Helping Families Put Down Roots

Helping homebuyers, homeowners, and investors navigate their next move across Middle Tennessee.

At AP Lending,

We believe a mortgage is about more than financing a home—it's about building a life.

As a mortgage broker serving Nashville, Franklin, Brentwood, and communities throughout Middle Tennessee, we help homebuyers, homeowners, and real estate investors compare loan options from multiple lenders so they can make informed decisions with confidence.

Whether you're purchasing your first home, refinancing your current mortgage, or growing an investment portfolio, we're here to provide clear guidance, answer your questions, and help you find a financing solution that fits your goals.

Explore Your Options

What We Do

Explore home purchase, refinance, and investment loan options with guidance tailored to your goals.

Financing for Every Stage

We help clients explore a range of financing options, including:
Whether you're purchasing your first rental property or growing an existing portfolio, we can help you explore financing solutions designed for real estate investors.
- Investment Property Loans
- DSCR Loans
Whether you're purchasing, refinancing, or expanding commercial real estate holdings, we help business owners and investors explore financing options tailored to their property and long-term goals.
Some projects require flexible financing solutions that don't fit traditional lending guidelines. We help borrowers explore private and hard money lending options for investment, renovation, and time-sensitive opportunities.
Whether you're looking to lower your rate, reduce your monthly payment, shorten your loan term, or access equity, we can help you evaluate refinance options and determine what makes sense for your goals.

The mortgage world doesn't have to be complicated. Explore our latest articles covering homebuying, refinancing, real estate investing, and common questions borrowers ask throughout the lending process.

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What Our Clients Are Saying
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"Five stars all around. Quick easy and great communication! Will definitely use again for all my lending needs. Thanks AP!"

— Jay Dalgarn
"Finally a lender who operates in 2026! Austin matches the best customer service, timeliness, cost and knowledge with the smoothest tech, emails and processes. Refinancing my house was easier than buying a new pair of jeans with Austin, so easy and smooth.. After credits and his magic, my refi cost thousands less than my other quotes. Can't recommend enough!"

— JJ Tomlin
"Austin and team were great. One of the easiest mortgages I have done!"

— Craig Sroda
"Excellent service, very transparent, and always available throughout the entire process! Austin made buying our first home extremely straightforward, and answered any questions we had!"

— Matthew Zinzilieta
"AP Lending was the easiest to work with when buying my first home! Austin was the most generous with his time, worked around my crazy schedule and even did a lot of unprompted legwork to save me roughly $2000 more dollars! Working with Austin truly felt like a working with my big brother who was just excited for me. Will absolutely use him again in the years to come."

— Natalie Gadke
"Austin Polivka with AP lending is great! Very helpful, quick to answer all my questions and explains everything in a way you can understand! I will be highly recommend AP lending to all my friends and family!"

— Raegan Holmes