Independent
Mortgage Broker
in Franklin, Tennessee

I’m RL Hesson. I shop your loan across more than 30 lenders.
No handoffs. No call centers.

Start My Pre-Approval Not Sure Yet? Talk with RL

RL Hesson, independent mortgage broker in Franklin, Tennessee

5.0 from 76 Google reviews

Author of The Mortgage Playbook

Independent since 2018 · NMLS 2192188 · Licensed in TN.

Calls and texts returned the same day, seven days a week.

Every complete application reviewed the same day it is submitted.

You work with me from first call to closing.

Not Sure Yet? Talk with RL

Why hesson loans?

One person, real advice and closings on schedule.

Three things you can count on, whatever the loan.

One Person, Seven Days a Week

You work directly with me from the first call to closing, and calls and texts are returned the same day, 7 days a week.

Advice on Your Whole Financial Picture

Qualifying you is step one. Then I look at your whole financial picture. Sometimes putting some of your cash toward credit card debt does more for you than a bigger down payment. I structure the loan around that, from how you write the offer to how it fits your plans years from now.

Closings on Schedule

Your file goes to underwriting within three days of the contract, usually one to two, and I’ve never missed a closing date.

Who I Help

Where Do You Fit?

Pick the one closest to you. Each page has the loan options, the timeline and a real file like yours.

Couple reviewing paperwork on a tablet among moving boxes

First-Time Homebuyers

Loan options, down payment help and a clear path from pre-approval to keys.

Couple comparing neighborhoods on a laptop with a printed map

Relocation Buyers

Get pre-approved before you move, with Tennessee closing costs and the Williamson County loan limit explained.

Couple reviewing their finances on a laptop at home

Move-Up / Down Buyers

Bridge loans, HELOCs and buy-first programs, so you can buy before you sell.

Man in a blazer reviewing financial documents at his desk

Jumbo Buyers

Above the conforming limit, shopped across the lenders whose rules fit your file.

Self-employed man reviewing income charts and notes at his desk

Self-Employed Buyers

Your returns read the way an underwriter reads them, before the letter goes out.

Investor reviewing a rental property analysis on a laptop

Investors

DSCR loans that qualify on the property’s rent, with lenders that let you close in your LLC.

Not Sure Where You Fit? Book a Strategy Call

Our Process

From First Call to Closing in Five Steps

One person from the first call to closing. See the full process.

Step 1: Strategy Call

A 15-minute call, no credit pull. You leave knowing which loans fit and what to send me.

Step 2: Pre-Approval That Holds Up

The application takes 10 to 15 minutes, and most pre-approvals go out the same day. See what my pre-approval includes.

Step 3: Offer & Loan Structuring

When you find the house, I run the numbers on it and write your letter to the offer price.

Step 4: Execution

Your file goes to underwriting within three days of the contract, and your agent hears from me when anything moves.

Step 5: Closing & Beyond

The Closing Disclosure often goes out two weeks early. I have never missed a closing date.

WHAT I OFFER

Loan Programs for Every Buyer Scenario

Every program is shopped across more than 30 lenders. Pick one to see who it fits, the Tennessee loan limits and a recent file.

Conventional Loans

Best For: Steady income and good credit, when your offer has to stand out.

Jumbo Loans

Best For: Higher-priced homes or high-net-worth buyers.

FHA Loans

Best For: Buyers with limited down payment or credit history.

VA Loans

Best For: Eligible veterans, active duty, and military families.

Non-QM Loans

Best For: Self-employed buyers, or income that’s hard to document the usual way.

DSCR/Investor Loans

Best For: Buying or refinancing rentals, including multi-family.

Refinancing instead? See how I weigh a refinance.

What Clients Say

Verified Google reviews from clients and agents across Middle Tennessee.

        Posted on Google  
   Trevor K 
 
 
 Trustindex verifies that the original source of the review is Google. We had a great experience working with RL and Hesson Loans! He was very professional throughout the entire process and made sure everything was taken care of from start to finish. He was always available to answer any questions we had and made the whole process easy and stress free. We really appreciate all his help and would definitely recommend RL and Hesson Loans to anyone looking for a loan!
  
 
     Posted on Google  
   Ronald L 
 
 
 Trustindex verifies that the original source of the review is Google. We’ve had the pleasure of working with RL Hesson on several investment property transactions, and he has consistently delivered outstanding service. RL is knowledgeable, responsive, and extremely professional. He understands the complexities of investment property financing and makes the entire lending process smooth and efficient.

What sets RL apart is his attention to detail, clear communication, and commitment to getting deals across the finish line. Having worked with him on multiple transactions, we have complete confidence in his ability to deliver.

I highly recommend RL to anyone looking for a dependable, experienced mortgage professional.
  
 
     Posted on Google  
   Houston A 
 
 
 Trustindex verifies that the original source of the review is Google. We had an outstanding experience working with RL Hesson on our home loan. He was incredibly responsive throughout the entire process and always took the time to answer our questions thoroughly. His attention to detail and level of service were exceptional.

Our situation was a little more complicated because we needed to navigate a home-sale contingency. RL was extremely helpful in walking us through the different options and making sure we understood the pros and cons of each. When the sellers countered with an offer to cover three months of bridge-loan costs, RL went above and beyond to help us evaluate that option versus other alternatives so we could make the best decision for our family.

I’ve worked with loan officers before, but I’ve never experienced this level of service. Working with RL honestly felt like having a concierge-level loan officer. RL is someone who was available, stayed on top of every detail, and genuinely cared about getting us through the process successfully. On top of all of that, he was able to secure us a great rate, which made an already excellent experience even better.

I would highly recommend RL Hesson to anyone buying or refinancing a home. We couldn’t have asked for a better experience.

The Mortgage Playbook

I wrote The Mortgage Playbook to walk buyers through the decisions that matter, from getting ready and structuring the loan to closing, refinancing and buying rentals.

Explore the Book

Get a Clear Loan Strategy.

No pressure. Same-day calls and texts, 7 days a week. Know what you qualify for, what it costs and how to win the home before you make an offer. Same-day review of a complete application, with your loan priced across more than 30 lenders.

Start My Pre-Approval

The application takes 10 to 15 minutes.

Call or Text Me Directly

(615) 516-3176

Mortgage Strategy & Market Insights

My take on financing and the market, written for buyers in Middle Tennessee.

RL Hesson, independent mortgage broker in Franklin, TN

Independent Mortgage Broker in Franklin, Tennessee