Independent mortgage brokerServing Tennessee · NMLS #2897478
Serving Tennessee · NMLS #2897478

Your dream home, funded faster.

Review available loan options through our approved lender network and talk to a licensed loan officer — no spam, no pressure.

  • No credit pull to start a conversation
  • Closing timelines vary by loan, documentation, and underwriting
  • A licensed loan officer follows up personally
Calculators

Run the numbers before you call.

$450,000
20% · $90,000
6.5%
Term

Estimate only. Actual rates, terms, and fees depend on credit profile, loan program, loan amount, property type, occupancy, market conditions, and underwriting approval.

Estimated monthly P&I
$2,275
Loan amount $360,000 · 30-yr · 6.5%
With est. tax & insurance$3,213/mo
Total interest over term$459,160
Why us

A smarter way to borrow.

Competitive rates

We review available loan options from our approved lender network based on your profile and underwriting.

No surprises

Transparent fees and a clear timeline from application to closing.

Real loan officers

Talk to a licensed expert — not a chatbot.

Compare

Find your perfect fit.

Side-by-side at a glance. Minimums are illustrative.

Apply with Karim →
Also availableNon-QMDSCRBank statementHard moneyConstructionCommercial
The journey

From apply to keys in 5 steps.

Closing timelines vary by loan type, borrower documentation, appraisal, underwriting, title, and investor requirements.

  1. Step 1Apply

    Tell us what you need. A licensed officer follows up to start your file.

  2. Step 2Pre-approve

    Upload docs from your phone.

  3. Step 3Shop

    Hunt with a real Loan Estimate in hand.

  4. Step 4Underwrite

    We verify, appraise, and clear conditions.

  5. Step 5Close

    Sign, fund, and get the keys.

Reviews

What our borrowers say.

Sample reviews for demonstration only.

Closed in 21 days. The team kept me updated daily and got me a rate 0.5% lower than my bank quoted.
Rachel M.Nashville, TN · sample review
First-time buyers and they walked us through every step. No hidden fees, no surprises at closing.
James & Priya R.Memphis, TN · sample review
Refinanced and dropped my payment by $340/mo. Process took less than a month start to finish.
Marcus T.Knoxville, TN · sample review
Partners

The people behind your loan.

Licensed professionals you can verify with the NMLS.

Karim Shaik

Mortgage Loan OriginatorNMLS #2003419View profile →

Ready to make it official?

Apply securely through Karim’s application link. Your information goes straight to Karim.

Nivaas Home Loans LLC
3317 High Peak Way
Franklin, TN 37067