The Best Mortgage Lenders in Blaine, TN
Compare verified mortgage lenders serving Blaine, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Blaine
Featured Mortgage Lenders
Scott Davis
Supreme Lending
Supreme Lending has established itself as one of East Tennessee's top-rated mortgage companies with exceptional customer satisfaction ratings. Their Knoxville location serves the entire Blaine area with personalized mortgage solutions. With over 20 years in business and nearly 200 excellent reviews, they specialize in first-time homebuyer programs, VA loans popular in the region, and competitive conventional financing. Their local team understands the unique Blaine and Grainger County market dynamics.
Loan Types:
Mortgage Investors Group
Mortgage Investors Group
As one of East Tennessee's most established mortgage lenders with over 30 years of service, Mortgage Investors Group has extensive experience serving the Blaine community and surrounding areas. They are particularly strong in VA loans, which is significant given Tennessee's veteran population, and offer specialized USDA rural development loans perfect for Blaine's location. Their long track record, high review count, and local market expertise make them a top choice for Grainger County home financing.
Loan Types:
Three Rivers Credit Union
Three Rivers Credit Union
Three Rivers Credit Union brings exceptional value to Blaine residents through their not-for-profit structure and community-focused approach. While headquartered in Knoxville, they actively serve members throughout East Tennessee including Grainger County. They offer highly competitive rates, personalized service, and specialized first-time homebuyer programs. Their long history in the region (founded 1957) and strong member satisfaction ratings make them an excellent choice for those seeking traditional lending with modern convenience.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Blaine, TN
Are there any down payment assistance programs specifically for homebuyers in Blaine, TN?
Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Home Loan program, which is widely used in Blaine. This program provides competitive interest rates and down payment assistance in the form of a second mortgage that can be forgiven over time. Many local lenders in Grainger County are approved THDA lenders and can guide you through the application process.
How does the rural nature of Blaine and Grainger County affect my mortgage options?
Blaine's location makes many properties eligible for USDA Rural Development loans, which offer 100% financing with no down payment required. This is a significant advantage for qualifying buyers looking at homes in the area. It's important to work with a lender familiar with USDA maps and income limits specific to Grainger County to confirm eligibility.
What are typical property taxes like in Blaine, and how do they impact my monthly mortgage payment?
Grainger County has relatively low property tax rates compared to urban areas in Tennessee. For a $250,000 home in Blaine, annual property taxes might range from $1,000 to $1,500. Your lender will include this estimated amount in your monthly escrow payment, making overall housing costs more affordable compared to counties with higher tax rates.
As a first-time homebuyer in Blaine, what local resources should I be aware of?
First-time buyers in Blaine should connect with approved THDA lenders and complete a free homebuyer education course, which is often required for assistance programs. Additionally, the Grainger County Cooperative Extension office sometimes offers workshops on homeownership. Local community banks and credit unions often have personal service and knowledge of the area's unique, often rural, properties.
How do appraisals work for unique or rural properties in the Blaine area?
Appraisals for rural properties in Blaine can be more complex due to larger lots, well and septic systems, and fewer comparable sales. It's crucial to use a lender who works with appraisers experienced in the Grainger County market. They will properly value land, outbuildings, and the home itself, ensuring the loan process goes smoothly.
Nearby Cities
Explore mortgage lenders in cities near Blaine, TN
Why Choose a Mortgage Lender in Blaine?
Local Market Knowledge
Lenders who understand Blaine'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 Blaine and get competitive rates on your home loan.