Tennessee Home Loans
Tennessee Mortgages From Our Home State Team
Tennessee is where The Smith Mortgage Group calls home, with our branch office in Shelbyville. From the Mississippi River bluffs in Memphis to cabins near the Smokies, Tennessee buyers and owners weigh FHA, VA, USDA, conventional and jumbo loans with us, get a speedy pre-approval and close with a team based right here. Check your options with no hard credit pull.
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Local Expertise, Nationwide Strength
Home Lending Rooted in Tennessee
Few states offer the variety Tennessee does. In a single day you can drive from the Mississippi River bluffs of Memphis, through the rolling farmland and fast-growing suburbs of Middle Tennessee, and up into the ridges and valleys around Knoxville. Tennessee's lack of a state income tax on wages and its strong job growth have made it one of the country's most popular places to relocate, and that demand shows up in busy housing markets across the state. You will find our branch at 605 Delray Street in Shelbyville, in the middle of the state, and Sterling Smith personally handles each client.
Because we live and work here, we understand the differences between buying a farmhouse in Bedford County, a townhome near downtown Nashville, or a home outside Fort Campbell. We size up your finances with no hard inquiry, explain which of the loan programs we offer fit a Tennessee purchase, and can return a pre-approval within 24 hours. Expect a typical closing 30 to 45 days out, and call or text the Shelbyville office at 931-205-9873 whenever a question comes up. New to the process? Our first-time buyer guide is a helpful starting point.
Start your Tennessee pre-approval →Where We Lend
Tennessee metro areas we serve
- Clarksville A fast-growing Montgomery County city shaped by Fort Campbell and Austin Peay State University, popular with military families, rental investors and first-time buyers looking for newer homes. Clarksville mortgages →
- Knoxville Home of the University of Tennessee and a gateway to the Great Smoky Mountains, with nearby Farragut, Maryville and Oak Ridge rounding out East Tennessee options. Knoxville mortgages →
- Memphis West Tennessee's river city and logistics center on the Mississippi, offering historic Midtown homes, affordable starter neighborhoods and established suburbs such as Germantown, Collierville and Bartlett. Memphis mortgages →
- Nashville Music City and the engine of Middle Tennessee, where buyers spread into Franklin, Brentwood, Murfreesboro and Hendersonville in search of space, strong schools and plenty of new construction. Nashville mortgages →
- Shelbyville Our hometown and branch office location in Bedford County, known for Tennessee Walking Horse heritage, a classic courthouse square and easy access to Tullahoma and Murfreesboro. Shelbyville mortgages →
Buying in Tennessee
Tennessee Buying Considerations, East to West
Tennessee's geography affects what you buy and how you insure it. West Tennessee sits near the New Madrid seismic zone, so some Memphis-area owners consider earthquake coverage, while low-lying areas along rivers and creeks statewide can fall within mapped flood zones. Severe spring storms and occasional tornadoes are a reality across Middle and West Tennessee, making roof condition and insurance review important. Up on East Tennessee's ridges and mountainsides, a home may come with a steep drive, a private road or a well and septic setup that underwriting will want documented.
Away from its major cities, Tennessee is largely small towns and farmland that can satisfy USDA's location test. Property taxes are set at the county and city level, so the same purchase price can produce different monthly payments depending on where you buy. Tennessee also has a large military and veteran population, centered on Fort Campbell and spread statewide. Volunteer State and local assistance funds may lighten your upfront costs, and your pre-qualification is where we find out whether you meet their terms.
Loan Programs
Popular Tennessee Loan Programs
USDA loans across rural and small-town Tennessee
From Bedford and Coffee counties to the countryside around Jackson and the Cumberland Plateau, many Tennessee communities may fall within USDA-eligible areas. Across rural Tennessee, USDA loans generally ask for 0% down from qualifying buyers, within the program's income ceilings and location boundaries.
VA home loans for Tennessee veterans and Fort Campbell families
Tennessee is home to a large military community. Tennessee veterans and troops near Fort Campbell or anywhere else in the state can frequently buy with zero down and no monthly mortgage insurance, and FCM tacks no lender fees onto the VA loan. VA IRRRL refinancing can also help current VA borrowers lower their rate.
Jumbo financing for Williamson County and Nashville's higher-priced homes
In Brentwood, Franklin and other premium Middle Tennessee neighborhoods, purchase prices can exceed conforming loan limits. That is the job of a jumbo mortgage, which usually calls for strong credit, ample reserves and closer scrutiny of earnings and assets. We help you document assets cleanly so the file moves smoothly.
Answers
Tennessee mortgage FAQs
Where is The Smith Mortgage Group located in Tennessee?
Visit us at 605 Delray Street, Shelbyville, TN 37160. Sterling Smith serves Tennessee clients by phone, text and email, so a buyer in Memphis or Knoxville gets the same hands-on attention as a neighbor here in Bedford County.
Are USDA loans available in Tennessee?
Yes, and they are widely used here. Plenty of Tennessee's small towns and countryside pass USDA's location rules, though the downtown cores of its cities generally do not. What your household earns has to stay under USDA's limit for the county too. We can check a property address and your eligibility before you start making offers.
Does Tennessee offer down payment assistance?
Tennessee buyers within certain income and price limits, among other conditions, may tap state or local assistance. Rules and funding change over time, so we help you check eligibility based on your situation and the area where you are buying rather than relying on outdated information.
What is a realistic closing timeline for a Tennessee purchase?
The usual Tennessee timeline from contract to closing runs 30 to 45 days, and a qualified buyer with paperwork already assembled can occasionally finish in 21. Appraisal timing, title work and how quickly paperwork comes back all play a role. Our process timeline explains each stage.
Can I buy in Tennessee if I'm relocating from another state?
Absolutely. Relocating buyers are a big part of Tennessee's market. Your application, paperwork and pre-approval can all be done before you move to Tennessee, and we keep your agent and title company in sync so closing goes cleanly while you are still packing up in another state.
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