Helping Families Put Down Roots
in Middle Tennessee

Local mortgage guidance for homebuyers, homeowners, and investors.
Based in Williamson County. Serving Middle Tennessee.

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LOCAL LENDING.
PERSONAL GUIDANCE.

AP Lending is a local mortgage brokerage based in Williamson County, helping buyers, homeowners, and real estate investors throughout Brentwood, Franklin, Nashville, and Middle Tennessee find financing that fits their goals.

As a mortgage broker, we aren't limited to the products of a single bank. We compare options from multiple lenders to help our clients find the right fit—whether they're buying their first home, moving into their next one, refinancing, or financing an investment property.

We believe the mortgage process should feel personal, clear, and straightforward. That means responsive communication, honest guidance, and having someone you can actually call when you have a question.

Explore Your Options
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Meet Austin Polivka

Mortgage Broker & Founder of AP Lending

With nearly a decade of experience in the mortgage industry, Austin Polivka founded AP Lending to offer borrowers something different: experienced mortgage guidance with the accessibility and personal service of working directly with your broker.

Austin works with homebuyers, homeowners, and real estate investors across Middle Tennessee, from first homes and straightforward purchases to more complex financing scenarios. His focus is simple: find the right loan strategy, communicate clearly, and keep the process moving from application to closing.

NMLS #1461768

MEET AUSTIN →

What We Do

Explore home purchase, refinance, investment, and commercial financing options with guidance tailored to your goals.

Financing for Every Stage

  • We help clients explore a range of financing options, including:

  • Whether you're purchasing your first rental property or growing an existing portfolio, we can help you explore financing solutions designed for real estate investors.

  • Whether you're purchasing, refinancing, or expanding commercial real estate holdings, we help business owners and investors explore financing options tailored to their property and long-term goals.

  • Some projects require flexible financing solutions that don't fit traditional lending guidelines. We help borrowers explore private and hard money lending options for investment, renovation, and time-sensitive opportunities.

  • Whether you're looking to lower your rate, reduce your monthly payment, shorten your loan term, or access equity, we can help you evaluate refinance options and determine what makes sense for your goals.

The mortgage world doesn't have to be complicated. Explore our latest articles covering homebuying, refinancing, real estate investing, and common questions borrowers ask throughout the lending process.

Recent Articles

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What Our Clients Are Saying
★★★★★

  • "Five stars all around. Quick easy and great communication! Will definitely use again for all my lending needs. Thanks AP!"

    — Jay Dalgarn

  • "Finally a lender who operates in 2026! Austin matches the best customer service, timeliness, cost and knowledge with the smoothest tech, emails and processes. Refinancing my house was easier than buying a new pair of jeans with Austin, so easy and smooth.. After credits and his magic, my refi cost thousands less than my other quotes. Can't recommend enough!"

    — JJ Tomlin

  • "Austin and team were great. One of the easiest mortgages I have done!"

    — Craig Sroda

  • "Excellent service, very transparent, and always available throughout the entire process! Austin made buying our first home extremely straightforward, and answered any questions we had!"

    — Matthew Zinzilieta

  • "AP Lending was the easiest to work with when buying my first home! Austin was the most generous with his time, worked around my crazy schedule and even did a lot of unprompted legwork to save me roughly $2000 more dollars! Working with Austin truly felt like a working with my big brother who was just excited for me. Will absolutely use him again in the years to come."

    — Natalie Gadke

  • "Austin Polivka with AP lending is great! Very helpful, quick to answer all my questions and explains everything in a way you can understand! I will be highly recommend AP lending to all my friends and family!"

    — Raegan Holmes

Rated 5 Stars on Google →

READY TO PUT DOWN ROOTS?

Whether you're buying a home, refinancing, or simply exploring your options, we're here to help. Send us a little information and Austin will be in touch to talk through your next step.

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