Memphis Mortgage Loan Officer · NMLS 2478105

The mortgage lender
who shows you
the numbers first.

Most lenders tell you what you qualify for after you apply. Trevor the Financier shows you the real payment, the $0 down path, and your exact next step — before you fill out a single application.

Get My Free Funding Playbook™ See a Payment Snapshot
600+
Min. score for FHA + DPA
$0*
Potential down payment
100+
Lenders in our network
Trevor Forbes — Memphis Mortgage Loan Officer | Your Money Guy™
FHA loans — 580+ credit score
Potential $0 down with eligible DPA
DSCR investor loans — no tax returns
Self-employed bank statement loans
Memphis · TN · MS · Nationwide
Real People. Real Numbers.

This could be you.

You don't need to be rich to own a home. You just need the right lender who runs your numbers before you apply.

🍽️
Keisha
Restaurant Worker
$15/hr · ~$26K/year
Single income · 620 credit score · $0 saved for down payment
$751/mo
Estimated all-in payment
4BD / 2BA · Frayser, Memphis · $89,900
FHA + DPA · Potential $0 out of pocket
✓ Could Qualify Today
🩺
Tamara
CNA Nurse
$18/hr · ~$37K/year
Single income · 635 credit score · No savings
$862/mo
Estimated all-in payment
3BD / 1BA · Whitehaven · $105,000
FHA + DPA · $0 down path available*
✓ Could Qualify Today
📦
Darnell
Warehouse Worker
$20/hr · ~$41K/year
Single income · 610 credit score · $1,500 saved
$921/mo
Estimated all-in payment
4BD / 2BA · Raleigh · $115,000
FHA + DPA · Closing costs covered*
✓ Could Qualify Today
👨‍👩‍👧
Marcus & Destiny
Double Income Family
$22K + $33K · ~$55K combined
2 incomes · 645 credit · Growing family
$1,104/mo
Estimated all-in payment
4BD / 2BA · Bartlett · $145,000
Conventional · 5% down · Room to grow
✓ Could Qualify Today
🍎
Monique
Single Parent · Teacher
$38K/year salary
1 dependent · 628 credit · $500 saved
$988/mo
Estimated all-in payment
3BD / 2BA · Orange Mound · $125,000
FHA + DPA · $0 down · Closed in 41 days
✓ Could Qualify Today
🚔
Jerome
Correctional Officer
$22/hr · ~$46K/year
Single income · 660 credit · $3,000 saved
$1,021/mo
Estimated all-in payment
3BD / 2BA · Cordova · $138,000
Conventional · 3% down · No PMI path*
✓ Could Qualify Today

These are estimated scenarios for illustration only. Run your real numbers in under 5 minutes — free.

Find Out Where You Stand →

Payment scenarios are estimates for illustrative purposes only based on current rate assumptions and listed property prices. Actual payments, qualifications, and program availability will vary. All loans subject to credit approval. DPA subject to program eligibility. Not a commitment to lend.

Who Trevor helps

There's a door for everyone.
Which one is yours?

Whether you've been told no, don't have a down payment, or can't document income the traditional way — there's a path. Find yours.

🏠
First-Time Buyers
Low credit, limited savings, or fixed income. FHA + DPA may create a potential $0 down path to your first home.
600+ May Qualify
💰
DPA Buyers
No down payment saved? Eligible assistance programs may cover the required 3.5% FHA down payment for you.
Potential $0 Down*
📋
Credit-Challenged Buyers
580–659 credit range? FHA has options. If you need more time, TRAINING CAMP™ gets you to closing-ready.
FHA · Training Camp™
🏢
Real Estate Investors
DSCR loans let the property's rental income qualify the deal — not your tax returns.
DSCR · Non-QM · Bridge
💼
Self-Employed Borrowers
The bank said no because your returns show deductions. Bank statement loans use 12–24 months of deposits instead.
1099 · Bank Statement
🤝
Memphis Realtors
Payment Snapshots for your listings. Buyer financing tools for open houses. No other Memphis lender offers this.
Payment Snapshot Tool
The Funding Playbook™

Know your options
before you apply.

5 questions. 5 minutes. A personalized financing roadmap built from your actual situation — not a generic rate quote.

01
Your Field Position
Where you stand today — Sideline to Touchdown — based on credit, income, and goal.
02
Programs You May Qualify For
FHA, DPA, conventional, DSCR, bank statement — matched to your real profile.
03
Your Estimated Buying Power
A realistic price range based on your income and debt picture.
04
Your Next Best Move
One clear action — apply now or build toward it with TRAINING CAMP™.

Your personalized
Funding Playbook™
is free.

Trevor reviews your answers personally and sends back your real financing roadmap — no automated emails, no sales pressure. Just clarity on what's actually possible.

Get My Free Playbook™ →
No obligation · No hard sell · Just your numbers
Loan programs

One broker.
Over 100 lender options.

Banks offer one menu. As a mortgage broker Trevor accesses 100+ lenders and programs — including products banks can't offer.

580+
FHA Loans
Low credit score options with small down payment requirements. Most common path for Memphis first-time buyers.
Learn more → $0*
Down Payment Assistance
Eligible DPA programs may cover the required 3.5% FHA down payment. Potential $0 out of pocket. Subject to approval.
See how it works → 620+
Conventional Loans
Move-up buyer strategy, seller credits, and rate buydown options for buyers with stronger credit profiles.
Explore options → 1.0+
DSCR Investor Loans
Rental income qualifies the loan — not your personal income. No tax returns. Built for Memphis investors.
DSCR guide → 12mo
Bank Statement Loans
Self-employed and 1099 borrowers qualify using 12–24 months of bank deposits — not tax returns.
Self-employed guide → 640+
Non-QM & Bridge Loans
Recent credit events, asset depletion, P&L loans, and bridge financing for investors and business owners.
Investor options →
Payment Snapshot · FHA + DPA Scenario
Sample Frayser Listing, Memphis TN 38127
4 BD · 2 BA · 1,354 sqft · Listed $89,900
Estimated All-In Monthly Payment
$751
FHA @ ~6.99% · P&I + MIP + Taxes + Insurance
Principal & Interest$577
FHA Mortgage Insurance$40
Est. Property Taxes$69
Est. Home Insurance$65
Estimated DTI31.3%
✓ Potential $0 down payment path — eligible DPA program may help cover the required 3.5% FHA down payment (~$3,147)
For illustration only. Not a commitment to lend. Subject to credit, income, AUS, property, and DPA program approval.
Payment Snapshot

See what any home
would cost you monthly.

Before you fall in love with a home — or rule yourself out — see the real all-in monthly number. Payment, taxes, insurance, and your down payment path. Free. 24 hours.

Realtors can request a Snapshot for any active listing. Buyers can request one for any home they're considering.

Request a Payment Snapshot Realtor Tools
Memphis neighborhoods

From Frayser to Germantown
and everywhere between.

Local mortgage guidance for every Memphis neighborhood — with real payment examples for each market.

Frayser
ZIP 38127
FHA · DPA · First-time buyer
Whitehaven
ZIP 38116
FHA · DPA · Move-up buyer
Raleigh
ZIP 38128
First-time buyer · FHA
Orange Mound
ZIP 38114
FHA · DPA · First-time
Midtown
ZIP 38104
FHA · Conventional · First-time
Cordova
ZIP 38018
Conventional · Move-up
Bartlett
ZIP 38133
Conventional · First-time
Germantown
ZIP 38138
Conventional · Move-up
East Memphis
ZIP 38117
Conventional · Move-up
Southaven MS
ZIP 38671
FHA · Conventional · DPA
Olive Branch MS
ZIP 38654
Conventional · Move-up · Top Schools
For Memphis Realtors

Turn open-house traffic into
finance-ready conversations.

Trevor helps Memphis Realtors convert more buyer traffic with tools no other lender in this market provides.

1
Property Payment Snapshot
A branded financing breakdown for any listing — all-in monthly payment, DPA path, and buyer qualification picture. Ready in 24 hours. Free.
2
TRAINING CAMP™ for Not-Ready Buyers
Visitors who can't qualify today go into a structured 90-day plan. Trevor sends them back to you pre-approved — loyal to your name.
3
Listing Walkthrough Videos
Your listing featured on social media with payment breakdown and DPA path. Buyers arrive at your open house already motivated.
"Send me the buyers other lenders turn away. I'll close them now — or train them up and send them back to you ready to write an offer."
Trevor closes buyers with 600+ credit scores and potential $0 down through eligible DPA programs. For buyers who aren't ready yet — TRAINING CAMP™ turns them into future closings.
Realtor Tools & Resources →
RESPA compliant · No referral fee arrangement · Educational partnership only
Frequently asked questions

Memphis mortgage
questions answered.

What credit score do I need to buy a home in Memphis?
For FHA loans, the standard minimum is 580 with 3.5% down. For FHA combined with eligible DPA programs, the typical minimum is 600. Subject to AUS findings, lender overlays, and program guidelines.
Can I buy a Memphis home with no money down?
Eligible DPA programs may help cover the required 3.5% FHA down payment, creating a potential $0 out-of-pocket path. Final cash to close may still include other costs. Subject to DPA program approval and eligibility.
Can fixed income or disability income qualify for a mortgage?
Yes — Social Security, disability, pension, and fixed income can all be used to qualify when properly documented. Many fixed-income buyers successfully qualify for FHA loans with eligible DPA programs.
What is a DSCR loan and who is it for?
DSCR stands for Debt Service Coverage Ratio. The property's rental income qualifies the loan — not your personal income. No tax returns required. Built for real estate investors. Typical minimum 640 score, 20% down.
Why do some cheap Memphis homes fail FHA?
FHA has minimum property standards. Common Memphis issues include roof condition, peeling paint, missing handrails, and structural problems. Alternatives include conventional loans, renovation financing, or seller credits to cover repairs.
What is the Funding Playbook™?
A free personalized financing overview built from your answers to 5 questions. Shows your field position, programs you may qualify for, estimated buying power, and your next best move. Takes 5 minutes. No obligation.
Free · No Obligation · 5 Minutes

Find out where you actually stand.

Fill out the free Funding Playbook™ form. Trevor reviews your answers personally and sends back your real financing roadmap — no automated emails, no sales pressure.

Get My Free Funding Playbook™ Call 901-663-0004
No obligation · No hard sell · Just clarity on what's possible for you.