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Tennessee Mortgage Loans
Home loan options across Tennessee - FHA, VA, USDA, conventional, and investor financing. Serving buyers and homeowners throughout the state.
Quick Answer
Tennessee buyers in Nashville, Knoxville, Chattanooga, and Memphis can compare FHA, VA, USDA, and conventional programs - including THDA Great Choice assistance for first-time buyers - in one of the Southeast's strongest long-term real estate markets. Refinance options are available as listings increase and buyers gain negotiating power heading into 2026. DSCR loans serve Nashville-area investors, while bank statement and alt-doc programs are tailored for the creatives, business owners, and self-employed professionals fueling Tennessee's continued growth.
Buy a Home
FHA, VA, USDA, conventional, and first-time buyer programs. Compare options based on your down payment, credit, and goals.
Explore OptionsRefinance
Lower your rate, shorten your term, or tap your equity with a cash-out refinance. Subject to credit, income, and property guidelines.
Explore OptionsInvest
DSCR loans qualify on rental income, not tax returns. Build your rental portfolio across single-family, multi-unit, and short-term rental properties.
Explore OptionsSelf-Employed
Bank statement loans and alt-doc programs for business owners. Qualify using 12-24 months of deposits instead of tax returns.
Explore OptionsTennessee Mortgage FAQ
What mortgage programs are available in Tennessee?
Tennessee borrowers may qualify for FHA, VA, USDA, conventional, jumbo, DSCR investor loans, and bank statement loans, depending on their scenario. The Tennessee Housing Development Agency (THDA) also offers down payment assistance for qualifying buyers. Subject to credit, income, property, and lender guidelines.
Is down payment assistance available in Tennessee?
The Tennessee Housing Development Agency (THDA) Great Choice Home Loan program offers down payment assistance for eligible first-time homebuyers. Income and purchase price limits apply. Talk with a loan officer about whether this program may fit your scenario.
Are USDA loans available in Tennessee?
Yes. Many rural and suburban areas in Tennessee are eligible for USDA rural housing loans with zero-down financing. Property and income eligibility requirements apply. Ask your loan officer if a specific area or property qualifies.
What credit score do I need for a mortgage in Tennessee?
Credit score requirements vary by program. FHA may allow scores as low as 580 with 3.5% down. Conventional loans typically require 620 or higher. Talk with a loan officer about your scenario and which programs may fit.
Ready to Explore Your Options in Tennessee?
Talk with a loan officer about your scenario. Programs subject to credit, income, property, and lender guidelines.
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