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August 17, 2026

Welcome to MF Lending. Start here.

Welcome. Here’s what this is.

An honest read on the Nashville market, and a few pieces worth starting with.
Nashville, Tennessee  ·  🩩  ·  Notes From the Field
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The First Edition
Welcome. Here’s what this is.
An honest read on the Nashville market, and a few pieces worth starting with.
By Michael DiLucchio  ·  Nashville Mortgage Lender  ·  August 14, 2026

You’re getting this for one of two reasons. You subscribed to my newsletter on beehiiv, or you’re an agent I work with in the Nashville market. Either way, welcome. This is the new home for my writing. It’s built to be a resource for agents.

Here’s the deal. When something worth knowing crosses my desk, I write about it. A rate move. A rule change. Something I’m seeing in the market. Sometimes that’s an in-depth argument. Sometimes it’s market commentary and what it means for Nashville buyers and sellers. Some weeks that’s one email. Some weeks it’s more.

This isn’t chasing headlines. It’s commentary from inside the market.

There’s a second section. The Case File. True stories of real Nashville clients the standard mortgage box measured wrong. Self-employed, asset-rich, freshly exited. Names changed. The numbers are real.

That’s the whole promise. An honest read, written by someone who does this every day, sent when there’s something worth saying. If it isn’t for you, the unsubscribe link is at the bottom of every email. One click, no questions asked, no follow-up emails. No hard feelings.

I’ll see you next week.

— Michael

 
🩩 If you read nothing else
Start Here
New to the column? These are the pieces I’d hand you first.
Lending Rules
Your Condo's HOA Just Became More Important Than the Market
New Fannie and Freddie condo rules took effect this week. What your building's board does in a conference room will move your condo's value more than anything the Fed does.
Read it →
Mortgage Market
The Old Market Showed Up Today
For six months, headlines have driven mortgage rates. This morning, data did instead. That's worth explaining.
Read it →
Case No. 004
The Doctor Everyone Told to Wait
A physician household wired $10,000 in earnest money on an $850,000 house. At closing, the title attorney slid roughly $6,000 back across the table.
Read it →
Case No. 002
The Musician Who Couldn't Buy a House in the Town He Helped Build
He had the cash, the career, and eight years of steady work. His tax returns said he could afford less than half the house he was standing in.
Read it →
The Case File: True stories of approvals the standard box said no to. Open the full file →
Visit the site →
The full archive and The Case File live there.

Michael DiLucchio, NMLS #1638482  ·  Guild Mortgage Company, NMLS #3274  ·  Equal Housing Lender
901 Woodland St Ste 04-143:3, Nashville, TN 37206
This is market commentary, not a commitment to lend. All loans subject to underwriting approval.

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