YOUR MORTGAGE is a click away
615.364.3719our core values
Growth Mindset
Transparent
Above and Beyond
Process Driven
Compassionate
Humble
Integrity
Loyal
Nimble
Derek A. Fleming is a Mortgage Loan Officer with Neighborhood Loans, dedicated to helping individuals and families achieve the American dream of homeownership. After recognizing the powerful role homeownership plays in building generational wealth and long-term financial stability, Derek was drawn to the mortgage industry as a way to combine financial expertise with meaningful, community-centered service. He is passionate about educating clients on their options, removing confusion from the lending process, and providing clear guidance that turns uncertainty into confidence. Known for his integrity, transparency, and reliability, Derek prides himself on building strong, trust-based relationships with every client he serves. He understands that buying a home is one of life’s most important decisions and approaches each transaction with care, accountability, and advocacy. For Derek, success isn’t just measured by numbers or closings—it’s seeing clients receive their keys, knowing he helped them take a major step toward stability and a stronger future. As he continues to grow in his career, Derek remains committed to expanding access to homeownership and making the lending experience as smooth and stress-free as possible.
Here's how we do things
Apply Online
Pre-Approved
Search
to Processing
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
Here's how we do things
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
