What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
As your trusted loanDepot loan consultant, I will walk you through every step of the loan process and support you from pre-approval through your closing date. This website will be a useful resource for you throughout your loan process and provides many tools for you to utilize to ensure this is a stress-free experience. Whether you are a first time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs. Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!
TN LIC# 149095
Mortgage Education Videos
powerfullypositive from Shelbyville , TN via Zillow
Mr. Toney, was an exceptional lender I couldn’t have had a better first time home buying experience. I highly recommend him for all of your home buying needs!
mottfamily953 from Forest Hills , TN via Zillow
Jim is very reliable and easy to work with. I would recommend his services anytime and if we ever need another home loan he is the first person we will call!
shabnam from Nashville , TN via Zillow
This was the second time that Mr. Jim Toney helped me. He helped with refinancing my home without any hassle. He was always available to help me through the process and answer my questions promptly. He’s very professional and knowledgeable. I’m very satisfied with his service. Thank you Jim
Jordan and Kaitlin from Spring Hill , TN via Zillow
Jim initially helped my wife and I purchase our first home in Feb. of 2019 - his patience, understanding, and professionalism made what is typically a difficult and stressful process as painless as possible. Two months ago, Jim and I re-connected and he alerted me of reduced VA rates since we'd initially purchased. Since this time, he had his team have gone above and beyond to assist throughout the refinancing process and ensured we were finalized ahead of schedule. I cannot begin to thank Jim enough and would highly recommend his expertise to family and friends!
Terrence Grafton from Old Hickory , TN via Zillow
Jim was very knowledgeable and made the entire process my my wife and I completely seamless. As first time home buyers, Jim was able to make us feel comfortable with everything and took no hesitation to respond in a timely manner to explain any and every question we had.
Charlie T from Hermitage , TN via Zillow
Great to work with and made the process super easy. The whole process was able to be completed online or over the phone with the exception of the closing, which in today's times is super helpful.
John and jana Nixon from Brentwood , TN via Zillow
Jim was very patient with us and really took our concerns to heart. He really showed true professionalism. He was a joy to work with and would recommend him to anyone.
nashvilledavidson from Bellevue , TN via Zillow
Situation could not have gone smoother. Worked tirelessly with my realtor to make the transaction as seamless as possible. Went over and above all expectations!
Mt. Juliet , TN via Zillow
I have used Jim and pacific financial on the past two home purchases both have been great experiences. Jim is always there when I have a million questions to ask and is very quick to respond.
Clarksville , TN via Zillow
Jim was able to take a failed home loan with my previous lender, and turn it into an approval in less than 2 weeks! He was able to explain why it wasn't approved before, then explain how to quickly and efficiently turn it around. He explained the entire process and didn't pull any punches in regards to what needed to be done. By far the easiest person to work with!
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Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.