LOAN PROGRAMS

Solutions as unique as you

Our mission is to educate, empower, and help you obtain the best possible financing for you.


USDA

You may be surprised to learn that this "rural development" loan is available in 97% of the geographic United States. With no down payment requirement and excellent interest rates, this is a great loan option.

FHA

One of the most popular mortgage programs in the country due to its affordability and accessibility, this loan offers a low down payment, excellent interest rates, and reasonable underwriting standards.

Conventional

Many people believe conventional financing requires a 20% down payment, but options actually start as low as 3% or 5%. Conventional loans typically close quickly and offer shorter mortgage insurance terms.

In-House

You don't have to choose between local service and low cost pricing on your mortgage. With down payment options starting at 0%, you can get great home loan financing with a local decision and local servicing.*

*only available to eligible Tennessee residents

VA

Reserved for veterans and active duty military service members, this mortgage program offers these well deserving heroes the advantages of no down payment, no monthly mortgage insurance, and limited closing costs.

THDA

The Tennessee Housing Development Agency (THDA) loan program offers affordable home financing opportunities to residents within a defined income range through down payment and/or closing cost assistance.*

*only available to eligible Tennessee residents

Refinance

While lowering an interest rate is the most common reason, refinancing can also make since to shorten loan term, cash-out equity, eliminate mortgage insurance, change loan programs, or even change servicers.

We can help you evaluate potential benefits.

Home Equity

Our Home Equity SmartLine provides access to cash based on your home's value. With a low 12-month introductory rate, nominal closing cost, and 15-year amortization, this is a great way to utilize your home's equity. *

*only available to eligible Tennessee residents


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