwood buyers can choose conventional fixed rates, ARMs, bank statement loans, or asset depletion loans. We recommend a program based on each borrower's income, assets, and plans for the home.
Get Pre-Approved Quickly
A jumbo preapproval shows a seller that the buyer can close on a higher-priced property. You can apply for a jumbo loan online in a few minutes.
Competitive Rates with No Points
We shop multiple jumbo lenders for competitive rates on your profile, with no unnecessary points or hidden charges.
Personalized Mortgage Guidance
You work directly with a jumbo mortgage expert who explains the options, prepares the file for approval, and follows it through underwriting.
Close in as little as 14 days
Our process is built for larger transactions. Many jumbo loans close in as little as 14 days in Franklin, Brentwood, College Grove, and Thompson's Station