Hendersonville TN Mortgage Broker & Correspondent Lender
OnPoint Mortgage helps Hendersonville and Sumner County buyers finance homes with clear options: conventional, FHA, VA, jumbo, Non-QM, and HELOC. Local Middle Tennessee team based in Franklin. Call (615) 432-0046.
Apply NowBook AppointmentHendersonville · Sumner County
Hendersonville home price ranges
Hendersonville wraps around Old Hickory Lake on the Sumner County side of Nashville. Redfin data for the three months ending September 2026 shows a median sale price of about $515,000 (up 3.5% year over year), roughly $228 per square foot, and a median of 65 days on market. Prices are still rising here while many nearby suburbs have softened. We underwrite around your payment comfort, not just the list price.
Median sold
~$515K
Redfin · 3 months ending Sept 2026
$/sq ft
~$228
Redfin median · up 1.3% year over year
Days on market
~65
Redfin median · up from 62 last year
Sumner County & Hendersonville property taxes
Tennessee assesses residential property at 25% of appraised value. Per the City of Hendersonville, the Sumner County rate is $1.4210 per $100 of assessed value and the city rate is $0.5883, for a combined in-city rate of about $2.0093. Example: a $515,000 appraised home has $128,750 assessed, or roughly $2,587/year. We build taxes and insurance into your escrowed payment estimate.
Neighborhoods
Where Hendersonville buyers are shopping
Whether you want lake frontage, an established neighborhood, or a newer master-planned community, financing should fit the property. 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.
Indian Lake area
Shopping and dining hub off Vietnam Veterans Blvd with nearby subdivisions. Easy commute toward Nashville.
Old Hickory Lake waterfront
Lake-access and waterfront homes often need jumbo financing. We also flag flood-zone and dock questions early.
Drakes Creek
Established neighborhoods with mature trees. A common fit for move-up buyers and rate-and-term refinances.
Durham Farms & newer communities
Master-planned and new-construction options. We compare builder incentives against outside pricing so you see the real cost.
Programs
Which loans fit Hendersonville
Hendersonville buyers most often choose conventional, FHA for lower down payment and flexible credit, or VA when eligible for zero-down potential. Waterfront homes can need jumbo. Hendersonville itself is not USDA-eligible, though some rural Sumner County addresses may qualify. We tell you straight if a program’s limits don’t match the home you want.
Conventional & Jumbo
Strong for move-up buyers. Jumbo for lake and waterfront homes.
FHA · VA
FHA for lower down payment and flexible credit. VA for eligible veterans and service members, with zero-down potential.
Non-QM & HELOC
Bank-statement options for self-employed buyers. HELOC or cash-out to tap Hendersonville equity.
More local mortgage guides: Franklin · Brentwood · Nashville · Murfreesboro · Spring Hill · Mt. Juliet · Williamson County
Reviews
What Middle Tennessee 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 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!” (Mallory Hughes)
“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.” (Davida Wright)
“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!” (Emily Johnson)
FAQ
Hendersonville mortgage FAQs
Do you serve Hendersonville and Sumner County buyers?
Yes. We finance purchases and refinances across Hendersonville, Gallatin, and the rest of Sumner County from our office at 3310 Aspen Grove Dr, Suite 303, Franklin, TN 37067. 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 Hendersonville property taxes affect my payment?
Tennessee assesses homes at 25% of appraised value. Inside Hendersonville, the combined Sumner County ($1.4210) and city ($0.5883) rate is about $2.0093 per $100 assessed. Homes outside city limits pay only the county rate. We include estimated taxes and insurance in your escrowed payment.
Can you finance a lakefront home on Old Hickory Lake?
Yes. Waterfront purchases often involve jumbo loan amounts, flood-zone determinations, and questions about docks or shoreline permits. We review those early so appraisal and insurance don’t delay closing.
Do I need to visit your office?
No. Our office is at 3310 Aspen Grove Dr, Suite 303, Franklin, TN 37067, but most Sumner County clients apply online and meet by phone or video. Hours: Monday through Friday, 8am to 5pm; Saturday by appointment only; closed Sunday.
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 to Fri, 8am to 5pm · Saturday by appointment · 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. Serving Hendersonville and Sumner County buyers as a mortgage broker and correspondent lender.