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About me

With over two decades of experience in the mortgage lending industry, Michael Thayer serves as the Branch Manager for Guild Mortgage, one of the top ten lenders in the nation. Guild Mortgage is known for its exceptional product offerings and outstanding customer service, and Michael exemplifies these qualities with his consultative approach to mortgage lending. Clients can expect world-class service and a "we will make it happen" attitude from Michael and his team.

Michael understands the significant stress that the mortgage process can create for both homebuyers and sellers. With most of his business focused on purchase-oriented mortgages, he is an expert at closing loans on time and minimizing stress for all parties involved. He provides a straightforward, customized plan for each client, guiding them through the mortgage process with ease and clarity.

Michael's unique financial advisor approach is refreshing. He simplifies complex situations into easy side-by-side comparisons that anyone can understand. By empowering people with the knowledge and understanding they need, Michael provides clients with the clarity they need to make strong offers that stand out in today's competitive housing market.

In addition to his expertise in purchase-oriented mortgages, Michael is also a wizard with refinances, including cash-out refinances, where he shows clients how to manage and pay off debt faster and save thousands in interest. He offers sound investment strategies for second homes and investment properties, ensuring clients maximize their real estate investments.

Beginning his career in 2003, Michael has built a comprehensive understanding of the mortgage industry and possesses in-depth product knowledge. He also contributes to the professional development of real estate professionals in the Greater Nashville Area by teaching continuing education courses. Additionally, Michael hosts the Money Man Mike Podcast and frequently appears as a guest speaker on other real estate and mortgage radio shows.

Michael has received numerous accolades throughout his career, including multiple President's Club awards, Loan Officer of the Month, Rookie of the Year, and Loan Officer of the Year.

Michael's professional life is balanced by his personal life in Nashville, where he resides with his wife, Tammie, and their two children. In his free time, he enjoys the simple pleasures of spending time with his family, exploring new places through travel, indulging in his passion for sports, particularly college and professional football hockey, and cheering for the Boston Red Sox.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.92 out of 5.0 stars
5.0
5.0
4.91
5.0
John H
Feb 20, 2025
Verified

Make no mistake, applying for a home loan is a complex and exhausting process, but Michael, his team and the Guild portal made things as easy as they possibly could. I've been fortunate enough to have gone through this process a few times and I can honestly say this one was the best experience.
Jay
Feb 18, 2025
Nashville, TN
Verified

Michael Thayer is one of the best in Nashville, if not one of the best in the nation. Professional, honest and on time every time.
H
Feb 19, 2025
Verified

Michael Thayer with Guild Mortgage did an exceptional job on a recent transaction where I was serving as the listing agent. The level of communication Michael provided throughout the loan process was phenomenal and the sale even closed a week earlier than scheduled. Absolutely wonderful!
Denise
Feb 18, 2025
Nashville, TN
Verified

Michael's communication regarding every phase of the loan process was absolutely phenomenal and the transaction even closed a whole week early! I was super impressed. Everything was exceptionally well done! Thank you so much.
Charles
Jan 21, 2025
Nashville, TN
Verified

Thanks Michael
Logan T
Jan 10, 2025
Verified

The team at Guild were attentive and proactive throughout the homebuying process, making for a stress-free purchase for us as first-time home buyers.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #173264
I am authorized to do business in the states of Florida, Louisiana and Tennessee.