Branch Manager

Chris Haynes

Branch Manager NMLS# 170397 Licensed in AL FL IL KY OH TN TX WA

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(615) 288-4452 chaynes@preferredrate.com

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

About Chris Haynes

Your mortgage is personal, and I understand that.

Whether it’s shooting three-pointers, fishing with his three sons, or helping new borrowers structure a loan in a way that fulfills their dream of homeownership, Chris is going to work hard to be sure his efforts are successful. Born in Kentucky, Chris now calls Mt. Juliet, TN home with his wife, Melissa, and three boys, Brayden, Jackson, and Jordan. He loves hunting and fishing with his boys and being an active part of his church family at Mt. Juliet Church of Christ. Chris feels very blessed to have started his mortgage lending career in 2004. He opened his own branch, with his brother Clint, in 2008. Now established in Mt. Juliet and the Middle Tennessee area, he has been running his business and serving his clients and community for over 13 years. In 2021 he 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. But because he still believes in the importance of relationships, Chris and his team take the time to try and meet every client and every realtor in-person to ensure they are taking care of their mortgage needs. 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 Hardiman University, for the most three-point shots in a single basketball game – just in case you wondered.

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Chris Family 2

We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Chris's team

grant ramsey

Grant Ramsey

Team Captain

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

krystyna bowling

Krystyna Bowling

Loan Partner

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

robin lake

Robin Lake

Executive Administrative Asst.

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

brandy conley

Brandy Conley

Business Dev Manager

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

staci russell

Staci Russell

Front End Manager

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

cindy shields

Cindy Shields

Office Manager

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

sherry crews

Sherry Crews

Marketing Manager

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

Group 261

Kimberly Plowman

Loan Partner

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

Group 261

Brittnye Frederick

Loan Partner

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

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Chris's clients have to say

calhoun1906

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. ... Read More

Aug 26, 2022

Andi J

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!

Aug 18, 2022

Andi J

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

Aug 18, 2022

Paul C

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! ... Read More

Aug 16, 2022

Pam H

The best mortgage company anywhere

Aug 10, 2022

Linda E

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.

Aug 06, 2022

Richard G

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!

Jul 27, 2022

Kimberly D

very professional and helpful closed very quickly

May 15, 2022

Mark S

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. ... Read More

May 05, 2022

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ Corp BK 1014819. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV