The Best Mortgage Lenders in Adams, TN
Compare verified mortgage lenders serving Adams, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Adams
Featured Mortgage Lenders
Tennessee Valley Federal Credit Union
Tennessee Valley Federal Credit Union
Tennessee Valley Federal Credit Union stands out as one of the most trusted mortgage lenders serving the Adams area with over eight decades of community banking experience. As a member-owned financial institution, they offer highly competitive rates and personalized service that larger national banks can't match. Their mortgage specialists have deep knowledge of Robertson County's real estate market and provide comprehensive guidance through the entire home financing process. TVFCU consistently receives exceptional reviews for their responsive customer service, local decision-making, and commitment to helping members achieve homeownership with various loan programs tailored to different financial situations.
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First Horizon Bank
First Horizon Bank
First Horizon Bank brings substantial regional banking expertise to the Adams community with a strong physical presence in nearby Springfield. With over 150 years of operation, they offer exceptional stability and deep roots in Middle Tennessee. Their mortgage team provides local underwriting and decision-making, which streamlines the loan process significantly. Customers consistently praise their competitive rates, transparent fee structure, and the personalized attention they receive throughout the mortgage journey. First Horizon's comprehensive digital tools combined with local branch accessibility make them a top choice for Adams residents seeking reliable mortgage services.
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Guild Mortgage Company
Guild Mortgage Company
Guild Mortgage Company operates throughout Middle Tennessee and has established an excellent reputation for serving the Adams area with specialized mortgage solutions. As a dedicated mortgage lender (not a traditional bank), they focus exclusively on home financing, allowing for greater expertise and more flexible underwriting. Guild receives outstanding customer reviews for their educational approach, with loan officers who take time to explain options clearly and guide borrowers toward the best financial decisions. Their wide range of loan programs, including specialized options for rural properties common in the Adams area, combined with their commitment to closing loans on time, makes them a top-tier choice for Robertson County homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Adams, TN
Are there any special first-time homebuyer programs or grants available specifically for Adams, TN?
While Tennessee offers statewide programs like the Great Choice Home Loan, Adams homebuyers should specifically inquire with local lenders about the "THDA Great Choice Plus" grant, which can provide down payment assistance. Some local credit unions, such as those based in nearby Clarksville, may also offer special programs or counseling for Robertson County residents, including those in Adams, to help with closing costs.
How do property types common in Adams, like older homes or larger rural lots, affect the mortgage process?
Purchasing a home on a larger rural lot or an older farmhouse in Adams may require additional inspections, such as a well and septic certification, which can be a condition for loan approval. For homes built before 1978, a lead-based paint disclosure and inspection may also be necessary. Lenders will carefully appraise these unique properties, which can sometimes take longer than for a standard suburban home.
What are typical mortgage interest rates for homebuyers in Adams, TN, and how do they compare to national averages?
Mortgage rates in Adams generally align with national averages, but your specific rate will depend heavily on your credit profile and loan type. Due to Adams's location in a rural-designated county (Robertson), some buyers may qualify for USDA Rural Development loans, which often offer competitive, below-market interest rates and require no down payment for eligible properties and borrowers.
What local factors in Adams should I consider when determining how much mortgage I can afford?
Beyond the home price, Adams homeowners must budget for costs like private well and septic maintenance, potentially higher heating/cooling costs for older homes, and commuting expenses if working in Clarksville or Nashville. Property taxes in Robertson County are relatively moderate, but you should get an accurate estimate from the county assessor's office, as they can vary.
Is a USDA loan a good option for buying a home in Adams, TN, and what are the property eligibility requirements?
Yes, a USDA Section 502 Guaranteed Loan is an excellent option for many Adams homebuyers, as nearly all of Robertson County is eligible for this zero-down-payment program. The home must be located in a USDA-designated rural area (which Adams qualifies as) and serve as your primary residence. Income limits for the household apply, but they are generous for the area.
Why Choose a Mortgage Lender in Adams?
Local Market Knowledge
Lenders who understand Adams's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Tennessee.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Adams and get competitive rates on your home loan.