The Best Mortgage Lenders in Bells, TN
Compare verified mortgage lenders serving Bells, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Bells
Featured Mortgage Lenders
Mortgage Investors Group
Mortgage Investors Group
Mortgage Investors Group is a highly respected mortgage lender with over three decades of experience serving Tennessee, including the Bells area. They are renowned for their competitive rates, extensive loan options, and exceptional customer service, with numerous positive reviews highlighting their efficiency and local expertise. Their Jackson office provides personalized support, making them a top choice for homebuyers in rural West Tennessee.
Loan Types:
Churchill Mortgage
Churchill Mortgage
Churchill Mortgage has established a strong statewide reputation for integrity, reliability, and customer-focused lending. With over 30 years in business, they offer a wide range of mortgage products and are praised for their transparent processes and knowledgeable staff. They actively serve the Bells community through their regional presence, earning high marks for customer satisfaction and competitive financing options.
Loan Types:
First South Financial Credit Union
First South Financial Credit Union
First South Financial Credit Union is a member-owned institution with deep roots in West Tennessee, offering personalized mortgage services with competitive rates and low fees. Their long-standing commitment to the community, combined with a variety of loan programs and local branch support in Jackson, makes them a trusted lender for Bells residents. They are known for their friendly service and dedication to helping members achieve homeownership.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Bells, TN
Are there any special first-time homebuyer programs available specifically for Bells, TN?
While there are no programs exclusive to Bells, Tennessee Housing Development Agency (THDA) programs like the Great Choice Home Loan and Great Choice Plus down payment assistance are widely used here. These programs are particularly valuable in Bells, as they can help buyers manage costs in a market where even modest homes can be a significant investment for local incomes. Working with a lender experienced in THDA is crucial for Bells homebuyers.
How do property taxes in Crockett County affect my mortgage payments in Bells?
Crockett County has relatively low property tax rates compared to national averages, which is a benefit for your monthly mortgage payment. For a typical home in Bells, you can expect property taxes to add a modest amount to your monthly escrow payment. It's wise to get an estimate from your lender based on the specific property's assessed value to budget accurately.
What type of mortgage is most common for buying a home in Bells' more rural areas?
For homes on larger lots or with acreage outside the Bells town limits, USDA Rural Development loans are an extremely popular and advantageous option. Much of the area around Bells qualifies for USDA's 100% financing (no down payment) program, making homeownership more accessible. Your lender will need to verify the specific property's eligibility via the USDA eligibility map.
How does the appraisal process work for older or unique homes in Bells?
Given Bells' historic charm with many older homes, appraisals can require a specialist familiar with valuing properties with unique characteristics or dated systems. It's important to work with a local lender who uses appraisers from the Jackson or regional area who understand the local market's nuances, ensuring the appraisal accurately reflects the home's value and doesn't delay your closing.
Are interest rates in Bells, TN, different from the national average?
Mortgage interest rates are primarily set by national markets, so rates in Bells align with national trends. However, your final rate will depend on your personal credit profile, loan type, and down payment. Local lenders in the West Tennessee region may have access to specific portfolio products or relationships that can sometimes offer competitive terms, so it pays to shop locally as well as nationally.
Why Choose a Mortgage Lender in Bells?
Local Market Knowledge
Lenders who understand Bells'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 Bells and get competitive rates on your home loan.