Keith Collins
Mortgage Broker in Middle Tennessee
- Certified Mortgage Planner
- Co-founder, TLC
- NMLS #284900
Serving Brentwood, Franklin, Nashville, Murfreesboro, Williamson County, and communities throughout Middle Tennessee.
Mortgage solutions built around the borrower
Keith Collins is a Certified Mortgage Planner and co-founder of The Lending Collective, an independent mortgage brokerage serving homebuyers, homeowners, real estate investors, entrepreneurs, and self-employed borrowers throughout Middle Tennessee.
With more than 20 years of mortgage experience, Keith helps clients navigate both traditional and complex mortgage scenarios through access to 100+ lending options.
His experience spans conventional, FHA, VA and jumbo mortgages as well as bank statement, DSCR, bridge and non-QM solutions for borrowers whose situation may not fit traditional guidelines.
Mortgage options and areas of expertise
Core specialties
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Bank statement loans
Qualification using bank deposits rather than tax return income.
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DSCR loans
Investment financing qualified on rental income, not personal income.
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Self-employed financing
Strategies for owners whose tax returns don't reflect true cash flow.
Additional products
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Conventional mortgages
Financing for primary, second and investment homes with flexible down payment options.
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VA loans
Purchase and refinance options for eligible veterans and service members.
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FHA loans
Government-insured options with flexible qualification for eligible borrowers.
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Jumbo mortgages
Financing above conventional conforming loan limits.
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Investment property financing
For long-term rentals, short-term rentals and other real estate investments.
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Bridge financing
Access equity or buy your next home before selling your current one.
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Non-QM mortgages
Alternative financing outside traditional agency underwriting guidelines.
Mortgage financing for entrepreneurs and self-employed borrowers
Traditional mortgage underwriting does not always tell the full financial story of an entrepreneur or business owner.
Keith specializes in helping self-employed borrowers understand how income may be evaluated when purchasing or refinancing real estate.
The goal is not simply to find a loan. It is to understand the borrower's complete financial picture and identify an appropriate financing strategy from the available lending options.
POTENTIAL QUALIFICATION PATHS
Traditional tax return
Asset-based
DSCR (investment)
Bank statement
Other non-QM
1099 income
Your Middle Tennessee mortgage broker
Keith Collins and The Lending Collective are based in Middle Tennessee and work with homebuyers, homeowners, and real estate investors throughout the region.
CITIES & COUNTIES SERVED
- Brentwood, TN
- Franklin, TN
- Nashville, TN
- Murfreesboro, TN
- Spring Hill, TN
- Nolensville, TN
- Thompson's Station, TN
- Williamson County
- Davidson County
- Rutherford County
- Maury County
Keith also works with clients purchasing real estate outside Tennessee where appropriately licensed and eligible.
About Keith Collins
- NMLS #284900
Keith Collins is a Certified Mortgage Planner, mortgage broker, and co-founder of The Lending Collective.
Keith has spent more than 20 years helping families, entrepreneurs, business owners, and real estate investors finance residential real estate. His approach combines mortgage strategy, access to a broad wholesale lending network, and an emphasis on understanding each borrower's complete financial situation.
As co-founder of The Lending Collective, Keith helped build an independent mortgage brokerage designed around greater lender choice, transparency, and personalized mortgage advice.
Keith is based in Middle Tennessee and serves clients throughout the region as well as borrowers in other markets where appropriately licensed.
Frequently asked questions
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Keith Collins is a Certified Mortgage Planner, mortgage broker and co-founder of The Lending Collective. He has more than 20 years of mortgage experience and is based in Middle Tennessee.
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Keith serves homebuyers, homeowners, and real estate investors throughout Middle Tennessee, including Brentwood, Franklin, Nashville, Murfreesboro, Spring Hill, Nolensville, Thompson's Station, Williamson County, Davidson County, Rutherford County, and surrounding communities.
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The Lending Collective is an independent mortgage brokerage that provides access to mortgage programs from a broad network of lenders. This allows its mortgage advisors to evaluate multiple lending options based on each borrower's individual circumstances.
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Yes. Keith has extensive experience helping entrepreneurs, business owners, and self-employed borrowers evaluate mortgage options. Depending on eligibility, potential qualification methods can include traditional tax returns, bank statements, 1099 income, assets, and other alternative documentation programs.
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Keith works with bank statement mortgage programs for eligible self-employed borrowers. These programs may use qualifying deposits from personal or business bank statements to calculate income rather than relying exclusively on traditional tax return income.
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Keith works with DSCR financing for eligible real estate investors. DSCR programs may qualify an investment property primarily based on its rental income and required housing expense rather than traditional employment income.
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Yes. Keith works with eligible veterans, active duty service members and qualifying surviving spouses on VA purchase and refinance transactions.
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Yes. Complex financing is one of Keith's primary areas of experience. He regularly works with entrepreneurs, self-employed borrowers, real estate investors, and borrowers with income or asset structures that may require alternatives to standard mortgage qualification.
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A mortgage broker can evaluate programs and pricing from multiple lenders rather than being limited to the products offered by a single bank or mortgage lender. The best option depends on the borrower's individual financial profile, property and financing goals.