Your Home Starts With the Right Loan — and the Right Person to Walk You Through It
I’m Margarite Cabrera, a bilingual loan officer serving Nolensville, Murfreesboro, Smyrna, and Franklin. I’ll explain every step, answer every question, and never rush you through the biggest decision of your life.
Serving
Middle Tennessee
I Actually Explain Things
Buying a home is exciting — but the mortgage process can feel overwhelming. I believe you deserve a loan officer who takes the time to walk you through every step, in the language you’re most comfortable in.
I have degrees in Business and Urban Studies, postgraduate work in Finance and International Marketing, and deep roots in Middle Tennessee. I bring real expertise and real patience to every conversation. I’m not here to sell you a loan — I’m here to help you find the right one.
Bilingual service — English and Spanish
Licensed in Tennessee, backed by Epic Mortgage (NMLS #2404936)
Serving Nolensville, Murfreesboro, Smyrna, and Franklin
Every question answered, every step explained
More Options Than You Think
You don’t need perfect credit. You don’t need 20% down. I work with a wide range of loan programs to find the one that fits your situation — not someone else’s.
Conventional Loans
Traditional financing with competitive rates for buyers with good credit.
FHA Loans
Credit scores as low as 500. Lower down payments. Designed for first-time buyers and those rebuilding credit.
VA Loans
Zero down payment for eligible veterans, active-duty service members, and surviving spouses.
USDA Loans
Zero down payment for homes in eligible rural and suburban areas — including parts of Nolensville and Smyrna.
Down Payment Assistance
Tennessee offers programs that help cover your down payment and closing costs. I can tell you which ones you qualify for.
Epic Heroes Program
Special savings for first responders, teachers, military, and healthcare workers.
What to Expect When You Reach Out
We Talk
A free, no-pressure conversation about where you are and where you want to be. I listen first.
We Find Your Fit
I review your finances, explain your options in plain English (or Spanish), and recommend the loan program that makes the most sense for you.
We Walk Through It Together
From pre-approval to closing day, I’m with you at every step. No surprises, no jargon — just clear answers when you need them.
Your Neighbor, Not a Call Center
I live and work in Middle Tennessee. I know the neighborhoods, the school districts, and the communities you’re looking at. When you call me, you get me — not a 1-800 number and a robot.
Whether you’re a first-time buyer in Smyrna, upgrading in Franklin, putting down roots in Nolensville, or finding your starter home in Murfreesboro — I’ve been where you’re going and I’m ready to help you get there.
Hablamos Español
If you’re more comfortable in Spanish, so am I. Every conversation, every document review, every question — in the language that feels like home. You shouldn’t have to navigate the biggest purchase of your life in a language that doesn’t feel natural.
Ready to Start? Let’s Talk.
Fill out the form below and I’ll reach out within one business day. No obligation, no pressure — just a conversation about your goals.