Brentwood, TN · New American Funding
Hey Jerri-Lynn,
what’s my payment?
That’s the question everyone in Middle Tennessee actually wants answered. Text it to Jerri-Lynn and get a real, plain-English number — no forms, no pressure, no jargon.
Loan Officer · NMLS #2857740 · Licensed in Tennessee
Jerri-Lynn Sparling
New American Funding · Brentwood
Meet Jerri-Lynn
The mortgage friend Middle Tennessee texts first
Jerri-Lynn Sparling is a Loan Officer with New American Funding’s Brentwood branch, serving buyers across Williamson County, Nashville, and the rest of Middle Tennessee. Her whole approach fits in one sentence: you should never feel dumb asking a mortgage question, and you should always get a straight answer.
Before lending, Jerri-Lynn spent years on the real-estate side of the closing table — which means she’s seen exactly where deals get stressful, and she structures your financing so yours doesn’t. First-time buyers, move-up buyers, VA and USDA, down payment assistance: she’ll lay out every option side by side and let you choose.
First time? Start here.
Four steps between you and keys
No 20% down required. No perfect credit required. Just a conversation, then a plan.
Text a question
“Can I even buy right now?” is a perfectly good first text. That’s where most people start.
02Get pre-approved
A real pre-approval — income, credit, assets reviewed — so sellers take your offer seriously.
03Know your number
Not the max you qualify for. The payment you’d actually be comfortable with every month.
04Find the help
THDA assistance, gift funds, seller credits — the money most Tennessee buyers never claim.
Loan programs
Every door into homeownership, explained like a friend would
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 — many communities around Nashville and Williamson County qualify, and most buyers have no idea.
Learn more →Down Payment Assistance
Tennessee has real down payment help — THDA’s Great Choice programs can put thousands toward your down payment and closing costs for qualified buyers.
Learn more →No idea which one?
Honestly, that’s the normal starting point. Text Jerri-Lynn what you’re working with and she’ll tell you which programs fit.
💬 Text (314) 402-3858Backed by a top-rated branch
Five stars.4.97 / 5 across 1,237 branch reviews
Jerri-Lynn works out of the New American Funding Brentwood branch — rated 4.97 out of 5 by 1,237 verified clients on newamericanfunding.com. Her own client reviews will appear here as they come in.
No dumb questions
The mortgage glossary, translated
PMI, DTI, escrow, points, rate lock — the industry loves acronyms. Jerri-Lynn doesn’t. Every term on the Learn page gets the friend treatment: what it is, why it matters to you, and what to do about it.
Browse the glossary →Have a question? Just ask Jerri-Lynn.
No pressure, no jargon, no obligation — just a straight answer from someone who knows Middle Tennessee. Text, call, or apply whenever you’re ready.