Looking for a mortgage lender in Kentucky or Tennessee? With nearly 30 years of finance experience—with 25 years as a mortgage lender—you can trust Brian John Michon to find the right loan for your next home purchase. Whether you’re buying a home in Bowling Green, Hopkinsville, or Owensboro KY or Clarksville, Brentwood, Chattanooga, or Knoxville, TN, Brian’s extensive experience in mortgage lending gives his clients the assurance of the best possible service, from loan origination to follow-through.
Brian is an expert in assisting borrowers with a variety of mortgage options. As Brian explains, “Whether your credit is less-than-perfect or excellent, I will keep your goals in mind and find the best program to meet your needs.” He holds a USDA First-Time Homebuyers Certification and Sales and Service Certification, and specializes in FHA, VA, conventional, refinance, land, and new construction loans. For Brian, the most satisfying part of his job is helping first-time homebuyers get into their new homes.
Heavily involved in his local community, Brian is a current board member of the Cheatham Chamber of Commerce, a charter member of the North Cheatham County Civitan Club, and a member of Cheatham County Kids. Brian holds a B.S. in Criminal Law from the University of Tennessee at Martin. In his free time, he enjoys archery and sport shooting including trap and skeet shooting, spending time with his wife, daughter, and son, and mountain biking.
Kentucky and Tennessee Mortgage Solutions
Reach out to Brian to learn about our wide range of home financing solutions:
- Conventional: A traditional mortgage choice with several term length options and down payments from 3%.
- Adjustable Rate (ARM): A flexible option offering lower upfront initial rate and monthly payments followed by annual adjustments based on market conditions.
- FHA: Backed by the Federal Housing Administration, these loans have more accessible credit requirements and down payments as low as 3.5%.
- USDA Rural Housing: For buyers purchasing homes in designated rural areas, USDA home loans offer affordable rates and no down payment requirement.
- VA: Exclusively for eligible military and ex-military members and their spouses, VA loans pair no down payment requirements with lower interest rates.
- Jumbo Portfolio: For properties too large for other mortgage choices, a Jumbo Portfolio loan can provide the right financing.
- Medical Professionals: With no down payment requirement, these loans can facilitate the purchase of a home for medical doctors, despite student loan balances.
- First Heroes Program: If you’re a full-time teacher, first responder, or U.S. service member, we’ll cover the cost of your appraisal with any home loan.
- Professionals Program: No down payment required for homebuyers with CPA designation or other certified financial professionals, Educators with a Ph.D., Architects, Certified Mortgage Bankers; Actuaries, or Lawyers with a Juris Doctorate or LLM degree.
Apply for a Mortgage in Clarksville, Tennessee
Ready to start on your journey to homeownership? At First Financial, our experienced mortgage lenders in Kentucky and Tennessee are here to help. Contact Brian to discuss your mortgage options or apply online to get started today!