Meet Steffen Cushing A Decade In Mortgage Lending
Steffen Cushing isn’t just a mortgage expert—he’s a trusted advisor who has spent over 10 years helping families, investors, and first-time homebuyers navigate the complexities of home financing.
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Your Trusted Partner in Homeownership
At OnPoint Mortgage, we believe that securing a home loan is more than just a transaction—it's a journey toward achieving your dreams. Our mission is to simplify the mortgage process, empower homebuyers with knowledge, and ensure that every client feels confident and supported every step of the way.
ApplyHelping You Build More Than Just Equity We Help You Build Home
At OnPoint Mortgage, we believe a mortgage isn’t just a loan it’s a launchpad for your future. As a local mortgage lender serving Nashville and Middle Tennessee we’re here to guide you through one of life’s most important decisions with clarity, compassion, and confidence.
We don’t hide behind industry jargon or empty promises. We take the time to understand your goals, explain your loan options, and help you choose the right path whether you’re a first-time homebuyer, relocating, or refinancing.
We’ve walked side by side with buyers across Nashville and Middle Tennessee who once thought “there’s no way,” and helped them unlock the keys to homes they never imagined they could own.
What people are saying about us
Mallory Hughes
Steffen Cushing and the OnPoint Mortgage team are truly the best in the biz — Steffen walked us through our options clearly, answered every question quickly, and always had a solution when something came up. Highly recommend!
Davida Wright
Working with Lemuel Brown at On Point Mortgage was an excellent experience. He took the time to truly understand our financial needs and guided us through every step with clarity and patience. Highly recommend his expertise and service.
Emily Johnson
Steffen with OnPoint Mortgage was absolutely incredible. We really appreciated his patience and commitment to helping us through this process. All around we felt supported and like we had an amazing team rooting for us!
Matthew Russell
Steffen (and the team at OnPoint) is the most thoughtful and skilled lender I have ever worked with. He's not just a loan originator — he's basically a financial genius delivering concierge-level service. Glad to have him in your corner.
G Duke
I couldn't be more pleased with the service I received during my refinance. The entire process was handled professionally and efficiently, and I always felt like I was in good hands. I highly recommend them to anyone looking for someone they can trust!
Richard Lambert
As an insurance agent, I see how hard Steffen works for his clients, always staying on top of things and paying attention to the details. That really matters when you're dealing with your largest asset...your home. Highly recommend Steffen!
Frequently asked questions
What’s the first step in getting approved for a mortgage?
The first step is getting pre-approved. It’s like a financial snapshot that tells you (and us) how much home you can afford. You’ll fill out a short form, we’ll check your credit, and then talk options—no pressure, no commitment.
What loan programs do you offer for self-employed buyers?
We specialize in helping business owners, freelancers, and entrepreneurs. Bank statement loans, 1099 options—we’ll find the one that works with how you really earn, not just what your tax return says.
Can I get pre-approved even if my credit isn’t perfect?
Yes. We work with buyers at all credit levels. Don’t worry if yours isn’t perfect we’ll walk you through your options and even give advice on how to improve your score if needed.
Can I transfer my current mortgage to a new property?
Not exactly, but we can help you structure the financing so moving is easy. If you’re upgrading, downsizing, or relocating, we’ll show you how to transition smoothly.
What documents will I need to apply?
You’ll typically need pay stubs, bank statements, tax returns, and ID. But don’t stress—we’ll send you a checklist and help every step of the way. It’s less paperwork than you think.
Do you offer mortgage options for investment or second homes?
Yes, we do. Whether it’s a rental property, vacation home, or your next flip, we’ve got loan options designed for investors including conventional, DSCR, and asset-based programs.