The Best Mortgage Lenders in Arrington, TN
Compare verified mortgage lenders serving Arrington, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Arrington
Featured Mortgage Lenders
Barry Oakes
Churchill Mortgage
Churchill Mortgage has been serving Middle Tennessee for over 30 years and is particularly strong in Williamson County where Arrington is located. Barry Oakes leads the Brentwood office with exceptional customer satisfaction ratings and specializes in first-time homebuyer programs, conventional loans, and government-backed loans. The company is known for competitive rates, personalized service, and deep local market knowledge throughout the Nashville metropolitan area including Arrington and surrounding communities.
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Cornerstone Financial Credit Union
Cornerstone Financial Credit Union
As a community-focused credit union headquartered just minutes from Arrington in Franklin, Cornerstone Financial has been serving Williamson County residents for over six decades. They offer highly competitive mortgage rates to members, exceptional customer service with local decision-making, and a comprehensive range of loan products. Their mortgage specialists provide personalized guidance through the entire home buying process and are deeply familiar with the Arrington real estate market and surrounding areas.
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Jason Chudy
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a nationally recognized lender with a strong local presence in Williamson County. Jason Chudy's Brentwood-based team consistently receives top ratings for their responsive service, competitive rates, and expertise in the Middle Tennessee market. They specialize in both purchase and refinance loans with streamlined processes and excellent communication. The company has extensive experience serving Arrington and the greater Nashville area with various loan programs tailored to individual financial situations.
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Frequently Asked Questions
Common questions about mortgage lending in Arrington, TN
What are the typical down payment requirements for homes in Arrington, TN, given its rural setting?
For most conventional loans in Arrington, a 20% down payment is standard to avoid private mortgage insurance (PMI). However, due to the area's more affordable price points compared to Nashville suburbs, many buyers successfully use FHA loans with as little as 3.5% down or USDA loans, which offer 0% down for eligible properties in designated rural areas, which includes most of Arrington.
Are there any special mortgage programs for first-time homebuyers in Williamson County that apply to Arrington?
Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Home Loan program, which provides competitive interest rates and down payment assistance to eligible first-time buyers across the state, including Arrington. Additionally, the "Homeownership for the Brave" program offers extra benefits for military members, veterans, and first responders purchasing in Tennessee.
How do property taxes in unincorporated Williamson County (Arrington) affect my mortgage payments and qualification?
Williamson County has some of the highest property tax rates in Tennessee, which directly impacts your estimated monthly mortgage payment (PITI). Lenders will factor these taxes into your debt-to-income ratio. While Arrington's rates are the county-wide rate, the overall tax bill may be lower than in cities like Franklin due to typically lower home valuations, but it remains a key budgeting consideration.
What should I know about getting a mortgage for land or a new construction home in Arrington?
Financing land or construction in Arrington's semi-rural areas requires specialized loans. For a construction-to-permanent loan, lenders typically require a larger down payment (often 20-25%) and detailed builder contracts. For purchasing vacant land alone, you'll likely need a land loan, which often has higher interest rates and shorter terms than a traditional mortgage, before securing construction financing.
How does the lack of city-specific programs in unincorporated Arrington affect my mortgage options compared to nearby cities like Franklin?
While Arrington itself doesn't offer municipal homebuyer programs, you benefit from Williamson County's strong appraisal values and stable market, which lenders favor. Your options are primarily state (THDA) and federal programs. The key local consideration is ensuring the property meets lender requirements for well and septic systems, which are common in the area and may require specific inspections.
Nearby Cities
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Why Choose a Mortgage Lender in Arrington?
Local Market Knowledge
Lenders who understand Arrington'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 Arrington and get competitive rates on your home loan.