The Best Mortgage Lenders in Big Rock, TN
Compare verified mortgage lenders serving Big Rock, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Big Rock
Featured Mortgage Lenders
Kevin McAlister
Movement Mortgage
Movement Mortgage has established itself as a top-rated mortgage lender serving the Clarksville metropolitan area, which includes Big Rock. Kevin McAlister's team receives exceptional reviews for their responsiveness, competitive rates, and expertise with rural properties common in the Big Rock area. Their specialization in USDA loans makes them particularly well-suited for the more rural properties in Stewart County. With over a decade of experience and hundreds of five-star reviews, they're known for smooth closings and personalized service for both first-time homebuyers and experienced investors throughout the region.
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F&M Bank Mortgage Division
F&M Bank
As a long-standing community bank with deep roots in Middle Tennessee, F&M Bank has been serving the Clarksville and surrounding areas including Big Rock for over a century. Their mortgage division receives high marks for local decision-making, competitive rates, and exceptional customer service. Being a community bank, they understand the unique aspects of rural Tennessee properties and offer construction loans that are particularly valuable in areas like Big Rock. Their experienced loan officers provide personalized guidance through the entire mortgage process, with many customers noting the bank's commitment to local communities and reliable service.
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Jennifer Russell
Guild Mortgage Company
Guild Mortgage, with Jennifer Russell's highly-rated Clarksville team, serves the Big Rock area with exceptional expertise in rural and suburban properties. They receive consistent five-star reviews for their communication, efficiency, and competitive rates. Specializing in various loan types including USDA loans that are ideal for Big Rock's rural character, they've built a reputation for closing loans on time and providing outstanding customer education throughout the process. With over six decades in business nationally and strong local presence, they combine the resources of a national lender with personalized local service that understands the specific needs of Stewart County homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Big Rock, TN
What are the typical down payment requirements for homes in Big Rock, TN, given its rural market?
In Big Rock's rural market, many lenders can offer USDA Rural Development loans, which require **0% down payment** for eligible borrowers and properties. For conventional loans, a 3-5% down payment is common, but local lenders familiar with Stewart County property values can provide the best guidance. It's important to note that appraisals here may require specialized knowledge due to the mix of agricultural and residential land.
Are there any special mortgage programs for first-time homebuyers in Big Rock?
Yes, the Tennessee Housing Development Agency (THDA) offers the **Great Choice Home Loan** program, which provides competitive interest rates and down payment assistance for eligible first-time buyers in Big Rock. This program is particularly valuable here, as it can be combined with USDA loans, making homeownership very accessible in this qualifying rural area.
How does the lack of major city amenities in Big Rock affect property appraisals and mortgage approval?
Lenders and appraisers account for Big Rock's rural location by using comparable sales ("comps") from within Stewart County and similar nearby communities like Dover. The appraisal process may take slightly longer to find suitable comps, but it rarely hinders approval. Properties with significant acreage will have their land value assessed separately from the dwelling.
What should I know about getting a mortgage for a property with acreage or a well/septic system in Big Rock?
Financing properties with land over 10 acres or private water/septic systems is common in Big Rock. Lenders will typically require a **water test** for wells and a **septic inspection** as conditions for the loan. For larger acreage, a specialized "rural" or "agricultural" appraisal may be needed, which some local banks and credit unions are especially experienced in handling.
Which local lenders are most familiar with the Big Rock, TN, real estate market?
For the most personalized service and local market expertise, homebuyers should consult **Community Financial Services Bank (CFSB)** and **Fort Campbell Federal Credit Union**, which have strong roots in Stewart County. These institutions understand the nuances of local property types and are often more flexible with underwriting for unique rural properties than large national banks.
Nearby Cities
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Why Choose a Mortgage Lender in Big Rock?
Local Market Knowledge
Lenders who understand Big Rock'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 Big Rock and get competitive rates on your home loan.