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 Forbes shows you the real numbers, your options side by side, and your exact next step — before you fill out a single application. Move-up buyers, investors, homeowners 62+, and first-time buyers: one local broker, 100+ lenders.

Get My Free Funding Playbook™ See a Payment Snapshot
100+
Lenders in our network
24 hrs
Payment Snapshot turnaround
30+ yrs
Advising clients on their finances
Trevor Forbes — Memphis Mortgage Loan Officer
Move-up & jumbo loans
DSCR investor loans — no tax returns
Reverse mortgages — in-home meetings
Self-employed bank statement loans
Memphis · Shelby County · Tennessee
Real situations. Real strategies.

Which one sounds like you?

Every borrower starts somewhere different. Trevor builds the strategy around your situation — then shops 100+ lenders to execute it.

🔑
Move-Up Family
Selling in Cordova, buying in Germantown
Need the new home before the old one sells — without a contingent offer.
The strategy
Buy-before-you-sell plan · Conventional or jumbo
Illustrative scenario
✈️
Relocating Professional
Moving to Collierville for work
Equity from a higher-cost market and a start date that won't wait.
The strategy
Pre-approved before arriving · Jumbo options shopped
Illustrative scenario
🏢
Real Estate Investor
Buying a third rental in Shelby County
Tax returns show deductions, not the real cash flow.
The strategy
DSCR loan · Qualified on the rent · Closed in an LLC
Illustrative scenario
🏡
Homeowners 62+
Long-time East Memphis homeowners
Want to stay put, retire the mortgage payment, and keep flexibility.
The strategy
Reverse mortgage (HECM) · Met at the kitchen table
Illustrative scenario
💼
Business Owner
Self-employed, growing company
Strong deposits, but write-offs make income look low on paper.
The strategy
Bank statement loan · 12–24 months of deposits
Illustrative scenario
🏠
First-Time Buyer
Renting in Bartlett, ready to own
Wants to know the real monthly cost before falling for a house.
The strategy
Payment Snapshot first · FHA, conventional, or assistance options
Illustrative scenario

Tell Trevor your situation and get your real numbers — free.

Find Out Where You Stand →

Illustrative scenarios for educational purposes only; not actual clients. Loan programs, eligibility, and terms vary by borrower and lender. All loans subject to credit approval. Not a commitment to lend.

Who Trevor helps

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

Moving up, investing, retiring, self-employed, or buying your first home — there's a path. Find yours.

🔑
Move-Up & Relocating Buyers
Selling to buy, buying before you sell, or moving in from out of state. Conventional, jumbo, and bridge strategies.
Conventional · Jumbo · Bridge
🏢
Real Estate Investors
DSCR loans let the property's rental income qualify the deal — not your tax returns. Purchases, BRRRR exits, and cash-out refis.
DSCR · Non-QM · Bridge
🏡
Homeowners 62+
A local reverse mortgage specialist, not a national call center. Face-to-face meetings from the first conversation through signing.
HECM · HECM for Purchase
💼
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
🏠
First-Time Buyers
FHA, conventional, and down payment assistance options — plus a Payment Snapshot so you know the real cost before you shop.
FHA · Conventional · Assistance
🤝
Memphis Realtors
Payment Snapshots for your listings and financing tools for open houses — for every kind of buyer.
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
Conventional, jumbo, DSCR, reverse, bank statement, FHA — 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.

Move-up
Conventional & Jumbo
Move-up and relocation strategies, buy-before-you-sell planning, and jumbo loans shopped across multiple lenders.
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 → 62+
Reverse Mortgages
HECM, HECM for Purchase, and jumbo reverse — with a local specialist who meets you face to face.
Reverse options → 12mo
Bank Statement Loans
Self-employed and 1099 borrowers qualify using 12–24 months of bank deposits — not tax returns.
Self-employed guide → Bridge
Non-QM & Bridge Loans
Recent credit events, asset depletion, P&L loans, and bridge financing for investors and business owners.
Investor options → FHA
FHA Loans
Flexible credit guidelines and a low down payment requirement. A common path for first-time buyers.
Learn more → DPA
Down Payment Assistance
Tennessee and local assistance programs that may help with your down payment. Subject to program eligibility.
See how it works →
Payment Snapshot · What You Get
Sample Layout
Built for the actual listing you send Trevor
Principal & InterestBased on your rate & loan amount
Mortgage InsuranceIf applicable to your program
Property TaxesSpecific to that property
Home InsuranceSpecific to that property
Estimated DTIBased on your income & debts
✓ See your down payment options side by side — and exactly how each one changes your monthly cost on that home.
For illustration only. Not a commitment to lend. Subject to credit, income, AUS, and property 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 — from first homes to move-up and investment properties.

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
Loan Officer · Move-up · Jumbo
Millington
ZIP 38053
VA · New construction · NSA Mid-South
East Memphis
ZIP 38117
Conventional · Move-up
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 breakdown and financing options for every kind of buyer. 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 a clear financing overview. Buyers arrive at your open house already motivated.
"Send me your move-up sellers, investors, and clients 62+ — and every buyer in between. I'll show them the real numbers before they write an offer."
One local broker, 100+ lenders: conventional, jumbo, DSCR, reverse, bank statement, and FHA. 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?
Credit score guidelines vary by program and lender. FHA loans commonly reference 580 as a credit score threshold, while conventional loans commonly start around 620, and assistance programs can add their own requirements. Subject to AUS findings, lender overlays, and program guidelines — a loan officer can confirm exactly where you stand.
Can I buy my next home before I sell my current one?
Often, yes. Depending on your equity, income, and the lender, options include bridge financing or qualifying with both payments temporarily. Trevor maps the timing before you start writing offers.
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. Retirees can also look at reverse mortgage options if they're 62 or older.
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. Credit score and down payment requirements vary by lender — commonly in the 640+ credit range, with a larger down payment than owner-occupied loans, subject to underwriting.
Do you offer reverse mortgages in Tennessee?
Yes — including HECM for Purchase for downsizing. Trevor is local, works with some of the top reverse lenders in the country, and meets homeowners 62+ face to face, from the first conversation through signing.
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.