Andrew fell in love with Music City after graduating college and moving to Nashville in 2005. With seven years in the mortgage business, you can be assured Andrew knows his way around the mortgage process. Hundreds of clients have trusted his guidance through one of the biggest investments they'll make.  
Andrew is passionate about educating and guiding clients through the purchase or refinance process. Whether you're a first time home buyer or a seasoned veteran, he'll make sure you stay on target for the most sought after words in our industry: cleared to close!  
He spends his free time with his lovely wife, Stephanie, and their 3-year old son, Cal. He loves trying new restaurants, sports and music, going to concerts as well as putting on a show (he's in a band that plays for friends from time to time).  
Contact Andrew today at 615-400-2086 or [andrew.chelton@rate.com](mailto:andrew.chelton@rate.com) and let's get started making your homeownership dream come!

VP of Mortgage Lending

Andrew Chelton is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Andrew is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Andrew at (615) 656-4703 for more information!

Andrew Chelton at Rate (NMLS #1383126)

I have been one of Middle Tennessee's leading mortgage **lenders** for 26 years. I am an 8 time recipient of the prestigious Nashville Mortgage Bankers Diamond Producer Award. Helping families achieve the American Dream is not just my job, it is my passion and commitment. I spent 13 years in the Tennessee Air National Guard after receiving my Bachelor of Science degree from Middle Tennessee State University in Aerospace Administration. I am happily married to my wife Debbie of 22 years and we have 3 sons where we reside on our farm in Franklin, TN. My hobbies while not originating loans in the mortgage world include Fly Fishing, Mountain Biking and Hunting.

Producing Branch Manager

Heath Albritton is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Heath is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Heath at (615) 347-0578 for more information!

Heath Albritton at Rate (NMLS #196453)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Justin M Lee is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Justin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Justin at (865) 406-8486 for more information!

Justin M Lee at Rate (NMLS #461680)

Associate VP of Mortgage Lending

Sam Anto is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sam is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sam at (615) 682-0977 for more information!

Sam Anto at Rate (NMLS #2459050)

Leena George is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Leena is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Leena at (615) 905-0001 for more information!

Leena George at Rate (NMLS #2436631)

Sheila Derreberry is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sheila is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sheila at (615) 823-5302 for more information!

Sheila Derreberry at Rate (NMLS #604668)

Tad Glenn is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tad is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tad at (615) 224-8997 for more information!

Tad Glenn at Rate (NMLS #172879)

With over a decade of experience in the mortgage lending industry, I currently serve as the Vice President of Mortgage Lending. A lifelong Nashvillian, I have dedicated my career to helping families achieve their dreams of homeownership. Married since 2016 and a proud father of two daughters, I embrace the values of hard work and family, which guide both my professional and personal life. My passion for making the mortgage process transparent and accessible has positioned me as a trusted advisor in our community.

Bo Lucas is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bo is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bo at (615) 351-0004 for more information!

Bo Lucas at Rate (NMLS #871859)

Jeff Osburn is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jeff is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jeff at (615) 241-8508 for more information!

Jeff Osburn at Rate (NMLS #771214)

Mike Buffler is a seasoned professional with over 13 years of experience in the Sports & Entertainment Industry, specializing in providing tailored lending solutions to athletes. With a deep understanding of the unique financial needs and challenges faced by sports professionals, Mike has built a reputation for offering strategic financial guidance that empowers clients to manage their wealth effectively and make informed financial decisions.


A graduate of Auburn University, Mike earned a Bachelor of Science in Finance, which has served as a solid foundation for a successful career in financial services. Throughout the years, Mike has developed a unique skill set that blends financial acumen with industry-specific expertise, ensuring that athletes receive the highest level of support in managing their financial goals.


Outside of work, Mike is a devoted husband to Michele, with whom they have shared 30 years of marriage. Together, they have raised two children and enjoy family time. In addition to family life, Mike enjoys hobbies such as golf and snow skiing, which provide a welcome balance to a dynamic professional career.  
With a commitment to excellence and a passion for helping athletes succeed both on and off the field, Mike is proud to continue making a positive impact within the sports and entertainment community.

Mike Buffler is your Franklin local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mike is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mike at (615) 905-0009 for more information!

Mike Buffler at Rate (NMLS #793102)

Franklin

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10 Loan Officers Franklin, TN