Inquiry / Apply

Information

Free Reports

About Us


With a name like Golden Rule, we hope our mission is apparent. Our interpretation effects the way we treat others, how we expect to be treated by others and why we charge less. We really don't see how we can treat others like we would like and charge as much as others do. So our lower rates and fees are only result of the Golden Rule Mission. The only competitors we have that quote rates as low are simply up to a different mission. As we say,"If it's close, somebody is up to something and it ain't me".

Golden Rule Mortgage Company is a family owned business with Tennessee family roots going back to the first settlers of Nashville in 1781. With family members with statues in Centennial Park to those holding positions of police chief, to Judge , we have vested interest in trying to do what is right and honorable for our neighbors.

The founder of Golden Rule Mortgage Co started in the lending in 1980, working as a manager trainee under George Bailey in Jackson, TN. This was not the George Bailey of "It's a Wonderful Life" fame, but the same values mattered. Make good loans, help people through problems, care about people, never just look at profit first, never make a loan that you wouldn't do if you were in the same situation. But after spending almost 20 years specializing in fixing problem branches attending board meetings from Manhattan to Charlotte, things changed drastically in the banking industry. Banks became deregulated and entered businesses other than banking. Got to be the biggest at all cost, profit first business, young MBA's with no experience in life became VP's. But they had to produce profit now. They had no experience. They came up with a plan to make SubPrime mortgages and fast cash for thier banks/careers.  How did this happen? Literally, they ran off everyone who didn't agree and they had the control. (this is why they can't fix it, there is no one left who knows what they are doing). Decades of good lending out the window and bankers stopped caring about quality. When First Union Bank started offering subprime loans concern set in. When First Union made it clear subprime was its focus it was doomed. After spending so many years trying to do it right, in an era where people went to jail for less than was daily practice, it was too much. So in 1999, the founder of Golden Rule resigned with First Union and started up Golden Rule Mortgage Co, convenced that the key is treating others as you would be treated.

There are too many Mr. Potters out there and very, very few George Baileys.  

Education, information, real savings. We strongly believe consumers are smart enough that they do not need a salesperson/ loan officer. We provide individuals the tools to cut out the salesperson middleman, who really does little more than collect copies and hand them to a processor. Why don't you just hand copies to the processor yourself?

Lower Mortgage Costs Through Cutting-edge Mortgage Origination Technology

Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available. In a rush? We welcome you to try our mortgage calculators! The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms.

Highest Quality Mortgage Services

From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We'll keep you informed every step of the way. We're committed to building rewarding, long-term customer relationships. With that in mind, you'll receive the highest quality mortgage services.