Buying a home shouldn't be complicated. Our network of trusted mortgage brokers helps you find the best rates and terms.
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Getting matched with the right lender is simple and fast
Quick 2-minute form. No impact on your credit score.
Our platform searches hundreds of trusted lenders for you.
Review personalized offers and select the best one.
We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.
Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.
Local lending landscape and Tennessee regulations
Tennessee allows payday loans up to $425 and permits title lending. Consumer loans capped at 24% APR.
Memphis has significant economic challenges with low median income ($41,228) and higher unemployment. Tennessee's lax lending laws make the situation worse. RISE Foundation and Hope Credit Union focus specifically on helping Memphis residents access responsible financial products.
"Memphis's cost of living index of 84 is 16% below average - combined with intentional budgeting, this creates real opportunity to build savings even on modest income."
- SwipeSolutions, Memphis Market Analysis
Common questions from Memphis residents
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With a population of 1,069,661, Memphis is one of Tennessee's largest cities. Our lending network serves all Memphis zip codes including 38122, 38125, 38127, 38107, 38106, and more.
Look for Memphis mortgage brokers with strong reviews, multiple lender relationships, and experience with your type of loan. Our network connects you with vetted, licensed professionals who work with dozens of lenders to find you the best rates and terms.
In Tennessee, minimum credit requirements vary by loan type: FHA loans accept scores as low as 580 (or 500 with 10% down), conventional loans typically require 620+, and VA/USDA loans have their own guidelines. Our brokers can help you find programs that match your credit profile.
Most Memphis mortgage brokers earn their fee from the lender (typically 1-2% of the loan amount), so there's often no direct cost to you. Some brokers may charge a flat fee. Always ask about fees upfront - our partners are transparent about their compensation.
Mortgage brokers can save you time and money by shopping multiple lenders on your behalf. While banks only offer their own products, brokers have access to dozens of lenders and can often find better rates or terms. This is especially valuable if you have unique circumstances.
The typical mortgage process takes 30-45 days from application to closing. Getting pre-approved takes just a few days. Memphis homebuyers who have their documents ready and respond quickly to requests often close even faster.
Last Updated: Jan 2026