Morgan Hardy — Tennessee Mortgage Broker
NMLS #1906208 · Licensed with Foundation Mortgage Company · Based in Knoxville, Tennessee
Morgan Hardy
Mortgage Broker · NMLS #1906208
Foundation Mortgage Company · Knoxville, Tennessee
Morgan Hardy is a mortgage broker and investor financing specialist based in Knoxville, Tennessee, licensed with Foundation Mortgage Company. Morgan has been originating mortgage loans since 2019, working with home buyers, homeowners, and real estate investors across Tennessee and multiple states.
As a broker, Morgan works with multiple lenders rather than a single institution — which means access to a wider range of loan programs and competitive pricing across conventional, FHA, VA, USDA, jumbo, and non-QM products. The content on this site reflects Morgan's approach: straightforward, educational, and focused on helping borrowers understand their options.
Credentials and recognition
- NMLS #1906208 — verify at NMLS Consumer Access (nmlsconsumeraccess.org)
- Accredited Mortgage Professional (AMP) — designation from the Mortgage Bankers Association
- NPLA Certified Broker — one of fewer than 100 nationwide recognized by the National Private Lenders Association
- Licensed with Foundation Mortgage Company, 2160 Lakeside Centre Way #100, Knoxville, TN 37922
Areas of focus
Morgan's practice covers the full range of residential mortgage programs, with particular depth in investor and non-traditional financing:
- Home purchase financing — conventional, FHA, VA, USDA, and jumbo
- Refinancing and equity access — rate-and-term, cash-out, HELOC, streamline
- DSCR loans and investor financing — rental properties, short-term rentals, 2–4 units
- LLC and entity borrowing for real estate investors
- Bank statement and self-employed borrower programs
- First-time buyers and down payment assistance programs
- VA loans for Tennessee veterans and active-duty service members
Morgan has personally performed fix-and-flip transactions in Oak Ridge, TN, and holds rental properties in the area — bringing direct investor experience to conversations about investment property financing.
What clients say
"Morgan was great to work with and got us taken care of when multiple others could not. Would definitely recommend."
— Derick M., Knoxville, TN · Google Review
"As a real estate professional I deal with a bunch of different lenders. I wish there was only one, Morgan Hardy!! Not only does he have a ton of knowledge to help my clients but his customer service is exceptional."
— Mike J., Knoxville, TN · Google Review
"Morgan was great. Communication was great and he worked hard to get me through what was a bit of a complicated situation to get to closing. Definitely recommend!"
— Brandy V., Knoxville, TN · Google Review
Morgan maintains a 5.0 average rating across 20+ public reviews. Read more reviews on Experience.com.
Working with a mortgage broker
A mortgage broker acts as an intermediary between borrowers and lenders. Rather than offering only the products of a single bank, a broker has relationships with multiple lenders and can shop your loan across institutions to find the best combination of rate, terms, and program fit.
This is particularly valuable in situations where a single bank might decline a loan that another lender would approve — or where one lender's pricing is significantly better than another's for your specific credit profile and loan type.
Broker compensation is disclosed on the Loan Estimate. Morgan is compensated by the lender on most transactions; the structure and amount are always disclosed in writing before you proceed.
Contact Morgan Hardy
Morgan is available by phone, text, or email — typically Monday through Friday, 8 a.m. to 6 p.m., with evening and weekend availability by arrangement.
615-948-1860 · [email protected]
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