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Top 5 Tennessee Mortgage Lenders to Trust in 2024 – Benzinga Reveals
Reinout te Brake | 16 Aug 2024 19:53 UTC
Discovering the Best Mortgage Lenders in Tennessee for Your Dream Home
Tennessee, a state celebrated for its profound musical heritage, is home to iconic cities like Nashville and Memphis. This vibrant cultural backdrop makes it a coveted destination for many seeking to buy a home, whether they resonate with the melodies of country music or the rhythms of rock and roll. Securing the right mortgage lender is a pivotal step in making the dream of homeownership a reality. This guide aims to navigate you through the best mortgage companies in Tennessee, ensuring a choice that aligns with your financial goals and needs.
Top Mortgage Companies in Tennessee
The process of selecting the right mortgage lender can be daunting given the plethora of options available. However, focusing on lenders that meet your specific needs can simplify this decision. In Tennessee, a range of mortgage companies stand out for their exceptional service, competitive rates, and diverse loan offerings.
Best Mortgage in Tennessee:
1. Best for Bank Statement Loans: Angel Oak Mortgage Solutions
Leading the pack, Angel Oak Mortgage Solutions distinguishes itself with its broad spectrum of mortgage products tailored to meet the needs of diverse borrowers. Whether you're eyeing a traditional loan, a Non-QM mortgage, or seeking competitive rates for quick closing times, Angel Oak's extensive presence across 45 states, including Tennessee, ensures a streamlined and efficient mortgage process.
Their offerings are particularly beneficial for self-employed individuals and real estate investors, providing options like bank statement loans and 1099 income options minus the need for traditional tax returns. This flexibility extends to their loan amounts, property types, and down payment options, making them a top choice for those seeking tailored financial solutions.
2. Best for First Time Home Buyers: Quicken Loans®
Navigating the mortgage landscape as a first-time homebuyer can be overwhelming. Quicken Loans® stands out for its commitment to simplifying this journey with a combination of expert guidance, educational resources, and an award-winning customer service team. Their digital platform, Rocket Mortgage® by Quicken Loans®, further enhances the experience with an easy-to-use online application process.
From VA loans to conventional mortgages, Quicken Loans offers diverse loan options to meet various homebuyer needs, ensuring a smooth path to homeownership for first-time buyers.
3. Best for Self Employed Professionals: CrossCountry Mortgage
Self-employed professionals often face unique challenges when securing a mortgage. CrossCountry Mortgage rises to the occasion with its bank statement qualifier mortgage, designed to cater to the specific financial scenarios of self-employed individuals. This option allows borrowers to qualify based on actual income rather than the income reported on tax returns, providing a critical solution for those whose declared income might not reflect their true earning capacity.
With flexible credit score requirements and the ability to borrow up to 80% of the property’s value, CrossCountry Mortgage stands as a beacon for self-employed professionals seeking comprehensive mortgage solutions.
Mortgages Explained
The world of mortgages can seem labyrinthine with its variety of types, terms, and requirements. Understanding these elements is crucial to making informed decisions. Mortgages can be broadly categorized by their association with government programs, down payment necessities, and the borrower's financial health.
Mortgage terms, encompassing the duration of your loan and the conditions under which you repay it, are another vital piece to understand. From fixed-rate options like the 30-year or 15-year mortgages to adjustable-rate mortgages (ARMs), each choice has implications for your financial future.
Which Mortgage Lender is Best for You?
In your quest for the perfect lender, consider factors like customer service responsiveness, the lender's reputation, and the technological tools they offer to facilitate the mortgage process. The ideal lender is not just a financial institution but a partner in your journey toward homeownership.
Lender Credit Score Minimums in Tennessee
Your credit score plays a pivotal role in securing a mortgage, influencing both the interest rates you receive and your eligibility for specific loan types. Familiarizing yourself with the minimum credit score requirements of Tennessee lenders is a crucial preparatory step.
Current Mortgage Rates in Tennessee
Mortgage rates fluctuate in response to broader economic changes and the specific policies of lending institutions. Staying abreast of these rates is essential for timing your application optimally.
Average Days to Close on a Loan
The timeframe from loan application to closing varies by lender and can be affected by numerous factors, including the complexity of your application and how promptly you can provide necessary documentation. Knowing the average closing times can help set realistic expectations for the process ahead.
Choosing a Tennessee Lender
Selecting a mortgage lender in Tennessee is a decision with long-term ramifications for your financial health and well-being. Beyond just comparing rates and terms, look for a lender experienced with programs you may qualify for and one that offers the level of service and support you need. As the financing cornerstone of your home buying journey, the right lender can make all the difference.
In conclusion, the pursuit of homeownership in Tennessee presents a landscape filled with opportunities to find a dwelling that resonates with your personal and financial aspirations. By carefully selecting a mortgage lender that aligns with your needs, you take a significant step toward turning your dream home into a reality.
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