Contact Jenn Otto, Tennessee’s Certified Mortgage Planner

I’m a certified mortgage planner based in Murfreesboro, Tennessee, but I can work with clients all over the nation! To contact me, fill out this form. I typically respond within one business day.


Have a few questions first? Click here to skip to FAQ’s.

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Frequently Asked Questions

  • What documentation do I need to buy a house?

    While every lender is different, here are the documents you’ll need to gather before we meet:

    – Proof of Income

    – W2s and Tax Returns

    – Proof of Identity and Address

    – A Copy of the Purchase Agreement

    – Drivers’ license and Social Security card (or alternative ID)

    – Bank statements

  • What exactly are closing costs?

    Closing costs are the non-refundable expenses associated with closing a loan. They are paid by either the buyer or seller to third parties, which include lenders, brokers and agents. Sometimes they are also referred to as settlement costs or simply settlement fees.

  • How much does it cost to work with you?

    My services come at no cost to you as my fee is paid via the lender, not the borrower. 

  • Can I get a mortgage with bad credit?

    Yes, you can get a mortgage with bad credit. However, the interest rate and terms of the loan may be less favorable than if your credit was stronger. There are a number of lenders who offer mortgages to borrowers with less-than-perfect credit, so it’s important to shop around to find the best deal.


    To improve your chances of getting approved for a mortgage, work on improving your credit score.

  • What education do you provide for first-time homebuyers like me?

    I offer several free educational resources including my blog, courses, and workshops. Find them here!

  • How much home can I afford?

    Download my Mortgage Mapp app for free and receive access to me as well as helpful mortgage and industry tools like a mortgage calculator, daily mortgage rates, video tutorials and mortgage news.