RL Hesson, founder and principal mortgage broker at Hesson Loans

Strategic Mortgage Guidance in Franklin, TN

From pre-approval to closing, I help buyers and homeowners secure the right mortgage—without delays, confusion, or handoffs.

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

Why hesson loans?

Direct access to your broker. Clear advice. Fast execution. No handoffs. No call centers. No guesswork.

Trusted by buyers, homeowners, and real estate professionals across Tennessee and Florida – especially in competitive, fast-moving, and complex scenarios.

Direct Access to Your Broker

You work directly with me from first call to closing – not a rotating cast of contacts.

Advice, Not Just Approval

I don’t just qualify loans – I help structure them. From offer strategy to long-term planning, the goal is the right mortgage, not just a yes.

Fast and Reliable Execution

Clean pre-approvals, proactive communication, and tight timelines—especially when the deal matters most.

RL Hesson, independent mortgage broker in Franklin, Tennessee

WHO WE SERVE

For Buyers Who Value Strategy, Clarity, and Speed

Today’s market isn’t just about rates – it’s about structure, execution, and guidance tailored to each buyer’s situation and goals.

First-Time Homebuyers

Clear education, structured expectations, and offer strategy to reduce stress and avoid surprises.

Advantage: Get pre-approved with confidence and know exactly what to expect from offer to closing.

Relocation Buyers

Local context that matters: schools, taxes, neighborhoods, commute, and lifestyle in Williamson County.

Advantage: Make confident decisions even when you’re not here for every step.

Move-up homebuyers planning a coordinated sale and purchase with a Franklin TN mortgage broker

Move-Up / Down Buyers

Planning for contingencies, timing, and financing so the move feels intentional-not chaotic.

Advantage: Smooth execution across both transactions with less pressure.

Jumbo loan borrower reviewing mortgage strategy with a Franklin Tennessee mortgage broker

Jumbo Buyers

Scenario planning, asset review, and underwriting strategy tailored to complex or high-net-worth files.

Advantage: Stronger offers, smoother approvals, and fast execution.

Self-employed homebuyer reviewing income documents with a mortgage broker in Franklin TN

Self-Employed Buyers

K-1s, pass-through entities, S-corps, bonuses, distributions, or layered income sources analyzed correctly.

Advantage: Align tax strategy + lender guidelines so approvals are more predictable and competitive.

Real estate investor reviewing rental property financing with a Franklin TN mortgage broker

Investors

Tailored financing for rentals and second homes with clarity around DSCR, reserves, and lender overlays.

Advantage: Structure deals efficiently and understand how financing impacts return and taxes.

Not Sure Where You Fit? Schedule a Strategy Call with RL

Our Process

Strategy, Structure & Execution – From Offer To Closing

Clear structure, fast execution, and confident decisions — so buying feels intentional, not chaotic.

Step 1 – Strategy Call

Clarify goals, timing, financing, and competitive realities – so offers are strategic, not rushed.

Step 2 – Pre-Approvals That Actually Mean Something

Not just a letter – a tactical advantage. See how our Franklin mortgage pre-approval process verifies the details before you make an offer.

Step 3 – Structure & Pricing

Model options, payment structures, loan programs, and trade-offs.

Step 4 – Execution

Offer-to-close coordination with agents, lenders, and title – proactively, not reactively.

Step 5 – Closing & Beyond

Smooth finish + future strategy as markets shift and your life evolves.

WHAT WE OFFER

Loan Programs for Every Buyer Scenario

From first-time buyers to investors and complex income, we structure financing around goals – not just guidelines.

Conventional Loans

Best For: Strong credit, standard income, and competitive offers.

Advantage: Competitive rates, flexible terms, and clear financing options for qualified mortgage borrowers.

Jumbo Loans

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

Advantage: Customized underwriting, asset review, and financing options for higher-value properties.

FHA Loans

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

Advantage: Low down payment options and more flexible qualification than many conventional programs.

VA Loans

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

Advantage: Eligible borrowers may qualify with no down payment and no monthly mortgage insurance.

Non-QM Loans

Best For: Self-employed, variable income, or complex financials.

Advantage: Flexible underwriting options for self-employed borrowers and complex income situations.

DSCR/Investor Loans

Best For: Rental properties, multi-family, or portfolio growth.

Advantage: Qualification focuses on property cash flow, while credit, assets, and reserves matter.

Explore the right loan strategy for your situation

What Our Clients Say

Verified Google reviews from homebuyers, homeowners, and real estate professionals across Middle Tennessee.

        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.
  
 
     Posted on Google  
   Susan B 
 
 
 Trustindex verifies that the original source of the review is Google. What an amazing experience it was working with RL! He really went above and beyond, even working late into the night on day 1, to push us toward approval as fast as possible. He was always quick to respond to all of our emails and texts, and always kept us updated throughout the whole process. We are definitely recommending him to everyone we know!
  
 
     Posted on Google  
   Connor S 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t express enough how grateful we are for RL. After a difficult experience with another lender, he stepped in seamlessly, got us up to speed, and walked us through every option with patience and clarity. He is incredibly kind, thorough, and knowledgeable—but what truly set him apart was his communication. It was consistently clear, timely, and reliable, which made the entire process feel manageable and far less stressful. We always felt informed and supported. I would highly recommend RL to anyone looking for a dependable and professional mortgage broker.
  
 
     Posted on Google  
   Emily W 
 
 
 Trustindex verifies that the original source of the review is Google. We had an outstanding experience working with this lender during our son’s first home purchase. As co-signers, we were very involved in the process, and from start to finish, everything was handled with professionalism, clarity, and genuine care. R.L. took the time to explain every step, ensuring that both our son and we fully understood the details and felt confident in the decisions being made. Communication was consistent and timely, and any questions we had were answered thoroughly. What stood out most was his commitment to making this milestone both exciting and stress-free. Buying a first home can feel overwhelming, but he guided them through it with expertise and reassurance at every turn. We’re incredibly grateful for R.L.’s  support in helping our son achieve homeownership, and we would highly recommend him to anyone—especially families navigating the process together
  
 
     Posted on Google  
   Haley P 
 
 
 Trustindex verifies that the original source of the review is Google. RL is absolutely amazing! He really helped my husband and I very well through the whole home buying process. Very quick in response time, and did very well explaining everything to us since this was our first house. Can’t recommend him and his wife Anna Lauren enough, they are GREAT!
  
 
     Posted on Google  
   Jaden D 
 
 
 Trustindex verifies that the original source of the review is Google. RL was the best broker to work with! He actually took the time and listened to my wife & I and helped us get the best possible loan for our first home. It is a very scary process from the outside looking it, but RL made sure to take his time throughout the process and explain every little thing to us so we were well informed. Would recommend him to anyone needed the right deal for them!
  
 
     Posted on Google  
   Vincent C 
 
 
 Trustindex verifies that the original source of the review is Google. I just want to Thank RL Hesson for the amazing experience that my wife and I had during our refinance. First off, if I could give this man 10 STARS I would because that’s how hard he worked for us. He got us out of a terrible home loan and got us into a loan that is way more suitable for my family and I. He took the time to go over everything from A to Z. He explained every detail to us and he did not for one instance make me feel as if I was just some guy he wanted to get a commission off of. I would highly recommend RL for any type of mortgage related product. Thank you RL for everything!
  
 
     Posted on Google  
   Kristen C 
 
 
 Trustindex verifies that the original source of the review is Google. My husband and I had a wonderful experience working with RL to refinance our mortgage. From start to finish, he worked incredibly hard to make sure we secured the very best deal possible. He was knowledgeable, responsive, and always willing to take the time to explain our options and answer every question we had. What truly stood out was how he went above and beyond at every step. It was clear he genuinely cared about helping our family make the best financial decision, not just closing a deal. We always felt supported and confident throughout the entire process. We are so thankful for his dedication and highly recommend RL to anyone looking for a trustworthy and hardworking mortgage broker!
  
 
     Posted on Google  
   Ben S 
 
 
 Trustindex verifies that the original source of the review is Google. We had a fantastic experience working with RL at Hesson Loans. From start to finish, RL was incredibly responsive, diligent, and proactive in guiding us through the home loan process. He communicated clearly, answered every question quickly, and made what could have been a stressful experience feel smooth and manageable. What really stood out was his expertise and network. In a challenging rate environment, RL leveraged his experience and industry contacts to secure us a below-market rate, which made a huge difference for our family. It was clear he genuinely had our best interests in mind every step of the way. I highly recommend RL to anyone looking for a home loan. You won’t find someone more knowledgeable, hardworking, and committed to getting you the best possible outcome!

MORTGAGE EDUCATION

The Mortgage Playbook

Written by RL Hesson, The Mortgage Playbook is a practical guide to making smarter home financing decisions—from preparation and loan structure to closing, refinancing, and real estate investing.

Explore the Book

Get a Clear Loan Strategy — Fast.

No pressure. Clear answers, fast. Know what you qualify for, what it costs, and how to win the home — before you make an offer. Fast pre-approval reviews, direct access to me, and strategy built around you.

Start My Pre-Approval

Takes about 5 minutes to get started.

Call or Text Me Directly

(615) 516-3176

Mortgage Strategy & Market Insights

Clear guidance on financing strategy, market shifts, and winning in competitive scenarios.

Independent mortgage broker in Franklin TN advising clients on loan options versus a bank