Do not use! I wish I could give this lender 0 stars. Chris Payne with the Homestead Funding office in Gallatin. TN recently changed the loan terms for the buyer on our house right before it was scheduled to close. They worked with him for over 2 months and planned to put 10% down. He delayed closing for over 2 weeks beyond the contract and then when he finally set a date, we (and the buyers/his clients) found out the day of closing that he was requesting an additional 5% down. This killed the deal, we lost our rate lock and are starting back at square one because of his lack of communication and shady business practices. Both agents involved had a hard time getting him to return calls or provide straightforward answers. I contacted him via email when I found out the deal was in trouble on the day of our scheduled closing and he called me at 11:14 pm to demand I visit his office the following morning and tried to intimidate me to prevent me from filing a complaint. I know every situation has 2 sides, but he is not someone you want to deal with. I have never dealt with a more incompetent or rude professional in my life and I hope this review saves someone else from heartbreak. We are not new to buying or selling and this has been the worst experience by far. There are many great lenders out there, but this office isn't one of them.
1400 18th Ave SNashville, TN 37212