THE MORTGAGE DESK · WITH JIM ELKINS

Our mission is simple: We’re here to help you get a better mortgage.

Real mortgage education. Real solutions. Real savings.

Purchase, refinance or plan ahead with clear answers and personal guidance.

Instant QuoteTell us about your loan.
No SSN required. Rate AlertChoose a target rate or
monthly savings goal. Talk to JimPersonal help with your
mortgage questions.

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Learn about home loans, refinancing, VA loans, and more with our video library.

29 years of mortgage experience#1 TN Loan Officer 2020 & 2021#73 nationally in 2021

THE MORTGAGE DESK

A mortgage starts with
a personal conversation.

Your home, your plans and your budget deserve a closer look. Jim helps you understand financing options and decide what makes sense for your next move.

Meet Jim & Janie

What you can expect

Experienced guidance

Work through your questions with Jim’s 29 years of mortgage experience.

Options for your situation

Explore purchase, refinance and investor programs suited to your goals.

A clear next step

Request a personalized quote or set the refinance target that matters to you.

REAL CLIENT EXPERIENCESWhat clients say about working with Jim

5.020 Google reviews*

Read client reviews

KIND WORDS FROM PAST CLIENTS

Real experiences. Personal service.

Hear from homeowners and buyers Jim has helped over the years.

Jelani R.First homeGoogle

“I couldn’t be happier with my first home buying experience. Jim made the entire home-buying process smooth, quick, and stress-free.”

Lisa V.RefinanceGoogle

“Jim was incredible with helping my folks and I with refinancing our mortgage. He is highly recommended. Thank you Jim!”

Michael J.RefinanceGoogle

“Jim Elkins made our home refinancing process smooth and stress‑free. He was consistently available, highly knowledgeable, and delivered outstanding customer service at every step.”

Kimberly C.RefinanceGoogle

“If I could give Jim a 10 I would!! He was so very helpful to us. Thank you for making our refinance so easy. Highly recommend!”

Patrick K.VA refinanceGoogle

“Jim was extremely efficient, professional and quick! He got my VA loan refinanced which seemed like just a few days. I never had to leave the house.”

Jorge S.VA refinanceGoogle

“It was a pleasure working with someone who was knowledgeable, dependable, and focused on providing excellent service. Jim took the time to explain important details, kept everything moving forward, and made sure I understood each step along the way.”

Brenda V.Mortgage experienceGoogle

“Jim Elkins is the best broker we have worked with also. He went over and above with us. He was always available and kept us up on everything.”

Rebecca W.RefinanceGoogle

“Jim truly is the best loan officer I've ever done business with. He answered all my calls, emails, and text messages promptly AND WITHOUT DELAY.”

Tracy M.RefinanceGoogle

“Jim was awesome to work with! He answered all our questions quickly and got us a great rate!”

Alexander S.First homeGoogle

“Jim Elkins Did an amazing job helping me get my very first mortgage! He is definitely one of the best in the industry and is extremely knowledgeable!”

*Google reviews were originally posted for mortgage businesses Jim previously worked with or operated. They reflect clients’ experiences with Jim, not reviews of NEXA Lending. Selected excerpts are shown. Rating and count are a static October 2026 snapshot.

See all 20 reviews

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