About Us

Our Mission

Our mission is simple and clear: “Approach opportunity with humility, communicate honestly, and serve all with integrity!” Our consultation is completely free, and once we review your information, we will provide you with a no strings attached, financing proposal if we can help. 

At Source Mortgage & Funding, Inc., a Tennessee based mortgage broker, we have the experience, financial strength, and personalized service you can count on. As a client of Source Mortgage & Funding, Inc., you will benefit from the personal attention and experience of our licensed mortgage professionals coupled with our wide range of competitive mortgage products. As a result, you can count on Source Mortgage & Funding, Inc. to present you with the most competitive mortgage rates and loans options with your best interests in mind.

Dr. Oliver T. Williams

Loan Officer

As a client of Source Mortgage & Funding, Inc., is pleased to offer you the following benefits:


We don’t keep banker’s hours here. We know that your schedule during the week depends greatly on the type of job you have and the responsibilities you must uphold. Why should you take time off during lunch or during your workday to speak to someone who is supposed to be there to serve you? Whether you need to speak to us at 3pm on a Tuesday or 7pm on a Sunday evening, we’re here to address your concerns.

We’re also more than happy to make reasonable arrangements with you regarding a meeting location to discuss your financial situation face to face; whether it be in our office, a Starbucks, or your own home. Depending on your preferences or the services you require, it may not even be necessary for you to meet with us in person at all. It’s entirely up to you how and when we do business together.

Personal Service

With Source Mortgage & Funding, Inc., there’s no getting transferred from one department to another, and no automated machines that will direct you one way or another when you call. You get to work and speak with a live person, at the time you need to. We believe that part of offering truly personal service includes working around your schedule and dealing with your concerns in a professional, thorough manner. We never leave you in the dark concerning your mortgage loan application. We advise and guide you throughout the entire process, step by step.

Competitive Mortgage Rates

We can honestly say that we offer some of the most competitive rates because we work directly with the same major banks you go to and get a ‘wholesale rate’ that is lower than the rate you would get working with the bank yourself. This is because the bank has lower acquisition costs if they allow us to originate the loan for them.

When we package the loan, the bank has paid us no salary and has spent nothing on associated supplies or office related charges. In exchange for this reduction in their own costs, they offer us lower rates that you cannot get from them directly.

Fully Licensed and Professionals

As a mortgage broker, we are federally regulated and licensed. This means that we undergo background checks and must uphold many, many State and Federal regulations regarding your loan transaction. We don’t believe in hiring pushy salesmen to do this job.

Your mortgage loan will play a major factor in the future of your financial health. It deserves to be handled by trained professionals who will treat the situation with the appropriate amount of respect.

Exceptional Pricing

We run an efficient, well-organized operation here at Source Mortgage & Funding, Inc.. Our overhead is low so that we can price ourselves more competitively than anyone else in the market. We charge no application fee and no deposit.

This means we have to deliver on our word to you before we get paid a dime. We have the experience and incentive to offer you the lowest rate and lowest closing costs possible.

Industry Knowledge and Experience

Does personally originating half a billion mortgage loans since 1999 sound like experience to you? Oliver Williams, CEO, is the private owner of Source Mortgage & Funding, Inc. and has literally originated 500 million dollars in mortgage loan transactions.

This is the kind of experience you can count on. Experience and working knowledge of the market are why you want a mortgage broker in the first place (well, that and the lower rates, right?). Getting the lowest payments and closing costs takes exactly the kind industry knowledge and experience the Source Mortgage & Funding, Inc., has to offer. So, before you endorse, consider the Source and avoid remorse!!!!