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Campaign, TN

The Best Mortgage Lenders in Campaign, TN

Compare verified mortgage lenders serving Campaign, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
365+
Reviews
9
Loan Types

Available Loan Programs in Campaign

Conventional
FHA
VA
USDA
Construction
Refinance
Jumbo
Construction-to-Permanent
First-time Homebuyer

Featured Mortgage Lenders

1

Mortgage Department

Peoples Bank of Middle Tennessee

★★★★☆
4.8/5

Peoples Bank of Middle Tennessee has been serving the Campaign area and surrounding communities for over two decades with exceptional local mortgage services. As a community-focused bank with deep roots in Warren County, they offer personalized service and local decision-making that national lenders can't match. Their mortgage team specializes in rural and suburban properties throughout the region, with particular expertise in USDA loans that benefit Campaign's rural residents. Customers consistently praise their responsive communication, competitive rates, and smooth closing processes.

Experience:25 years
Reviews:150 customer reviews
101 South Chancery Street, McMinnville, TN 37110

Loan Types:

ConventionalFHAVAUSDAConstructionRefinance
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2

Mortgage Lending Division

F&M Bank

★★★★☆
4.7/5

F&M Bank provides comprehensive mortgage services throughout the Campaign area from their nearby Smithville location. As a regional community bank with multiple branches serving the Upper Cumberland region, they understand the local real estate market and offer tailored mortgage solutions. Their experienced loan officers provide hands-on guidance through the entire process, from pre-approval to closing. F&M Bank is particularly noted for their construction lending expertise and flexible underwriting for rural properties, making them an excellent choice for Campaign residents seeking financing for new builds or existing homes.

Experience:22 years
Reviews:120 customer reviews
215 West Main Street, Smithville, TN 37166

Loan Types:

ConventionalFHAVAJumboConstruction-to-PermanentRefinance
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3

Mortgage Services

Upper Cumberland Federal Credit Union

★★★★☆
4.6/5

Upper Cumberland Federal Credit Union serves the Campaign community with member-focused mortgage lending that often features more favorable terms than traditional banks. As a not-for-profit financial cooperative, they frequently offer lower interest rates and reduced fees to their members. Their mortgage specialists have extensive experience with rural property financing and USDA loans that are particularly relevant to Campaign's housing market. Members consistently report excellent customer service, competitive rates, and a streamlined application process that makes home financing accessible and straightforward for rural Tennessee residents.

Experience:20 years
Reviews:95 customer reviews
810 South Jefferson Avenue, Cookeville, TN 38501

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Campaign, TN

What are the current average mortgage rates for homebuyers in Campaign, TN?

Mortgage rates in Campaign, TN, typically align with national averages but can be influenced by local lender competition and property types common in rural areas. As of the latest data, rates for a 30-year fixed mortgage in the area often range slightly above the national average due to smaller market size. It's best to check with local community banks or credit unions in Franklin County for the most competitive offers.

Are there any down payment assistance programs specifically for first-time homebuyers in Campaign?

Yes, first-time homebuyers in Campaign can access the Tennessee Housing Development Agency (THDA) Great Choice Home Loan program, which offers competitive interest rates and down payment assistance. Additionally, local lenders may have partnerships with regional programs aimed at rural homeownership. Eligibility often depends on income limits and completing a homebuyer education course.

How does the appraisal process work for rural properties in Campaign, TN, and are there any special considerations?

Appraising rural properties in Campaign can be more complex due to factors like well and septic systems, land value, and comparable sales being farther apart. Lenders often require appraisers with specific experience in rural Tennessee markets. It's important to work with a mortgage lender familiar with these nuances to avoid delays, as unique property features may require additional documentation.

What types of mortgage loans are most common for purchasing homes in Campaign's real estate market?

Given Campaign's rural setting and moderate home prices, conventional loans and USDA Rural Development loans are very popular. USDA loans are particularly attractive as many properties in the area qualify for 100% financing with no down payment. FHA loans are also common for buyers with lower credit scores, while VA loans are an option for eligible veterans and service members.

How long does the mortgage approval and closing process typically take in Campaign, TN?

The mortgage timeline in Campaign generally takes 30 to 45 days from application to closing, similar to national averages. However, closings can sometimes extend if title issues arise on older rural properties or if well/septic inspections require additional time. Working with a local lender who understands the county's processes can help streamline the timeline and ensure a smoother closing.

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Why Choose a Mortgage Lender in Campaign?

Local Market Knowledge

Lenders who understand Campaign'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 Campaign and get competitive rates on your home loan.