The Best Mortgage Lenders in Antioch, TN
Compare verified mortgage lenders serving Antioch, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Antioch
Featured Mortgage Lenders
Jason Smith
Churchill Mortgage
Churchill Mortgage is a Nashville-based premier mortgage lender with deep roots in Middle Tennessee, serving Antioch and surrounding communities for over 30 years. Founded by industry veteran Jason Smith, the company has built an exceptional reputation for personalized service, competitive rates, and extensive expertise in all loan types including first-time homebuyer programs. Their team of local loan officers understands the Antioch market dynamics and provides tailored mortgage solutions with a commitment to transparency and customer education throughout the home financing process.
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Regional Manager
First Horizon Bank Mortgage
As one of Tennessee's oldest and most established financial institutions, First Horizon Bank has been serving Middle Tennessee homeowners for over 150 years. Their mortgage division offers comprehensive lending services throughout the Antioch area with competitive rates and local underwriting expertise. The bank maintains multiple branches in Davidson County and provides the advantage of one-stop banking with personalized mortgage solutions. Their long-standing community presence and commitment to customer satisfaction make them a top choice for Antioch homebuyers seeking reliability and local decision-making.
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Branch Manager
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage has established itself as one of the highest-rated mortgage lenders serving the Antioch market with exceptional customer satisfaction ratings. Their local Brentwood office provides convenient access for Antioch residents while offering competitive rates and innovative loan products. The company is renowned for its efficient processing, strong communication throughout the loan process, and expertise in navigating complex financing scenarios. Their team of experienced loan officers specializes in both purchase and refinance transactions with a focus on making the mortgage experience smooth and transparent for every client.
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Frequently Asked Questions
Common questions about mortgage lending in Antioch, TN
Are there any first-time homebuyer assistance programs specifically for Antioch, TN?
Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Home Loan program, which is widely used in Antioch. This program provides competitive interest rates, down payment assistance, and flexible credit guidelines. Many local lenders in the Nashville area are approved THDA lenders and can help Antioch buyers navigate these benefits.
How does Antioch's location within the Nashville MSA affect mortgage rates and requirements?
As part of the booming Nashville Metropolitan Statistical Area (MSA), Antioch is subject to conforming loan limits set for Davidson County, which are higher than the national baseline. While interest rates are largely national, the strong local economy can mean more competitive lending options. However, lenders may scrutinize debt-to-income ratios closely due to the area's higher median home prices compared to more rural parts of Tennessee.
What should I know about property taxes and insurance when calculating my mortgage payment in Antioch?
Antioch is in Davidson County, where property tax rates are relatively high for Tennessee, currently around $3.288 per $100 of assessed value. Your mortgage lender will escrow for these taxes and for homeowners insurance, which can be slightly elevated due to the area's exposure to severe weather risks. Factoring in these costs is crucial for an accurate total monthly payment estimate.
Are there specific loan programs or considerations for buying a home in Antioch's newer subdivisions versus its older neighborhoods?
Yes, the choice between newer developments (like those near the Global Mall) and established neighborhoods can impact your loan. Newer homes may be eligible for construction-to-permanent loans or have homeowners association (HOA) fees that lenders must include in your debt ratio. For older homes, especially those built before 1978, FHA 203(k) renovation loans can be a valuable tool to finance both purchase and repairs.
How competitive is the mortgage pre-approval process for Antioch's housing market?
Extremely competitive. To have a strong offer in Antioch's fast-moving market, you need a solid pre-approval from a reputable local lender, not just a pre-qualification. Sellers favor buyers who use lenders familiar with the Nashville-area appraisal process and closing timelines. Having your financial documentation thoroughly reviewed upfront is essential to compete with cash offers and other financed buyers.
Why Choose a Mortgage Lender in Antioch?
Local Market Knowledge
Lenders who understand Antioch'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 Antioch and get competitive rates on your home loan.