Holly Burks

615.690.4018

Judy Todd

615.494.9641

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 

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

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

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

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

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

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

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

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

Phone: 615.744.3782
Fax: 615.744.3882

MAKING A DIFFERENCE IN PEOPLE'S LIVES

"There is a great satisfaction that comes from being able to help someone go through the process of buying their home. One of my clients here at Pinnacle was a single mother who had raised her family on her own and never expected to own her own home. As we sat at her loan closing, she thanked me over and over, telling me how fortunate and excited she was to buy a home and be able to show her daughter she was able to accomplish something so significant."

About Jeff

Lives in Nashville, TN

Graduate of Belmont University

Active in the Fellowship of Christian Athletes, Grace Community Church, and High Call Business Lunches

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

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.

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

EDUCATING MY CLIENTS

Phone: 615.743.6033
Fax: 615.743.6133

"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

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

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

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

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

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