What our clients are saying:
"Just a quick note to say thanks for a job so well done. Chalk one up for working hard on an account that didn't offer you anything except a future opportunity. I'll do what I can to make you and Pinnacle happy that you earned my business. If I can help you in any way to help bring others to Pinnacle, please let me know."

Matthew T. Coyle
Franklin Web Printing Company, Inc.

Pinnacle Mortgage Team

Click on a Team Member's name to learn more

Heather Anderson 615.690.1404
Sandra Austin 615.743.6053
Bill Bell 615.849.3363
Taylor Bowers 615.773.6656
Pam Bullock 615.849.3328
Billy Carver 615.494.9640
Liz Cruse 615.743.8249
Melissa Dawson 615.620.1244
Allen Dixon 615.743.8286
Jim Dixon 615.904.3220
Gary Fagan 615.743.8247
David Henderlight 615.690.4080
Ed Hoover 615.849.4226
Billy Jakes 615.849.3378
Ross Kinney 615.744.3781
Jamie Lacy 615.744.3785
Chris Maultsby 615.904.3405
Jeff Mayfield 615.744.3788
Sherry McHaffie 865.766.3003
Dana McNerney 615.744.3782
Chet Melvin 615.773.6614
Jenny Middleton 615.773.6619
John Pope 615.466.5458
Scott Ractliffe 615.743.6006
Daniel Ramer 615.743.6033
Mike Stapp 615.744.3783
John Ward 615.849.3373
Billy Winfree 615.743.8397

Contact one of our mortgage advisor assistants for information on a mortgage application or loan in process:

Jennifer Ball

615.743.6052

Holly Burks

615.690.4018

Connie Cain

615.904.3218

Emily Carman

615.904.6476

Traci Christian

615.690.4018

Ashley Keeton

865.766.3002

Amber Lutz

615.743.8433

Sharon Moorhead

615.743.8294

Sherry Petty

615.849.3352

Barbie Qualls

615.743.8246

Amy Ramey

615.849.4206

Lea Rickard

615.773.6616

Beth Sanders

615.466.5459

Monica Scruggs

615.744.3738

Vicky Sever

615.744.3784

Donnita Sperlich

615.744.3787

Judy Todd

615.494.9641

Terry Vaughn

615.743.6008

 

 

 

 

 

 

 

 

 

Heather Anderson




Phone: 615.690.1404
Fax: 615.690.1414

BUILDING RELATIONSHIPS

"After more than 10 years in the mortgage business, I still enjoy helping clients achieve the dream of home ownership. It is rewarding to see my clients through the closing on their first home with smiles on their face. Building relationships with my clients and finding the right loan to fit their needs has always been an integral part of the mortgage process for me. By doing this, I get the opportunity to work with many of them again on their next home loan. I want to make all of my clients a customer for life."

About Heather

Lives in Hendersonville, TN

Graduate of the University of Tennessee-Knoxville

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Sandra Austin




Phone: 615.743.6053
Fax: 615.743.6153

DELIVERING EFFECTIVE ADVICE

“I learned that customers are the No. 1 priority when I was a package car driver for a delivery company. I knew I had mastered the concept when customers were eager to greet me and helped unload my truck. That same philosophy has stuck with me throughout my 13-year mortgage career. I am so thankful to be a part of a firm that knows our clients are our top asset. I may not be delivering packages at the speed of sound anymore, but I am delivering sound and effective advice.”

About Sandra

Lives in Nashville, TN

Attended Tennessee State University 

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Bill Bell




Phone: 615.849.3363
Fax: 615.980.1417

AN HONORABLE GOAL

“My thoughts on what I do are simple; I like to help get people into homes. I’ve worked in the mortgage business for 28 years and each client is special to me. I’m proud of the team we have at Pinnacle and our ability to address each client individually and work to meet their needs in the best way we can. Home ownership is an honorable goal and I’m glad that I have a chance to be a part of the process.”

About Bill

Lives in Murfreesboro, TN

Graduate of Middle Tennessee State University 

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Pam Bullock




Phone: 615.849.3328
Fax: 615.890.1417

WE'RE NEIGHBORS

“I am a ‘homegrown Rutherford Countian’—born and raised in Rutherford County. It’s a joy to drive down the streets of my town and know that I’m helping fill those homes with owners. I’ve even been able to help people in my own subdivision purchase or refinance a home. When I help a client achieve their dream of homeownership, it’s more than a home that they get, it’s a community. I enjoy developing relationships with my clients and earning their confidence not only as a mortgage advisor, but also as a neighbor.”

About Pam

Lives in Murfreesboro, TN

Attended Middle Tennessee State University

Member of the Blue Raider Athletic Association

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Billy Carver




Phone: 615.494.9640
Fax: 615.355.4661

NEVER GIVING UP

“I’ve learned from experience to never give up on home ownership for a client. A couple came to me after relocating to Murfreesboro for a new job.  The couple had filed for bankruptcy the year before.  We worked together to clean up and build their credit. After a year, we were able to get them approved on a great rate and they were buying a home.  Their two children had never had a yard of their own to play in. Now they do.”

About Billy

Lives in Smyrna, TN

Graduate of Hanover College

Basketball coach for Smyrna Youth Basketball League
Soccer coach for Stones River Futball Club
Active in the First Baptist Church in Smyrna, TN

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Liz Cruse




Phone: 615.743.8249
Fax: 615.373.9879

SMOOTH AND SEAMLESS

“I enjoy working for a company that cares so much about making the whole lending experience go as smoothly and seamless as possible. Not only can I help my client buy their first home or third, but I also can put them in touch with someone who can help with retirement accounts, second mortgages or even something as simple as a checking account. I have been a mortgage advisor for 14 years and love the flexibility that we have in our area to take wonderful care of our clients.”

About Liz

Lives in Franklin, TN

Attended University of Tennessee, Knoxville

Lifetime Member of the Associates Council of the Homebuilder’s Association of Middle Tennessee
Foster parent for the Tennessee Baptist Children’s Home
Active in fundraisers for Our Kids

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Melissa Dawson




Phone: 615.620.1244
Fax: 615.620.1294

IT'S ABOUT THE PEOPLE

"I get both personal and professional satisfaction from working with the people who come to us for help. One couple with a new baby on the way came to me in the midst of renovating their home. They needed a new mortgage and wanted to secure it before the baby was born, but challenges kept arising with the renovation process. They were crunched for time. As the baby's due date crept closer, I had a frantic husband and a nervous mother trying to prepare a house while completion kept being delayed. We were able to be innovative and find options to overcome obstacles and close despite the construction delays. My clients literally closed their loan and left for the hospital to deliver the baby on the same day!"

About Melissa

Lives in Kingston Springs, TN

Member of Tennessee Mortgage Bankers’ Association
Greater Nashville Association of Realtors
Williamson County Association of Realtors
Volunteers with Tennessee Respite and Nashville Rescue Mission

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Allen Dixon

Phone: 615.743-8286
Fax: 615.646.0124

TRUST IS EARNED

“After 33 years in this business, I have earned the trust of many clients who continue to come back to me for their mortgage needs. I recently received a call from the son of a client who had been referred to a large national bank by his real estate agent. The scheduled closing date was six days away, and they were refusing to honor their original commitment to him. My assistant of 25 years was able to meet the closing date and everyone was happy.”

About Allen

Lives in Nashville, TN

Member of Tennessee Mortgage Bankers Association

Nashville Mortgage Bankers Association

Active in Charlotte Road Baptist Church

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Jim Dixon




Phone: 615.904.3220
Fax: 615.223.1182

DEPTH OF SERVICES

“The Pinnacle difference lies in the depth of its professional mortgage services. A real estate agent who uses us regularly ran into a problem regarding mortgage insurance with another company the client had chosen. Having worked with us in the past, the agent called our underwriter, who was able to collect necessary documents, place the mortgage insurance with another company and close the loan by the next day. It made me proud of our expertise and ability to overcome obstacles within an incredibly short time window.”

About Jim

Lives in Smyrna, TN

Graduate of Middle Tennessee State University

Certification: APICS

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David Henderlight




Phone: 615.690.4080
Fax: 615.690.4180

TEAMWORK TO OVERCOME OBSTACLES

"We have a team at Pinnacle that knows the meaning of 'pitching in'. I worked with a first-time homebuyer who waited months for a builder to complete her house before receiving the news at the last minute that he would be unable to finish the house. It was the holiday season and she was nervous about not having a home for the holidays! She frantically withdrew her contract and had to switch to a new home-but the new contract was contingent on her closing in two weeks. We started from scratch on a new mortgage, reordering everything from the title to the appraisal. Because everyone worked together, we closed the loan in ten days, just in time for Christmas!"

About David

Lives in Lebanon, TN

Graduate of Carson-Newman College in Jefferson City, TN (1989)

Volunteer for the Woodbine Community Center
Member of the Lebanon Chamber of Commerce

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Ed Hoover




Phone: 615.849.4226
Fax: 615.890.1417

KEYS TO THE FUTURE

“I love being able to help people get into a home they thought they could never afford or maximize their home-buying experience as a long-term investment for their children and grandchildren. The first time I was able to give someone the keys to their house and realize that now their children have a yard to play in, I knew I was in the right career.”

About Ed

Lives in Murfreesboro, TN

Attended Middle Tennessee State University

Member of the Homebuilder’s Association of Middle Tennessee
Member of the National Association of Realtors

Active in First Baptist Church in Smyrna, TN
Boy Scouts of America
Optimist Baseball

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Billy Jakes




Phone: 615.849.3378
Fax: 615.890.1417

A TEAM OF EXPERTS

"Working with the qualified team at Pinnacle allows us to deal with situations that most other organizations struggle with. I got a call one day from a man who had sold his own house and was trying to close on the mortgage to his new place. He started the loan application with another lender and waited and waited for approval. When he called me, he was on the verge of moving out of his sold house with nowhere to go! He asked if I could help with his emergency. Because of the expertise within our team, we knew exactly which documents to focus on and worked quickly and efficiently, closing the loan in two days. That can only happen when you work with a team of experts."

About Billy

Lives in Murfreesboro, TN

Graduate of Middle Tennessee State University
Bachelor's and Master's degrees

Past president of Rutherford County American Cancer Society
Past director, treasurer and campaign chairman of United Way of Rutherford County

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Ross Kinney




Phone: 615.744.3781
Fax: 615.744.3881

RE-DEFINING THE MORTGAGE EXPERIENCE

"Having our mortgage processors here and making decisions locally is a distinct advantage for our clients. Not long ago we lost a potential client when he decided it would be more convenient to finance through his realtor's mortgage company. I was very appreciative of the opportunity and offered our services to the client should he need anything in the future. The morning before the loan closing the client called and told me that the realtor's mortgage company had over promised and was not able to meet his closing date. Needless to say this was a huge problem for the homebuyer. We immediately had the loan package transferred to our office and had a closing package delivered the next morning for the loan closing. That's the advantage of having everything handled locally."

About Ross

Lives in Brentwood, TN

Graduate of Belmont University, Nashville
Bachelor's and Master's degrees

Vice president of the board of Safe Haven Family Shelter
Active in the Nashville and Tennessee Mortgage Bankers Associations

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Jamie H. Lacy




Phone: 615.744.3785
Fax: 615.744.3885

FINDING THE RIGHT SOLUTION

"One of the things I love about being a mortgage advisor at Pinnacle is the opportunity to help people find the right solution for their needs, particularly when we come up with something the client hadn't considered. One couple came in to apply for a mortgage on a new home. They already had a home they loved but thought they had to sell and downsize for financial reasons. After looking at their situation, we were able to refinance their existing mortgage, lower their payments and help them stay in a home they didn't want to leave."

About Jamie

Lives in Nashville, TN

Graduate of the University of Tennessee-Knoxville

Certified Public Accountant
Board member of the Downtown YMCA

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Chris Maultsby




Phone: 615.904.3405
Fax: 615.890.1417

THE PINNACLE HUSTLE

“Pinnacle represents the example of "team work". I had a client call me after his loan with another broker fell through. I received the call on a Wednesday. Working with my mortgage advisor assistant, I was able to submit a loan package by Friday – which is a quick turnaround by all measures. By Friday afternoon our underwriter had approved the loan to close the following week. It’s through hustle and passion that we are able to establish Pinnacle’s reputation of distinctive service and effective advice.”

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Jeff Mayfield




Phone: 615.744.3788
Fax: 615.744.3888

THE "WOW" FACTOR

"I love to try to 'WOW' our clients. Probably the best example was the Arizona family that decided to finance elsewhere for their new home in Nashville. I was skeptical about whether they would be satisfied with their mortgage broker and asked the client to call me if something happened. Little did I know I would get a 5:30 p.m. call from a frantic wife whose family of five was packed up with the moving truck loaded when their mortgage broker called to decline their loan. I gathered the information I needed over the phone and came back that evening to get everything ready for processing. We were able to get the loan processed, approved, and funded the next day.

"Thankfully, not every experience is like this - but it's a great example of what we're trying to achieve for our clients."

About Jeff

Lives in Franklin, TN

Graduate of Belmont University

Active in the Nashville Chamber of Commerce, Young Life, Fellowship of Christian Athletes, Boy Scouts of America, and the alumni associations of Franklin Road Academy and Belmont University

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Sherry McHaffie




Phone: 865.766.3003
Fax: 865.766.3130

BUILDING RELATIONSHIPS

“Buying a home is one of life’s most important decisions, and the mortgage process should not be a stressful part of becoming a homeowner. My goal is to educate clients about the process so they know exactly what to expect from start to finish. It’s wonderful to sit in a closing with a client and share their excitement. After 26 years in the financial business, I’ve learned that by focusing on the relationship rather than the transaction, you create clients for life.”

About Sherry

Lives in Knoxville, TN

Member of Knoxville Chamber of Commerce
Knoxville Women’s Council of Realtors
Active in the First Baptist Church in Powell, TN

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Dana McNerney




Phone: 615.849.4228
Fax: 615.893.0298

HONESTY AND COMMUNICATION COME FIRST

“I love what I do because I'm helping people. I pride myself in strong customer service with honesty and communication as my top priorities. The incredible support I have here at Pinnacle allows me to meet all of my clients’ needs.”

About Dana

Lives in Knoxville, TN

Lives in Smyrna, TN

Active in First Baptist Church’s choir

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Chet Melvin




Phone: 615.773.6614
Fax: 615.758.6289

EXCITING AND REWARDING

"After 30 years in the mortgage industry the one thing that is still exciting and rewarding is being involved with young couples who are purchasing the first home. It's fun to see them years later in the grocery or at the ball-park and have them recognize you and show off their kids, and remember that you were a part of their lives."

About Chet

Lives in Mt. Juliet, TN

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Jenny Middleton




Phone: 615.773.6619
Fax: 615.758.6289

DEVOTED TO LEARNING

"From working my first job as a cashier in a "dime store" to my over 30 years working in the mortgage industry, my life devoted to learning, growing and honing my skills to provide the best service possible to my clients. Constantly educating myself to be knowledgeable of the entire process in keeping up with the latest information along with a strong work ethic allows me to provide that dedicated service. When people think of service, I want them to think of Pinnacle."

About Jenny

Lives in Mt. Juliet, TN

Jenny is among the founders of the city of Mt. Juliet Member of the Gladeville Baptist Church

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John Pope




Phone: 615.466.5458
Fax: 615.466.0021

FULFILLING THE DREAM

"Over the past 15 years as a mortgage banker I have taken great pride in helping families and individuals fulfill the 'American Dream' of having a place to call home. I realize that it's an emotional time for many of my clients. My goal is to ensure those emotions are positive ones. I recently had a family who was very upset with another lender for not delivering what had been communicated. At the 11th hour when it looked like they would not be closing and getting the home of their dreams, they were referred me. Three days later we closed an FHA loan to purchase their new home. Their comments at closing summed it up, 'Why did we waste over 30 nail biting days with the other lender when all it took was three exceptionally smooth days with Pinnacle.'"

About John

Lives in Lebanon with wife Traci and daughter Kennedy and son Garrett

Graduate of Cumberland University

Member of the City of Lebanon Public Works and Transportation Committee
Board of Directors for the Child Advocacy Center serving the 15th Judicial District

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Scott Ractliffe




Phone: 615.743.6006
Mobile: 615.948.2877
Fax: 615.743.6106

EXPERIENCE MATTERS

"I have spent over 20 years in mortgage banking, and personally helped thousands of people across Middle Tennessee with their mortgage needs. There is tremendous satisfaction in becoming someone’s trusted advisor. I enjoy the education process, explaining every detail along the way, so that last minute surprises are eliminated. Asking many questions is as important to me as answering questions. The end result is a mortgage structure that is tailor-made to the individual. Often times, buyers are unaware of the many options available to them. By working toward forming a relationship, rather than concentrating on a single transaction, my clients and I are able to develop a plan that meets not only their immediate needs but also future goals and objectives."

About Scott

Lives in Nashville, Tennessee

President Elect, Tennessee Mortgage Bankers Association

Past President, Nashville Mortgage Bankers Association

Certified Mortgage Banker, CMB, designation from the Mortgage Bankers Association of America

Graduate, Mortgage Bankers Association’s School of Mortgage Banking

B.S., Finance, University of Tennessee

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Daniel Ramer

IT ISN'T AS EASY AS IT LOOKS

Phone: 615.743.6033
Fax: 615.743.6133

"I love making things easy for our clients. One couple was moving across country with their two small children and came to me quite nervous about the process. They had relocated before and it wasn’t a pleasant experience. The last thing I wanted them worrying about was their home loan. After all, they were under a lot of pressure with the stresses of moving their family and getting the kids settled in school - not to mention starting a new life. By partnering with their realtor, we were able to close worry-free from hundreds of miles away. The couple was so grateful that the process went smoothly and they didn’t have to deal with any issues that would have complicated their move. That’s why I’m in the mortgage business."

About Daniel

Attended University of Tennessee

Member of the Nashville Mortgage Bankers Association.

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Mike Stapp




Phone: 615.744.3783
Fax: 615.744.3883

FINDING A WAY TO MAKE IT WORK

"When you don't have to live by rules of standardization that are typical in large institutions, you can be creative and find solutions that work for each client's circumstances. One of my clients was relocating to Nashville and wanted to buy his home before he could actually start his new job. For most lenders, this would not have been feasible, because it's 'outside the box.' I was able to customize a loan that allowed my client to close on his loan and move into his new home before he could actually start work here."

About Mike

Lives in Brentwood, TN

Graduate of the University of Tennessee-Martin

Task Force Leader for the Cystic Fibrosis Foundation's Circle of Hope, active in the Tennessee Mortgage Bankers Association

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John Ward




Phone: 615.743.6033
Fax: 615.743.6133

EDUCATING MY CLIENTS

"With nearly 15 years of experience in the financial services/mortgage industry, I like to educate my clients on what products are best for them. In the past few years mortgage products have been sold to the consumer without regard to their needs. We are now experiencing the ramification these acts. People where placed into products they couldn't afford or were not educated properly on what they were getting. I focus on my clients needs by educating them on the mortgage process and finding a product that fits them personally. I meet with a older client recently that was being offered a product by a competitor that could have put them in a dire financial situation in a few years. I educated them on what they were getting and offered a alternative. I feel I saved them from possibly losing their home where they have lived for the past 30 years."

About John

Lives in Murfreesboro, TN

Past President, Nashville Mortgage Bankers Association

Board Member, Tennessee Mortgage Bankers Association

Graduate, Middle Tennessee State University

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Billy Winfree




Phone: 615.743.8397
Fax: 615.292.0337

ASK MY CLIENTS

"My favorite thing is hearing from my past clients. Recently I received a letter that said: 'Pinnacle's levels of consistent professionalism and friendliness were priceless. I had many questions and wanted to check the mortgage rate frequently, yet never felt I was being a bother. Although, my husband and I were not the only people in TN purchasing a home during the month of May. With the attention we received, we felt like we were. Our experience with both Mr. Winfree and his assistant, Ms. Lutz, was exceptional and we will be doing additional business with Pinnacle as well as referring others. We’re grateful and blessed for your services!'"

About Billy

Lives in Nashville, TN

Graduate, University of Tennessee Knoxville

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Jennifer Ball




Phone: 615.743.6052
Fax: 615.743.6152

WORKING TOWARD A COMMON GOAL

“Working for Pinnacle has given me a new appreciation of my position as a mortgage advisor assistant. Everyone works together to complete a goal, from our Pinnacle team who is so willing to assist to the financial advisors and client service specialists and, most importantly, our clients. Closing loans is a team effort, and I know without a doubt we are committed to delivering distinctive service."

About Jennifer

Lives in Nashville, TN

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Holly Burks




Phone: 615.743.6055
Fax: 615.743.6155

NO SURPRISES

“Buying a home isn’t just about finding the perfect house and living happily ever after. If you don’t have the right people working for you, it can be nightmare. I am honored to be part of a team that stands by its promise of delivering distinctive service. Our mortgage advisors take the time to explain the loan process to clients instead of trying to confuse them with jargon. By the time a loan is ready to close, a homeowner knows what to expect.”

About Holly

Lives in Fairview, TN

Graduate of Middle Tennessee State University

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Connie Cain




Phone: 615.904.3218
Fax: 615.223.1182

WHATEVER IT TAKES

“I have lived in Rutherford County for 28 years and have been in the mortgage business for most of that time. I enjoy helping clients into a new home. I will get the job done in tight time frames—once I helped take a loan from application to closing in three days. I have also helped clients clean up their credit issues, reorganize their debt so they will qualify, and restructure the loan to make it work.”

About Connie

Lives in Rutherford County, TN

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Emily Carman




Phone: 615.904.6476
Fax: 615.890.1417

THE "AFTER-HOURS" DIFFERENCE

"It was after five one evening and I was the last one in the office, getting ready to go home for the day, when the phone rang. Our closing attorney needed to make last-minute alterations to a loan package in order for the mortgage to go through. I stayed late that night to make the changes and ensure that all the details were complete. I didn't think much about it until several days later, when I happened to meet the client in an elevator. Not only did he recognize my name, but he was so grateful that we were there for him in a last-minute crunch. Making a difference for someone is one of the greatest aspects of my job."

About Emily

Lives in Murfreesboro, TN

Attended Nashville Tech

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Traci Christian




Phone: 615.690.4018
Fax: 615.690.4118

WONDERFUL EXPERIENCE EVERY TIME

“Throughout 23 years in the financial services industry, my favorite aspect of the job has always been the client contact. I love working directly with clients to assist them in meeting their financial/mortgage needs and goals. The teamwork and support found here at Pinnacle gives me the ability to provide a wonderful experience to each client—every time.”

About Traci

Lives in Nashville, TN

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Ashley Keeton

Phone: 865.766.3002
Fax: 865.786.3030

MAKING MEMORIES

“At Pinnacle, we are focused on providing distinctive service. From start to finish, my goal is to make sure each loan process goes as smoothly as possible for our clients in what could be a very stressful time for them. It gives me a sense of accomplishment knowing I have a hand in moving them into their new home. I take pride in knowing I help clients during the process and make it more memorable than they could have imagined.”

About Ashley

Lives in Knoxville, TN

Attended the University of Tennessee, Knoxville

Active in the Knoxville Chamber of Commerce

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Amber Lutz




Phone: 615.743.8433
Fax: 615.292.0337

NO STRESS, NO HASSLE

“I find great satisfaction in helping people secure their new home. I enjoy working with the clients throughout the process, whether it’s their first time buying, they’re experienced buyers, or they’re refinancing a home. I keep my focus on the client and strive to make sure the entire loan process is a no-stress and no-hassle experience from loan application to loan closing.”

About Amber

Lives in Nashville, TN

Graduate of Union University

Member of the Nashville Area Junior Chamber of Commerce

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Sharon Moorhead

Phone: 615.743.8294
Fax: 615.646.0124

MAKING A DIFFERENCE

"I recently had a client who had purchased a foreclosure and needed to move quickly. True to form, the bank that was selling the property was not concerned about the timeframe for my client. After much coaxing and prodding I was able to close the loan in 10 days. My client was impressed. She said she had never had a mortgage company work so hard and that I had made her feel like my only client. I feel proud to know that I make a difference."

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Sherry Petty




Phone: 615.849.3352
Fax: 615.890.1417

MAKING DREAMS A REALITY

"Working with first-time homebuyers is always a treat. I remember watching a single mother tell her 5-year-old son that he was going to have his very own room after we helped her buy her first home. Those types of memories, along with the collection of thank-you cards I've received over the years, give me a warm feeling from knowing I've helped make someone's dream of home ownership possible."

About Sherry

Lives in Lacassas, TN

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Barbie Qualls




Phone: 615.743.8246
Fax: 615.744.3798

GOOD VIBES

"We recently worked with a couple who was relocating to Nashville. The couple found their mortgage company through a large online company. They were promised a great deal, low rate, low closing costs, etc. Hours before the scheduled closing, the mortgage company retracted the “approval” status and asked for more documentation. Their closing attorney recommended they call Pinnacle. We stayed late and worked to get them approved. After losing the business, the online mortgage company tried to persuade the couple by offering $1,500 dollars. Our client turned it down. The husband said he felt 'good vibes' from us from the start and would not be swayed."

About Barbie

Lives in Donelson, TN

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Amy Ramey




Phone: 615.849.4206
Fax: 615.890.1417

JUST IN TIME MORTGAGE

"During my first week with Pinnacle, I was still figuring out what kind of company I had joined. That's when a couple came to us who needed to close on their home as soon as possible. The clients were renting when their landlord declared bankruptcy. They were notified that they needed to be out of the premises in one week. They were obviously stressed about all of the decisions they needed to make, but they knew they wanted to buy a home. They weren't sure that the loan on their new home could be closed in such a short time. Because of the great team at Pinnacle and the relationships with local attorneys and appraisers, our clients were homeowners by the end of the week. It gave me a great deal of satisfaction that our team was able to make the process such a positive experience for our clients. I'm happy to be at Pinnacle!"

About Amy

Lives in Murfreesboro, TN

Graduated from Middle Tennessee State University

Active in the Mt. View Baptist Church in Antioch

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Lea Rickard




Phone: 615.773.6616
Fax: 615.758.6289

LOCAL MATTERS

"It is important for the closings to go smoothly and error free. I strive to complete the closing packages accurately and have them to the closing agent in a timely manner, so they will have ample time to prepare, check for errors, and provide figures to the eagerly awaiting borrowers. Developing good working relationships with the closing agents is important to me. We all want the closings to be flawless and when I do what I can to assure this, the closing agents are appreciative and strive even more to do the same. Mutual respect is a big part of the picture. The closing agents also like the fact that the closing packages are prepared locally, rather than out of state by someone who does not even have knowledge of how our property tax year runs. If they are in a closing and need questions answered, we are accessible. They do not have to dial an out of state phone number and start entering options."

About Lea

Volunteer with Agape Animal Rescue
Graduate of Nashville Tech and Southeastern Paralegal Institute

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Beth Sanders




Phone: 615.466.5459
Fax: 615.466.0021

I LOVE MY JOB

"Working in the mortgage business you get to meet a lot of interesting people. I have worked with a wide variety of people---from professional musicians and major league baseball players to your average working Joe. There is one couple that I will never forget. They were first time homebuyers applying for a VA loan. The borrower was on VA disability for a terminal lung disease he had developed in the Navy. He was told that he didn’t have much longer to live. This was around Christmas time and the couple knew this was probably their last Christmas together and they wanted to spend it in their own home. We were able to complete the loan and close a week before Christmas. Helping people fulfill their dream of homeownership is why I love my job!"

About Beth

Lives in Lebanon, TN

Attended Cumberland University and Nashville Tech

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Monica Scruggs




Phone: 615.744.3738
Fax: 615.744.3838

THE POWER OF TEAMWORK

"When a colleague came to me with a last-minute opportunity to close a loan on a quick turn-around and asked for my help, I knew that we could do it. We combined our skill sets and buckled down, and were able to get the loan closed in four days. Because of our teamwork and communication skills, everything just fell into place, as we worked together to make the realtor and our client very happy."

About Monica

Lives in Thompson Station, TN

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Vicky Sever




Phone: 615.744.3784
Fax: 615.744.3884

THE "AFTER-HOURS" DIFFERENCE

"Mortgage loans are a big deal whether you are a first time homebuyer or a seasoned veteran. It takes a lot of communication and organizational skill to bring it all together and meet everyone's expectations. I enjoy the challenges that every day brings. Some deals are as smooth as silk, while others hit a few bumps on the way to closing, but they are always memorable experiences to those involved. It gives me a good feeling to help people through the process."

About Vicky

Lives in Nashville, TN

Attended Illinois Valley Community College

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Donnita Sperlich




IT'S IN THE DETAILS

“There are a lot of steps in securing a mortgage. Everyday I get the opportunity to assist our clients, associates and investors and everyday there are new challenges. What I like about working at Pinnacle is that we’re constantly learning and updating the team on new developments or regulations. I focus on the details to ensure that the mortgage process goes smoothly for our clients in what could be a stressful time. I want to make that process immeasurably better than what our clients would have imagined.”

About Donita

Lives in Franklin, TN

Attended the University of Kentucky

Active in Bethel World Outreach, Youth Life Learning Center and Miriam’s Promise 

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Judy Todd




LONG-TERM RELATIONSHIPS

"Being in the mortgage business since 1990 I've worked with many first time homebuyers. It's very rewarding to help them into their first home but even more rewarding when they return a few years later ready to purchase their second one. I even had a client that sought me out after I came to Pinnacle from another company because they only wanted to work with me. For a client to do that, I feel truly blessed."

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Terry Vaughn




RELATIONSHIPS ARE THE KEY TO SUCCESS

"I have been in the banking/mortgage industry for the past 16 years with the majority being in mortgage. For the past 10 years I have enjoyed working with each client and helping them achieve their dream of homeownership. As we all know purchasing a home feels like one of the biggest steps we take in life. My goal is to ensure that I make the process as smooth as possible so they will remember this to be a positive experience. I feel that relationship building is the key to success."

About Terry

Attended Gulf Coast Community College

Active in Grace Baptist Church in Dickson TN

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