April Garrett Mortgage Advisor

10/13/2026

Ready to start your home search? Start by calling me to get preapproved!

📲 Start at AprilwithNexa.com or call me direct at 901-833-9910.
April Garrett | Loan Originator
Stafford Mortgage Team Powered by NEXA Lending
NMLS # 1987120 | Company NMLS # 1660690
Licensed in TN
Equal Housing Opportunity

07/08/2026

If you could move into a home you LOVE and keep your monthly payment about the same... would you do it? 🏡✨

So many people are sitting on the sidelines because they think they can't afford to move.

Plot twist... sometimes the numbers tell a completely different story. 💅

Stop letting assumptions make financial decisions for you. Let's look at the actual numbers before you talk yourself out of your dream home.

Drop a 🏡 in the comments if you'd move tomorrow, or send me MOVE and let's see what's really possible. No pressure. No sales pitch. Just the truth.

P.S. You might be one conversation away from realizing your dream home isn't as far away as you think. 😉

07/05/2026

07/03/2026

🐾☀️ It's officially the Dog Days of Summer! Whether your pup is soaking up the sunshine, chasing a ball, or cooling off by the pool, we want to see them!

📸 Share a photo of your furry best friend in the comments and tell us their name! Bonus points for their favorite summer activity. 🐶💙

Because let's be honest... every house feels more like home with a dog waiting at the door. 🏡❤️

06/16/2026

💰 JUST BECAUSE YOU EARN IT DOESN'T MEAN IT COUNTS

One of the biggest misconceptions I run into with homebuyers is thinking every dollar on their paycheck automatically counts when qualifying for a mortgage.

Unfortunately, mortgages don't always work that way. 🙃

Need overtime income to qualify? Lenders usually want to see:

📌 A consistent history of overtime
📌 Income that isn't trending downward
📌 Verification from your employer that the overtime is likely to continue

And here's something else I see all the time...

Let's say your employer says you're a full-time employee working 40 hours a week.

But your paystubs show you're only working 30–35 hours most weeks.

That can become a problem. 👀

Even though you're eligible to work 40 hours, lenders generally have to qualify you based on the income you're actually receiving—not what you could be making.

In other words...

💡 Mortgage qualifying income is based on what's documented, not what's possible.

This is exactly why I like to review paystubs early in the process. Sometimes a quick look can uncover potential issues before they become a last-minute underwriting surprise.

As I always say...

Mortgages don't operate on common sense. 🤦‍♀️

They operate on documentation. 😂

And trust me, the paper trail always wins.

Have questions about your income situation? Drop them below or send me a message. I'd rather help you figure it out now than have underwriting tell you later. 😉

06/09/2026

Mortgage Monday 🏡

If you’ve been watching rates from the sidelines… what would make you feel ready to move?

☑️Rates where they are now
☑️Just a little lower
☑️I care more about the monthly payment than the rate

Drop your answer below — no judgment, just curious.

06/01/2026

June is National Home Ownership Month! If you dream of being a home owner or maybe you already are and want to upgrade or downsize, please call or text me to make a plan!

April Garrett
901-833-9910

05/06/2026

Tacos. Tequila. Pre-approvals. The holy trinity of Cinco de Mayo 🌮🍹📄

Contact me so we can talk about your home ownership goals and get you ready to reach your dreams!

901-833-9910 call or text

04/22/2026

Check out this beautifully renovated home in Cooper-Young area! Listed by one of my partner agents, Caitlin Baudhuin with eXp!

Call me to get you or your client preapproved!

Direct Link:

*PRICE IMPROVEMENT - Now $259,900* Looking for a move-in ready home in the heart of Cooper-Young near Midtown Memphis? This updated 3-bedroom home puts you close to local restaurants, shops, parks, and community events while offering fresh, modern upgrades throughout. Inside, you’ll find new floor...

04/16/2026

We aren’t trying to control your life but just put things on hold until after closing!