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NMLS: #170397

Chris Haynes

Branch Manager

Awards

(4)

President’s Club Award (multi-year winner)

Top 1% Mortgage Originator

Best of Mt. Juliet Winner

5-Star Google Review Rating

Chris is a man who puts his trust in God and strives to live a life of faith that helps others increase in their own faith. He is a Christian, husband, and father of 3 boys. Chris loves helping clients win in the real-world game of Monopoly by buying and owning real estate. He believes that real estate is the single best tool most people have available to help them build wealth.

Born in Logan County Kentucky, Chris now calls Wilson County Tennessee home with his wife, Melissa and their three boys, Brayden, Jackson and Jordan. He loves deer hunting and fishing with his boys and being an active part of his church family at Mt. Juliet Church of Christ, where he serves as a deacon.

Chris feels very blessed to have started his mortgage lending career in 2004, straight out of college. He opened his own branch, with his brother Clint, in 2008. His branch has been in Mt. Juliet, Tennessee since 2010, and serves all of Tennessee as well as 48 other states in the US! In 2021, Chris and his team joined Preferred Rate which gives him the ability to offer his clients the best financial products available today, as well as faster service and closing times. He believes that the best way to build a business is by taking great care of each individual person and creating experiences that matter. He believes in not just helping someone get a mortgage but coaching them on how that mortgage fits into their overall financial picture and can help build long term wealth for their family.

Since 2008, the branch has successfully grown to more than forty-five employees and serves hundreds of clients each year. And yes, Chris still holds the record at his alma mater, Freed Hardeman University, for the most made three-pointers (10) in a single basketball game – just in case you wondered.

One of Chris’ favorite Bible Verses – Proverbs 3:5-6 – “Trust in the Lord with all your heart, and do not lean on your own understanding. In all your ways acknowledge him and he will make straight your paths”.

Licensed in:

AL, FL, GA, IL, KY, MS,, MO, OH, SC, TN, TX, WA

Specialties:

Experienced Multi-State Lending

Mortgage Planning & Financial Guidance

Smooth, Efficient Loan Process

Client-Centered Service & Communication

Lending Specialties

Experienced Multi-State Lending

Mortgage Planning & Financial Guidance

Smooth, Efficient Loan Process

Client-Centered Service & Communication

Chris Haynes's
Awards and Recognition

President’s Club Award (multi-year winner)

Top 1% Mortgage Originator

Best of Mt. Juliet Winner

5-Star Google Review Rating

Chris Haynes's team

Staci Russell
Front End Manager

2055 N. Mount Juliet Rd Ste 100
Mt. Juliet, Tennessee 37122
Branch License #2118991

Wes Westbrook
Mortgage Advisor

Licensed in TN and GA

2055 N Mount Juliet Road, Suite 100
Mt. Juliet, TN 37122
Branch License #2118991

Brandy Conley
Business Dev Manager

2055 N. Mount Juliet Rd Ste 100
Mt. Juliet, Tennessee 37122
Branch License Number 2118991

Susan Marrs
Pre-Approval Manager

2055 N. Mount Juliet Rd Ste 100
Mt. Juliet, Tennessee 37122
Branch License #2118991

Heather Hegle
Pre-Approval Manager

2055 N. Mount Juliet Rd Ste 100
Mt. Juliet, Tennessee 37122
Branch License #2118991

Chellanie Adams
Loan Processor

2055 N Mount Juliet Road, Suite 100
Mt. Juliet, TN 37122
Branch License #2118991

Why work with me?

5.0/5 Rating

386 reviews

20+ years

Of experience

Real clients. Real results.

We can 100% recommend  Chris Haynes and his team to anyone buying/financing a house.Every interaction with the friendly team members was highly professional.  They made the process as easy as it can be, tackling every issue  along the way. Simply the best! Robert and Carolyn Pennekamp

Robert P

Absolutely amazing

Timothy P

Throughout the loan process, we were kept in constant communication and updates, and were very satisfied with the outcome and how effective their office was in securing our loan.

John N

Awesome team and so grateful for them coming in and making things happen. Always available for support and guiding you through the process and special thanks to Odysee is really and understatement. She was a huge blessing. Forever thankful and would definitely send people there way!

Josh M

Excellent company to work with. Had a great experience working with this team. I will use them so in the future

Michael C

Chris and team did a phenomenal job throughout the entire process. Sue and Odysee were patient, responsive, courteous and professional. Bryan, Mary Margaret and Mary from Team Wilson were phenomenal as well. All home buying resources at your fingertips. Impressive! Thank you for making our TN home buying experience a stress free, pleasant and exciting one. What a dream team! God bless you all!

Lisa V

We had a great experience refinancing with  Preferred Rate. From start to finish, their team was both professional and patient, guiding us through every step of the process. Refinancing can feel overwhelming, but their personal approach made it smooth and stress-free. They took the time to answer all of our questions and ensured we felt confident in every decision. We truly appreciated their dedication and support—highly recommend! 

Angie P

We had an exceptional experience working with Chris Haynes and team throughout our home-buying process. They were incredibly knowledgeable, responsive, and supportive from start to finish. Every question I had—no matter how small—was met with clear explanations and genuine patience. Thank you again!

Gina S

I started the process for my very first house using Preferred Rate. Alex Gorman was amazing! I could not have asked for a better, smoother process. Alex made everything feel so easy and stressless as possible. Always available for questions or concerns. Kept me updated on every step of the way, Alex and his team made my first time home buying experience awesome and I would absolutely refer and use again!!

Marissa

I had a great experience. Odysee was absolutely amazing, this was my first time buying a house so I had tons of questions and she was very patient throughout the whole process. I would recommend Chris and his team to anyone looking to buy!

em & t

Good service

Miguel M

Chris and his team did an amazing job as our lender. Easy to get in contact with and provided weekly updates. Super easy process to upload documents and sign electronically. Highly recommend.

Christina C

Chris and his team were a massive benefit to my home buying process. I would recommend their services to anyone! Thanks Chris!!

Hunter J

My husband and I started the process of buying our first home and ended up using Preferred rate in Mt.Juliet TN. Clint and his team have been absolutely phenomenal. I couldn't have anything other than amazing, positive things to say about this entire process. The communication, the kindness, the information. It has all been the most stress free experience for something that's "so stressful"Now we are 13 days away from signing and closing on the cutest place we will finally be able to call home. Couldn't recommend this team more!!The BIGGEST shout out to Rachel!! She was the sweetest and greatest help to us throughout this entire process. She went above and beyond in every way possible.Will definitely be referring everyone here for anyone looking for future home loans!Thank you guys so much! ((:

Olivia Grace N

Chris and his team are the best!  I had several other lenders tell me that I could not get a loan for a home. Chris and his team went above and beyond and proved the others wrong. Go with them and you won’t be sorry.

Lisa B

Chris Haynes, Heather Hegle, Odyssee Chaponot and the rest of the team at Preferred Rate operate at the highest level of professionalism. Over the last 20 plus years Chris has built up a team anyone would he proud of. I cannot stress enough the how easy and straightforwardness they make the process. From the pre-approval to closing, I was always kept in the loop without having to jump through a bunch of additional unnecessary hoops. Thank you and I’m excited on my future relationship with this team of honest hardworking individuals.

ZACHARY N

When I tell you I literally don’t know how this could’ve been any smoother… they were AMAZING!!!!!! We had kind of a wild situation we wanted to make happen and they answered EVERY question with patience. Handled every pivot with grace. They were incredible!  

Shea S

Chris and his team went above and beyond my expectations.

Kevin M

Wonderful experience! Everyone we worked with was knowledgeable and super easy to work with! This is the second home we have purchased with their help and I wouldn't go anywhere else!

John M

We are very pleased with the service that Chris Haynes and his staff provided in obtaining our mortgage.

Melinda K

Chris and his team are very helpful and knowledgeable. They went above and beyond to help me and it is appreciated.

Jerry A

Thank you Matt for an efficient and excellent job . Exceptional attitude and professional care you always deliver.

kevan c

The Chris Haynes Preferred Rate Team made our recent home purchase as easy as a home purchase could possibly be! Odysee Chaponot and Dustin Greenwell communicated regularly and answered any questions that we had promptly and accurately! Thank you Chris, Odysee, Dustin, and the Preferred Rate Team for making this happen so quickly and easily! 

Mike K

Great team and service! Highly recommend

Jake G

Great team and service! Highly recommend

Jake G

Great team and service! Highly recommend

Jake G

Awesome financing experience. Highly Recommended. I had a Manufactured Home, we faced a lot of challenges, Chris and Team tackled all of them quickly and professionally. Closing was fast and smooth. Good Rates, great experience, you can't go wrong with Chris and his team.

Jimmy F

Chris and Team were simply awesome to deal with. They financed my new home and handled every problem quickly and efficiently. To finance your home; this Term is simply the best. Quick, efficient and professional. I highly recommend them.

Jimmy F

Smart, courteous and professional. Recommended.

Ryan W

Fast and efficient!

Stacie K

Chris and his team are awesome

Dorene S

Chris and his team were easy to work with. Our loan process was smooth and easy. They kept us updated on the whole process as it progressed. 

Ryan J

Great people to do business with. They gave 100% yo helping me with my loan. Thank you!!

Diane H

Excellent to work with! Everyone was so helpful and responsive to any questions we had, reached out for updates frequently, and all around made the home buying process a breeze. Would definitely recommend them!!! Thank you!

AnnaGrace H

I have used preferred rate twice now. When I purchased my home and for a refinance and I can say with confidence I chose the right company. The whole team was very professional and helpful in the whole process. Very fast and made things simple for me. Thank you again!

Josh R

Professional, kind and highly responsive from start to finish(closing). Recommend!

Stacy N

Everything went very smoothly! Great people to work with!

Pam C

My 3rd time working with Chris Haynes group. I’ve been very pleased each time and will definitely use them again.

Bin2kay K

They made this process easy and we’re flexible and willing to work with us as hurdles came up.

Melanie A

Best experience.Chris Haynes Team absolute best..they walk you through every step and keep it as stressless as possible they keep you updated and informed every step of the way, and help you all they can! We have used them twice and highly recommend them!

Chanda C

As far as home loans go, this was the smoothest and easiest experience we have had yet. They were on top of everything and communication was good. Thank you for working with us!

Kathy L

Chris helped me and my boyfriend purchase a home. This was my first time purchasing a home and he answered all my questions. Great communication and even showed us houses on Sundays. I would highly recommend reaching out to Chris if you are interested in purchasing a home.

Shannon P

Financing our new home through Chris Haynes was an amazing experience. Laura and Odysee walked with us every step of the way. They were on top of every detail and patiently educated us on all of our questions. These folks are simply great people, never overbearing and truly want the best for you in your new home. We really appreciated all the great work they did. Use them! You won’t regret it.

Greg B

Great experience with Chris and team!

Misty M

We began our home buying process and within less than a month from starting have closed and moved into our new home! The entire team was absolutely incredible and responsive. They got us into our home as quickly as they could while answering all the home buying questions we could have. We also received Tuesday phone calls for updates & that made me feel unforgotten in a process that can have no updates for a minute.  So glad I went with this team and will recommend them to everyone!

Kaylla H

Chris and his team did an excellent job on closing our loan in 3 weeks!

Crystal C

I have done business with Chris and Staci for years. They have always went above and beyond for us. Blessed to have gotten to know them and trust in their guidance and knowledge.

Laura J

Chris and crew were amazing! They answered every one of my questions as soon as I asked them and held my hand every step of the way. I was never in doubt where we were in the loan process and now I’m a homeowner!

Robyn P

Each member of Haynes' Team is professional, patient, attentive and efficient. They made the process of refinancing an existing property and a new mortgage for another property a breeze! Highly recommended. Will definitely use them again!!

May L

Chris & his team hit the mark when working to get my client to the closing table without issue!

Nate T

Chris Haynes and his entire team were absolutely fantastic. You all promised and delivered a quick turnaround that others said couldn’t be done. Your patience and willingness to answer all of my questions and help me and my family complete our first home purchase speaks volumes of your focus on caring for your clients throughout every step of the process. I cannot recommend you enough!

Jon E

Chris and his Team did a great job throughout the whole process.Specifically Odysee who was always available and does not understand the word problem…. Only the word solutions!!

Janie m

This whole team of Jon, Chris, Dustin and Odyssey made this experience much easier during such a stressful, yet exciting moment. They were beside me every step of the way

jason w

Very helpful and informative making sure I knew all my purchasing options. Excellent communication throughout my purchase. Highly recommend this team.

Shane H

Chris Haynes and his staff are skilled at the work they do with home mortgages and financing solutions that help you get the home you want. Their follow-up and follow-through are a great comfort in knowing they care about you the customer during the process that frequently makes us anxious and nervous. Years later, they are still there offering assistance so you know they are there to answer any question along the way!I would absolutely use them again and recommend anyone try them!

Lisa H

I Love the way you all treated me.I keep sending folks to you all, because you are so kind and caring!

Tami H

This team of people are so helpful, so quick to respond and continue to bless us even after we used them.

Ciara C

Great service before, during, and well after the sale.

Chris F

I don’t know how else to say this, but Chris saved my financial future. His faith and generosity literally saved me from a drastic financial ruin. This is not an exaggeration at all. If not for him I would be homeless. He went out on a limb for me and I’m beyond grateful. When I think of Chris Haynes and his kindness it truly makes my heart full. He is a walking, breathing testimony to his faith.He and his team walked me through step by step this past year and now because of them I am secure in my financial situation. I have now been able to refinance my home and am able to make upgrades and renovations to my home that I’ve been hoping to do for years. Thank you specifically to Chris, Laura, and Odysee, for your guidance, professionalism and experience that have me in a secure place.I highly recommend Preferred Rate Mortgage. Professional, caring, experienced, will guide you and advise you to make the entire process as smooth as possible. You can’t go wrong with this team.

Christine Thompson, A

Chris and his team went above and beyond from start to finish. This was our first home purchase, and they made it a seamless easy process. They called every week with an update which was very much appreciated. I can not recommend the team at Preferred Rate enough.

corban s

Some of the best people to work with. Everyone was very patient, helpful, and kind.

Cole P

Their back office staff makes the process simple. On the front end they let you know everything you need unlike some who pester you repeatedly for one thing at a time.

Kevin B

What a pleasant experience from start to finish. Chris and his whole crew were nothing but professional and understanding! In such a crazy market it was good to find a team that would work with us the way that Chris and his team did. If you’re looking for a lender to help you get into your dream home, you have found it!

Sydnie M

I enjoyed the customer service that Preferred gave me in my process.

David M

Chris Haynes simplified our home purchase experience greatly and was very attentive to our questions and needs. Definitely recommend for first-time home buyers.

Matthew P

Preferred Rate was great to work with! Chris Haynes and everyone at the office were incredibly kind. They made the process easy to understand for a first-time buyer. Highly recommend working with Preferred Rate for all your mortgage needs!

Morgan B

Clint Haynes and his team are wonderful to work with. They take awesome care of their clients and truly care. I highly recommend Clint!

Dana C

We had a great experience refinancing our home! Excellent team to work with! We will definitely use the again in the future!

Tara J

The Chris Haynes Team at Preferred Rate is THE BEST! We have used them multiple times with great results. The team is very knowledgeable and responsive. Whether it is your first time buying a home or the 10th, the team at Preferred Rate will get you through it nice and easy! I also love the events they host once you are a client. They make you feel like part of the family! Don't hesitate, this is the way to go! Call Chris' team!

Adam

Chris is great to work with, makes everything really easy.

Felicity C

EXTREMELY KNOWLEDGEABLE, PATIENT AND PROFESSIONAL. HIGHLY RECOMMEND !

Abel G

This is an amazing company! Not only do they provide excellent service and securing Your mortgage loan, but they continue to be part of your life, offering suggestions of even good places to eat, great places to go for entertainment, and all around caring for you way beyond the closing of your loan.

danny t

Excellent team, and Chris Haynes goes above and beyond. We've had the pleasure of using Preferred Rate for both a purchase and refinance loan. Couldn't be happier, and they are always my first call.

Johnathan T

Chris and his team do a amazing job and are very good at communicating throughout the entire process so you know how things are going. I highly recommend them.

Natalie B

Caring amazing people to work with.. I have never worked a team that is all about the customer. What a wonderful experience

Ted B

Chris Haynes and his team did a fantastic job!

Stephen G

Chris and his staff will treat you as family and have the ability to make your dreams come true! Just contact them and let them do their thing, you won’t regret it!

John T

Best mortgage company 👍🏾👍🏾👍🏾

DaShane L

Chris Haynes made securing a housing loan so simple and straight forward. The process was smoothly aided by his staff and as a busy single mom, it was greatly appreciated.

Angela L

Extremely personable and professional mortgage lender. Preferred Rate takes a personal interest in helping home owners achieve their goals. They personally reach out and check in several times throughout the year in order to make sure you and your family are doing well, and to see if there is any help they can offer in providing solutions for any problems you may be experiencing with your home. I recommend them to everyone I know looking to purchase a home or re-finance.

Matt M

Preferred Rate TN handled financing for the purchase of our home when we moved to TN in 2015. They were tremendous everything went very smooth. When we relocated out of TN in 2021, we went absolutely went back to them to handle the purchase of our home in the new state. Chris and his team made the process smooth, great communication with us and absolutely no hitches. Recommend without reservation.

Synthia C

Preferred Rate Mortgage is an awesome place to do business. They are so Customer Service minded. They will take care of all your mortgage needs. Try them out. You will be very happy you did.

Todd A

Chris Haynes and his team at Preferred Rate TN made what could have been an overwhelming experience when purchasing our home so much easier. Everyone there is personable, professional, and patient. We are so glad that we found them. We absolutely recommend them.

Darlene G

Thank you Chris!!!!!

RICHIE H

The team did everything they could to make the transition very easy. Thanks. I would highly recommend this company.

Tom B

Chris and team are great to work with! Very responsive and knowledgeable. Highly recommend!

Melissa d

I have used Preferred Rate for all my properties in Nashville. I always receive top-notch service even in the most difficult circumstances. I highly recommend using Preferred Rate for your house purchasing needs.

allan q

They did a wonderful job of getting me into my new house! Super people to do business with, I would recommend them to anyone wanting to finance a house!Kevin Brauss

Brauss L

Chris and his team took excellent care of us. Never had a company keep in touch like this one!!!

Joe C

Chris and company continue to provide personal and caring customer service and excellent ongoing communications. The success of his company is a reflection of the values he imparts to his family and his own life.

Ann D

The Chris Haynes team was absolutely phenomenal!! Through every single step they made the stress and worry go away!! Very helpful and respectful. We will continue our business with them throughout many years!

ZXNED O

The Chris Haynes Team at Preferred Rate is THE BEST! We have used them multiple times with great results. The team is very knowledgeable and responsive. Whether it is your first time buying a home or the 10th, the team at Preferred Rate will get you though it nice and easy! I also love the events they host once you are a client. They make you feel like part of the family! Don't hesitate, this is the way to go! Call Chris' team!

Adam

Very professional, excellent service.

Clyde H

Chris and his team are awesome to deal with, give them a call. You will be glad you did!!

Jerry J

I highly recommend there service; my wife and I have been very pleased with this organization.

Sam J

Extremely personable and professional mortgage lender. Preferred Rate takes a personal interest in helping home owners achieve their goals. They make a point to reach out and check in several times throughout the year in order to make sure you and your family are doing well, and to see if there is any help they can offer in providing solutions for any problems you may be experiencing with your home. I recommend them to everyone I know looking to purchase a home or re-finance.

Matt M

Chris Haynes puts more care and attention to detail and relationship than most anyone I've ever worked with in such a professional manner. Mix that with his passion for family and kids and the community and he is a top choice. We appreciate him so much and will always go to him first for our home purchasing needs.

Psalm B

Chris provided the best rate and closed in 10 days with the easiest process Ive ever experienced in 5 homes and all refinancing Ive ever had in 2 states. The company helped me with free advice even though I couldnt refinance at the time.

Nicole L

Very knowledgable, professional & communication is great. I've used them professionally & personally and they have always been excellent.

Philip P

Amazing lender!

Jeff L

Very professional. Kept me informed through out the whole process. Would definitely use them again.

Danny K

It was awesome to work with Chris, Mitch, and Elisheba! They really went above and beyond to make our home buying process smooth and quick!

Kelly M

We had a great experience refinancing our home! Excellent team to work with!

Tara J

Honest and reliable. Highly recommend The Haynes Team! They will find a way to get you in your next home at a great rate. Appreciate all the help in this process.

Marc P

They just good and friendly. I like the invites for events happening around. I missed the thanksgiving pie, but next time i will ensure to be there. Thank you

NONSO N

Chris and his team are amazing to work with and I would highly recommend them to everyone looking to buy a house

Miguel M

If you want to work with staff that treat special & personally care about all you needs Chris Haynes-Preferred Rate TN is the place you need. Their concern about me and my needs were over the top. I wish I could give them more than 5 stars-THIS IS THE PLACE FOR YOU.....you can THANK me later

dageminii05 G

Chris Haynes helped us get our home financed. Great guy to do business with. Will use on our next purchase.

Preston M

Personal and caring. Excellent ongoing communication.

Ann D

Chris and team are the best!

Bradford D

Chris, Robert, Odysee and the rest of the team made our recent home purchase a breeze!! They made the whole mortgage process truly seamless. They were responsive and swift to reply to all of our calls and emails. This was the second time we’ve used Chris Haynes and his team and just like the first time, we couldn’t have asked for a better experience when it comes to purchasing our new home! Many thanks to the whole team!

Hannah

Amazing people to deal with. The best experience I have had with a lender.

jamal o

I've complete two loans with Chris. He's great to work with and does everything he can to help the process go quickly and smoothly.

Terry J

Chris and team do any excellent job on new or refinance mortgages. They will treat you right! We highly recommend them!

Mike J

Rachel May deserves a raise. She is the most sincere and helpful person to work with. She fought for and worked so hard for us as first time homebuyers. She always seemed to find or have the answer. Purchasing a first home was all things terrifying and exciting yet she made the process as smooth as it could be. She genuinely cared and treated us more like friends and family than clients. I can’t say thank you enough. Chris Hayes made sure to check in with me throughout the entire process. His team even sent me a gift after I had my newborn baby. The sweetest.Cool people choose his team. Be cool people.

Kidman L

Working with Chris Haynes and his team was an incredibly smooth process. He and his team were very knowledgeable, professional, kind, and patient. They wanted to make sure I had the best possible rate and loan type for my needs with the multiple options out there. I got an great rate and was able to utilize a 2/1 buy down on my interest rate. I had constant contact and updates from day one. You work with Chris directly and have access to everyone on his team personally. I felt like I was their top client and most important priority every time I spoke with anyone. This was my 4th home purchase and I can not remember any of the previous being anything like this experience. One thing that impressed me was in the middle of my closing a question came up on a power of attorney doc that we thought needed to be signed by another party. My realtor called Chris personally and he had the answer right away without haste so that the closing could continue uninterrupted. This is the type of personal professionalism Chris and his team offer. I will look to Chris in the future for any of my home financing needs.

#1 GK B

Chris, Robert and Odysey were ANAZING! This is our second home with Chris and his Team. Top notch all the way!!!

Tony D

Chris and his team are great people to work with. They are very helpful and attentive. We knew we could trust them to do everything they could to help us buy our new home.

Brenda Z

The process went smoothly for the most part.

Lynnette C

Everyone on the team was easy to contact if I had any questions, and they did a great job keeping me in the loop for the whole process!

Justus L

Chris Haynes and his team made the mortgage process easy. I appreciated their friendliness and professionalism.

Betsy K

Grant made every step of our mortgage process super easy, and as smooth as possible.Highly recommended!

ke. m

Chris and his team were available in the evening and weekends as needed! Very knowledgeable and professional! Chris Haynes is very vested in the community which reflects on how he serves his customers!Highly recommend!

Amy W

Chris and his team are smart, knowledgeable and great to work with.Even on weekends we’re available as needed! Highly recommend!

Jason W

Chris and his team went above and beyond to help me. There were some mountains to climb and they did the climbing. Each case is as individual as the person, but that doesn't seem to change their diligence to serve and help people. I'm so very grateful for this team and their dedication. I completely and whole-heartedly recommend them to help you with your mortgage needs.

Chrissy T

Chris and his team went above and beyond to help me. There were some mountains to climb and they did the climbing. Each case is as individual as the person, but that doesn't seem to change their diligence to serve and help people. I'm so very grateful for this team and their dedication. I completely and whole-heartedly recommend them to help you with your mortgage needs.

Christine Thompson, A

Gino was absolutely wonderful. He made this process so easy and was upfront about everything. I highly recommend him to everyone.

Michelle V

Everyone was great to work with. Thanks to everyone there.

Mike T

Team members were very helpful and polite. They explained details about the process and were very responsive to my questions. The Tuesday updates were helpful and very much appreciated. Definitely happy with my decision to go with Preferred Rate! It is my hope to recommend Chris Haynes and his team members to prospective clients.

jerry d

Chris Haynes’s team made buying our first home so easy.

Will J

Working with Chris’s team has been an amazing experience. From the pre approval to the closing of the mortgage Chris and his team made things as seamless as I have ever experienced. Thank you for taking the stress out of buying a new home and starting a new chapter for our family!

David H

Working with Chris’s team made starting our families new chapter stress free. Thanks for making the process so simple and stress free.

David H

The Chris Haynes team worked effortlessly to assist with my mortgage process and were very diligent and patient throughout. Looking forward to working with The Team in the future.

Julian H

I am glad to share with you my success story today , when I started trading binary and forex few months ago , I really don't have the necessary tools to trade and I lost a lot until I met Mrs. JANET MCNOWN who thought me all about the market psychology as She managed my account for me. Today I am grateful to her for her great offer and help because it really changed my financial situation with an investment capital of $1000 and am making $13,600 profits per week right now . If you need her help, contact her via Contact her : WhatsApp:+1(646)-801-8765 Email:[email protected] advice you shouldn't hesitate. She's great.

Bongumusa N

Karen made it happened!!! What an awesome lady.....very detailed, understanding, informative, and most of all very professional!!! I was very excited and glad I got to talk and work with her. If you're out there thinking about getting a home for yourself and need a great place to start, contact Karen S. she will make your dream come through. To add icing to the cake, we got to meet her in person. Thanks Karen for helping us through this process, you're truly appreciated!!

Nannoh F

Highly recommend Chris and his team. Great communication throughout the entire process.

Danny B

Staff was very professional throughout the process. Communicated very well. Everything was straight forward. They provide you with a list of prerequisites that help you cross all T's and dot all I's so there are no missteps along the way. If someone is not available, they get you to someone that can assist promptly.

calhoun1906

Chris and his team are friendly, fast, and efficient. They were quick to answer any questions and made my refinance process stress free and easy. I will definitely use them in the future!

Andi J

Fast, friendly and efficient. I will definitely use this team in the future.

Andi J

We could not be more pleased with Chris and his team! On both occasions, we were impressed with his team’s timeliness and communication throughout the mortgage loan process. If you are looking for a local mortgage lender, I highly recommend reaching out to Chris and the Preferred Rate team for all your home loan needs!

Paul C

The best mortgage company anywhere

Pam H

A very smooth professional experience in refinancing my home. They kept me up to date weekly with no major hiccups. I would recommend The Chris Haynes Team when purchasing or refinancing.

Linda E

Bought 2 homes from Chris - him and his team are "da best". Will do business again! If your looking for a home in the Middle TN area there is no better lender to work with. You have seen the rest, now work with the best!

Richard G

very professional and helpful closed very quickly

Kimberly D

Buying a Home is never easy and sometimes the loan process seems daunting. Chris - Preferred Rate did a fantastic Job guiding me through the perils of paperwork and got the job done. I would highly recommend Preferred Rate to anyone seeking a Home Loan.

Mark S

Communications were great up until the last week. We had to repeatedly ask for the amount of a cashiers check and who it was to be made out to. This caused a lot of stress to get to our bank to cut the check before we closed.

Richard E

My refinance loan went extremally well . Very appreciative of Chris Haynes and his crew for all their help.

Rodney P

Chris and his entire team go above and beyond in terms of service and support. They beat the rates of the big banks yet provide personal service with the friendliest people you’ll ever meet.

Thomas B

Such an amazing company to work with! All processes were smooth and any questions I had were answered very fast!For a first time home buyer- I am very impressed and happy!

Chrissy W

What a blessing it was to find Chris Haynes and his amazing team! Heather was caring, professional, and understanding, guiding me through the entire process while providing reminders and weekly updates at every stage. When Odysee took over in the final stretch, she followed in Heather’s footsteps, quickly answering any questions or concerns we had. I’ve had other lending experiences before, and nothing compares to the clear, smooth loan process with this team. I not only plan on doing business with Chris Haynes again, but I will also highly recommend him to my family and friends as they move to Tennessee and look for a strong, reliable lending team. I truly can’t say enough about my great experience with Chris Haynes and his team—they are just like Tina Turner’s song: “Simply the Best.” Thank you, Chris, for turning what is normally a stressful and sometimes bumpy loan process into one that was organized, seamless, and even joyful. 

Nancy M

Chris and his team are awesome!

Ashton Y

It was a pleasure to work with Preferred Rate. Rachel and Melissa were so kind and patient and supportive with me. If I had to do all over again I wouldn’t change working with Preferred Rate!!! Thank you for making what I thought was impossible possible

Alvarae R

My experience with Preferred Rate was one I will never forget. Rachel Mays made this process so enjoyable and informative she’s the best at making dreams come true. Melissa Dalberg was very patient and good at what she does. Clint has a great team. I will be telling all my friends and family that are in the market for buying a home to call Preferred Rate!!! Thank you to all of you for taking what I thought was an impossible situation and making it possible.

Alvarae “God First” R

Closed on our house recently and Chris and team were amazing! Everything went smooth and better than expected! Very easy to work with, great communication and informative 😊 Would highly recommend Chris and his team!!Thank you for all you guys did! The Hawkins 😊  

Donna L

I enjoyed working with Chris Haynes and his team. They were very informative, knowledgeable, and personable. They made my loan process a breeze.

Madeline F

Chris and his team always make it easy for us. They go above and beyond throughout the whole process and do regular updates and check ins to see if we have any questions. By far some of the best customer service and professionalism that is out there when it comes to lending. A step above the rest! 

Blake B

Chris Haynes and associates handles every facet with experience and professionalism. It is obvious they go the extra mile to take care of the client and have done that for us.We highly recommend at least taking .a look before going elsewhere.

Lela D

This is my 2 nd time refinancing our home and Chris is awesome and his whole crewThanks for always taking care of us

Dimples H

Chris and his team were awesome in helping us go through the process and close on our new home. They were there to help answer all our questions and keep us on track. If you are looking for superior professionals to partner with , they are it! 100% satisfied.

Renee S

This process was very well organized and updated were provided continually.Always able to send a text or email and get an answer right away.They Kept me informed of every step of the way. So I felt confident things were on track and I was getting the best service.Highly Recommend Preferred Rate Mortgage

David S

My husband and I had a great experience working with Preferred Rate Mortgage Company. From start to finish, the process was smooth, transparent, and efficient. The team was knowledgeable and took the time to explain every step, which made me feel confident and informed throughout the entire loan process. I would highly recommend Chris Haynes and his team for any future lending needs.

victoria f

Great to work with. Got me closed ahead of schedule. Always answered questions. And did so quickly. Thank you!!!

Josh N

Made the process easy. Kept me in the loop and ensured everything was done on time. Everything was done remotely with no difficulty. Process was completed quickly.

jemmel0126

Loan Programs

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First Responders – Nurses – Teacher Loans
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Click n’ Close SmartBuy National DPA
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Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property.

We'll watch the market for you

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

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