Franklin TN Mortgage Broker & Correspondent Lender
OnPoint Mortgage helps Franklin and Williamson County buyers finance homes with clear options—conventional, FHA, VA, jumbo, Non-QM, and HELOC. Local office at Aspen Grove. Call (615) 432-0046.
Apply NowBook AppointmentFranklin · Williamson County
Franklin home price ranges
Franklin remains one of Middle Tennessee’s strongest housing markets. Recent public listing and sold data around fall 2026 show a citywide median sold price near $950,000, with typical listing medians nearer $1.1 million and sold prices often in the mid-$300s per square foot. We underwrite around your payment comfort, not just the list price.
Median sold
~$950K
Citywide snapshot · fall 2026 public data
Listing median
~$1.1M
Active inventory varies by neighborhood
$/sq ft
~$345–$372
Typical sold range · condition matters
Williamson County & Franklin property taxes
Tennessee assesses residential property at 25% of appraised value. For 2026, Williamson County’s published combined rates (per $100 of assessed value) are about $1.566 for Franklin city outside the Franklin Special School District (FSSD) and about $2.2433 inside Franklin/FSSD. Example: a $600,000 appraised home has $150,000 assessed roughly $2,349/year outside FSSD or about $3,365/year inside Franklin/FSSD. Confirm the parcel on the Williamson County Trustee / Assessor tools before you budget escrow.
Neighborhoods
Where Franklin buyers are shopping
Whether you are relocating for a Cool Springs job, upsizing into Westhaven, buying a downtown bungalow, or choosing new construction in Berry Farms, financing should fit the property type. As both a mortgage broker and a correspondent lender, OnPoint Mortgage can shop wholesale channels or originate in-house when that path is stronger for your file.
Westhaven
Master-planned living with golf, trails, and amenities. Recent medians often near the mid-$1.3M range frequently jumbo or high-balance conventional.
Berry Farms
Newer construction and mixed product. Blended medians commonly near the low-$700Ks depending on section and home size.
Historic Downtown
Walkable charm and renovated cottages. Medians frequently in the mid-to-high $600Ks, with premium for updated Main Street–adjacent homes.
Cool Springs / McEwen
Close to employers and shopping. Strong demand for move-up and executive product, and convenient to our Aspen Grove office.
Programs
Which loans fit Franklin
Franklin and Williamson County buyers typically choose conventional or jumbo for higher price points, FHA for lower down payment and flexible credit, VA when eligible for zero-down potential, and Non-QM or HELOC when income is complex or equity needs unlocking. We’ll map the fit for your credit, down payment, and target neighborhood. We tell you straight if a program’s limits don’t match the home you want.
Conventional & Jumbo
Strong for move-up buyers. Jumbo often needed in Westhaven and executive Cool Springs product above conforming limits.
FHA · VA
Lower down payment and flexible credit. VA zero-down potential for eligible veterans.
Non-QM · HELOC
Bank-statement options for self-employed Cool Springs entrepreneurs. HELOC or cash-out to tap Franklin equity.
Reviews
What Franklin-area clients are saying
OnPoint Mortgage maintains a strong public Google rating (5.0 as of date of publication). Quotes below appear on our website from actual clients.
“Steffen was great to work with on the purchase of our home, very grateful for his knowledge and expertise. Made everything smooth and easy, definitely would recommend.”
— Justin Conley
“What truly sets Steffen apart is his dedication to his clients. He took the time to understand our needs as first time home buyers and provided personalized solutions.”
— Akarsh Sabhaney
“Our situation made this a tough loan but they got it closed at a great interest rate! couldn’t be happier.”
— Chella G
FAQ
Franklin mortgage FAQs
Do you serve Franklin and Williamson County buyers?
Yes. Our office is at 3310 Aspen Grove Dr, Suite 303, Franklin, TN 37067. We finance purchases and refinances across 37064, 37067, 37069, and greater Middle Tennessee. Call (615) 432-0046 or email support@onpointmtg.net.
Are you a mortgage broker or a lender?
Both. OnPoint Mortgage operates as a mortgage broker and a correspondent lender so we can shop wholesale channels for competitive pricing or originate as correspondent when that structure serves your file better.
How do Franklin property taxes affect my payment?
Tennessee assesses homes at 25% of appraised value. 2026 combined rates are about $1.566/$100 assessed outside FSSD in Franklin city and about $2.2433/$100 inside Franklin/FSSD. We include estimated taxes and insurance in your escrowed payment so the number you see is realistic.
What loan fits a Westhaven or Cool Springs purchase?
Higher-priced Westhaven and executive Cool Springs homes often need jumbo or high-balance conventional. First-time or moderate-income buyers may lean FHA when that structure fits. Self-employed buyers frequently use bank-statement/Non-QM.
How do I get directions to your Franklin office?
We’re at 3310 Aspen Grove Dr, Suite 303, Franklin, TN 37067—Cool Springs / Aspen Grove corridor. Hours: Monday–Friday 8am–5pm; Saturday by appointment only in office and closed Sunday. Search that address in Google Maps for turn-by-turn directions.
Visit us
Map, directions & contact
OnPoint Mortgage, LLC
3310 Aspen Grove Dr, Suite 303
Franklin, TN 37067
Phone: (615) 432-0046
Email: support@onpointmtg.net
Mon–Sat 8am–5pm · Closed Sunday
Getting here
Aspen Grove office corridor off the Cool Springs / McEwen area convenient from I-65, Moores Lane, and Mack Hatcher. Free parking at the building. Local Franklin mortgage broker and correspondent lender ready when you are.