Jeramy and Josh were quick to respond to everything, patient with our questions, and walked us through several options side by side.
Shane S. · Spring Hill, TNPurchase
Franklin · Nashville · Williamson County · Middle Tennessee
First home in Middle Tennessee? Start with a team that actually answers.
Jeramy Williams and The Williams Group have been guiding Tennessee buyers since 2002 — a Top 1% originator nationally since 2019, and one of the most-reviewed mortgage teams in Franklin. First-time buyers, THDA down payment assistance, new construction, VA — one text away.
- ★ 4.91 across 799 reviews
- Top 1% originator since 2019
- THDA down payment assistance experts
Jeramy Williams
The Williams Group · Fairway
Hey Jeramy — what would a $450k house in Spring Hill run me a month? 🏡
Good question — and Tennessee’s low property taxes help you here. Pick a price and I’ll ballpark it with 3.5% down (FHA-style, first-time buyer) 👇
Okay, say…
Around$0/mo*3.5% down · sample rate · est. taxes, insurance & mortgage insurance included
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Average rating
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Verified reviews
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Years in mortgage
Top 0%
Originator since 2019
Top 1%Scotsman Guide & Mortgage Executive Magazine
Meet Jeramy & The Williams Group
Twenty-plus years, one philosophy: every loan is a relationship.
Jeramy is the Branch Manager and lead loan officer of The Williams Group at Fairway Home Mortgage in Franklin, serving Nashville, Williamson County and the whole state of Tennessee. He’s been in the business since 2002 and ranked among the Top 1% of mortgage originators in America every year since 2019.
What that looks like for you: options laid out side by side, plain-English answers to every “dumb” question (there aren’t any), and a team — Jeramy, Josh and Dave — that answers the phone on a Saturday. He holds the Certified Mortgage Advisor and Certified Reverse Mortgage Planner designations and specializes in military and first-time buyer lending.
Buying in Middle Tennessee
Four things that decide your payment here — and how the team handles each.
01
Property taxes are low
Tennessee has no state income tax and some of the lowest property taxes in the country — Williamson County’s effective rate is well under 1%. That’s real monthly room, and we build the actual county rate into every estimate.
02
THDA down payment help
THDA’s Great Choice Plus can add up to $15,000 — or $25,000 on new construction — for qualified buyers. Most people don’t know it exists. We check your county limits in the first conversation. THDA guide →
03
New construction is everywhere
Spring Hill, Nolensville, Thompson’s Station, Columbia — half of what you’ll tour is new. Builder incentives, rate buydowns, and long build timelines all change the math. We’ve structured hundreds of them.
04
Insurance & HOA add up
Homeowners insurance, an HOA, and mortgage insurance under 20% down can move a payment by hundreds. Nothing gets hidden in a footnote — every line item is on the table before you write an offer.
Loan programs
Every option, explained like you’re a friend.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — parts of Maury, Marshall, Hickman and Dickson counties qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance (THDA)
Tennessee has real down payment help — THDA’s Great Choice Plus can put up to $15,000 (or $25,000 on new construction) toward your down payment and closing costs for qualified buyers.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Jeramy will show you. When it doesn’t, he’ll tell you.
Learn more →No idea which one?
That’s normal. Text Jeramy what you’re trying to do and he’ll tell you which two or three actually fit.
Text 615-610-6010 →First-time buyers · THDA Great Choice
Tennessee will help with your down payment. Here’s the honest version.
A 30-year fixed Great Choice loan, a 640 credit score, income under your county’s limit, and a homebuyer class — that’s the core of it. Then Great Choice Plus adds a second loan for down payment and closing costs: deferred and forgivable, amortizing, or 0% on new builds. We explain what each one really costs so you can choose with your eyes open.
For qualified buyers only. Income, purchase-price, credit and education requirements apply; assistance is a loan and must be repaid per its terms. Fairway Independent Mortgage Corporation is not affiliated with, or acting on behalf of or at the direction of, FHA, VA, USDA, THDA, or any government agency.
Is THDA actually worth the hassle? I heard it’s complicated 🙃
It’s a few extra steps, not a maze — a class and some paperwork. In exchange, most of my first-time buyers in Williamson or Davidson get $10k–$15k toward closing. I’ll tell you in one text whether you’re inside the limits.
Real clients, real reviews
Five stars.4.91 across 799 verified reviews
Highlights from verified client reviews on Experience.com, Google, Zillow & Facebook.
It was my first time buying and I didn’t know what to expect — they were patient, kind, and answered every question I had.
Dawn S. · Nashville, TNFirst-time buyer
The side-by-side breakdowns of each option sold us. We could see every detail and choose what was best for us.
Margaret L. · Spring Hill, TNFirst-time buyer
Communication with Jeramy and Josh is second to none — every question answered fast, no matter how small.
Joe P. · Phoenix, AZRepeat client
Third time working with this team. They got me exactly what I wanted and made sure I was happy the whole way.
Marvin S. · Mesa, AZThird loan with the team
Great communication, patience, and professionalism from start to finish.
Michael L. · Spring Hill, TNPurchase
The team was ready to work from day one and answered our questions immediately.
Louis H. · Murfreesboro, TNPurchase
Great service and deep knowledge of the loan programs that fit every family’s situation. Referring friends and family.
Kendra T. · Middle TNPurchase
Organized, kind, and efficient — more people should work with Jeramy and his team.
Janice W. · Middle TNRefinance
Efficient, professional, and extremely helpful through the entire process.
Jim C. · Middle TNPurchase
Jeramy and Josh were quick to respond to everything, patient with our questions, and walked us through several options side by side.
Shane S. · Spring Hill, TNPurchase
It was my first time buying and I didn’t know what to expect — they were patient, kind, and answered every question I had.
Dawn S. · Nashville, TNFirst-time buyer
The side-by-side breakdowns of each option sold us. We could see every detail and choose what was best for us.
Margaret L. · Spring Hill, TNFirst-time buyer
Communication with Jeramy and Josh is second to none — every question answered fast, no matter how small.
Joe P. · Phoenix, AZRepeat client
Third time working with this team. They got me exactly what I wanted and made sure I was happy the whole way.
Marvin S. · Mesa, AZThird loan with the team
Great communication, patience, and professionalism from start to finish.
Michael L. · Spring Hill, TNPurchase
The team was ready to work from day one and answered our questions immediately.
Louis H. · Murfreesboro, TNPurchase
Great service and deep knowledge of the loan programs that fit every family’s situation. Referring friends and family.
Kendra T. · Middle TNPurchase
Organized, kind, and efficient — more people should work with Jeramy and his team.
Janice W. · Middle TNRefinance
Efficient, professional, and extremely helpful through the entire process.
Jim C. · Middle TNPurchase
No dumb questions
Everything you were afraid to ask, in plain English.
Pre-approval vs pre-qualification. What “PMI” actually costs. Whether a 2/1 buydown is a gift or a gimmick. Our Learn hub is a growing glossary written for humans — no email required to read it.
Is it dumb that I don’t know the difference between pre-qualified and pre-approved?
Not even a little. Pre-qualified is a guess. Pre-approved means we verified income, assets and credit — sellers in Franklin only take the second one seriously. Want one? Takes about a day.
Ready when you are. No pressure, ever.
No pressure, no jargon, no obligation — a straight answer from a team that has been doing this since 2002. Text, call, or apply whenever you’re ready.