Mt. Juliet TN Mortgage Broker & Correspondent Lender
OnPoint Mortgage helps Mt. Juliet and Wilson 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 AppointmentMt. Juliet · Wilson County
Mt. Juliet home price ranges
Mt. Juliet sits along I-40 between Nashville and Lebanon, with Old Hickory Lake to the north. Redfin data for the three months ending September 2026 shows a median sale price of about $573,000 (essentially flat year over year), roughly $235 per square foot, and a median of 79 days on market, noticeably longer than last year’s 63. Buyers have time to compare options. We underwrite around your payment comfort, not just the list price.
Median sold
~$573K
Redfin · 3 months ending Sept 2026
$/sq ft
~$235
Redfin median price per square foot
Days on market
~79
Redfin median · up from 63 last year
Wilson County & Mt. Juliet property taxes
Tennessee assesses residential property at 25% of appraised value. Per the City of Mt. Juliet, the Wilson County rate is $1.1657 per $100 of assessed value and the city rate is $0.28, for a combined in-city rate of about $1.4457, one of the lower combined rates in the Nashville area. Example: a $573,000 appraised home has $143,250 assessed, or roughly $2,071/year. We build taxes and insurance into your escrowed payment estimate.
Neighborhoods
Where Mt. Juliet buyers are shopping
Whether you want lake access, a 55+ community, or new construction near I-40, 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.
Providence
Mixed-use area off I-40 with shopping and dining nearby. Popular with commuters heading into Nashville.
Del Webb Lake Providence (55+)
Active-adult community. Downsizers often pair a large down payment or a bridge strategy with a conventional loan.
North Mt. Juliet & Old Hickory Lake
Established neighborhoods and lake-area homes. Waterfront or larger-lot properties may push into jumbo financing.
Beckwith Rd & new construction
Newer subdivisions along the I-40 growth corridor. We compare builder-lender incentives against outside pricing so you see the real cost.
Programs
Which loans fit Mt. Juliet
Mt. Juliet buyers most often choose conventional, FHA for lower down payment and flexible credit, or VA when eligible for zero-down potential. Lake and larger homes can need jumbo. Mt. Juliet itself is not USDA-eligible, though some rural Wilson County addresses outside city limits 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 and downsizers. Jumbo for lake and larger-lot 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 Mt. Juliet equity.
More local mortgage guides: Franklin · Brentwood · Nashville · Murfreesboro · Spring Hill · Hendersonville · 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
Mt. Juliet mortgage FAQs
Do you serve Mt. Juliet and Wilson County buyers?
Yes. We finance purchases and refinances across Mt. Juliet, Lebanon, and the rest of Wilson 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 Mt. Juliet property taxes affect my payment?
Tennessee assesses homes at 25% of appraised value. Inside Mt. Juliet, the combined Wilson County ($1.1657) and city ($0.28) rate is about $1.4457 per $100 assessed. Homes outside city limits pay only the county rate. We include estimated taxes and insurance in your escrowed payment.
Is Mt. Juliet a good fit for a 55+ or downsizing move?
Many downsizers look at Del Webb Lake Providence and nearby communities. We can structure a purchase around proceeds from your current home, including timing your sale and new loan.
Do I need to visit your office?
No. Our office is at 3310 Aspen Grove Dr, Suite 303, Franklin, TN 37067, but most Wilson 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 Mt. Juliet and Wilson County buyers as a mortgage broker and correspondent lender.