As a Tennessee mortgage broker specializing in move-up buyers, I shop dozens of lenders so you know all your options.
As a Tennessee mortgage broker specializing in move-up buyers, I shop dozens of lenders so you know all your options.
As an independent broker, I'm not tied to one bank's menu. I have 100+ lenders to match you with the right loan. Here are the situations I work in most.
Conventional, FHA, VA, and USDA financing for Tennessee buyers. I'll walk you through which loan fits your situation and budget.
Buying your next home while selling your current one is a juggling act. I structure the financing so the timing actually works.
Both rate & term and cash-out refinance options. We'll run the numbers honestly and only move forward if it genuinely makes sense for you.
Bank statement loans, P&L loans, and asset-based programs for business owners who don't fit the traditional W-2 box.
Your first home, explained in plain English. Step-by-step guidance through the whole process, plus down payment assistance and first-time buyer programs available in Tennessee.
All loan programs are subject to credit approval and underwriting. Not all products are available to all borrowers. Dennis Tulpa, NMLS #1146435 — licensed in Tennessee. Equal Housing Lender.
The path in
I got my start in the mortgage business in 2015 at a Nashville bank, where I took a production assistant job specifically to learn every part of how a loan actually gets done, not just the sales side. By 2017, I was producing my own loans as a loan officer, and I've been at it full-time ever since. In the spring of 2024, I made the jump to the broker channel. The reason was simple: I wanted more tools in the bag for my clients. As a broker, I'm not boxed into one bank's product menu; I can shop dozens of lenders and find the loan that actually fits each situation. Sometimes that means a better rate. Sometimes, a better fee structure. Sometimes it's the only lender willing to underwrite a more complicated story.
Who I work best with
Move-up buyers, repeat clients, and self-employed borrowers — anyone who values a smooth, honest process over slick sales talk. Because I'm a broker, I have access to lender programs (bank statement loans, P&L loans, asset-based) that traditional banks can't offer, which often makes the difference for self-employed and 1099 borrowers.
Outside the work
A Detroit transplant who moved to Nashville in 2007 for the country music scene and never looked back. I live in Hendersonville with my wife and two daughters. When I'm not working a deal, I'm with my family, watching sports, or out for a run.
About the name
A coworker started calling me "Mortgage Cowboy" because I always wear cowboy boots. The joke stuck, and honestly, it fits why I moved to Nashville in the first place.
Dennis Tulpa NMLS #1146435 | Tennessee Mortgage Broker Broadway Mortgage Group, a DBA of The Turnkey Foundation, Inc.
Tennessee real estate agents who send me clients deserve a mortgage broker partner who closes, communicates, and doesn't blow up deals. Here's what I commit to.
Partners also receive co-branded marketing, open-house support, weekly market and rate updates, custom homebuyer guides, and closing gifts for their clients.
Send me a buyer. I'll have them fully reviewed and pre-approved within one business day.
You'll never have to chase me. Weekly status update plus immediate notifications at every milestone.
Every pre-approval is a fully reviewed file. Credit, income, assets, and AUS approval. If a deal hits a snag, you'll know the moment I do, with a plan to fix it.