The Best Mortgage Lenders in Eagleville, TN
Compare verified mortgage lenders serving Eagleville, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Eagleville
Featured Mortgage Lenders
Mortgage Investors Group
Mortgage Investors Group
Mortgage Investors Group is one of Tennessee's most highly-rated mortgage lenders with deep roots in Middle Tennessee. They specialize in VA loans and have consistently maintained exceptional customer satisfaction ratings. With their Murfreesboro location just minutes from Eagleville, they offer personalized service and competitive rates. Their team of experienced loan officers provides comprehensive guidance through the entire mortgage process, making them a top choice for Eagleville residents seeking reliable, local mortgage expertise with national lending capabilities.
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Ascend Federal Credit Union
Ascend Federal Credit Union
As one of Middle Tennessee's largest and most established credit unions, Ascend Federal Credit Union has been serving the Eagleville community for decades. They offer competitive mortgage rates and exceptional member service with a focus on building long-term relationships. Their Smyrna branch provides convenient access for Eagleville residents, and they're known for their straightforward lending process and local decision-making. Ascend consistently receives high marks for customer satisfaction and offers a full range of mortgage products with the personal touch of a community-focused financial institution.
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Churchill Mortgage
Churchill Mortgage Corporation
Churchill Mortgage has built a strong reputation throughout Middle Tennessee with their commitment to ethical lending practices and exceptional customer service. Based in nearby Franklin, they actively serve the Eagleville area with a team of experienced mortgage professionals. They're particularly known for their educational approach, helping borrowers understand all aspects of the mortgage process. Churchill offers competitive rates across all loan types and has maintained consistent high ratings for their transparent process and reliable service, making them a trusted choice for Eagleville homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Eagleville, TN
What are the typical down payment requirements for homes in Eagleville, TN, given its rural setting?
While standard loans often require 3-5% down, many Eagleville properties may qualify for USDA Rural Development loans, which offer 0% down payment options. This is a significant advantage in the Eagleville area, as much of Rutherford County is eligible for this program. It's essential to confirm the specific property's eligibility with a local lender familiar with the USDA maps.
Are there any first-time homebuyer assistance programs specific to Rutherford County or Eagleville?
Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Home Loan program statewide, which provides competitive rates and down payment assistance for eligible first-time buyers. While not city-specific, this program is widely used in Eagleville. Additionally, some local lenders and credit unions may offer their own grants or special programs for buyers in the community.
How do property taxes in Eagleville and Rutherford County impact my mortgage payment and affordability?
Rutherford County has relatively moderate property tax rates compared to larger metro areas in Tennessee. Your lender will factor these taxes into your total monthly payment (escrow). It's wise to get an estimate of the annual tax bill for any property you're considering, as this directly affects your debt-to-income ratio and overall housing budget in Eagleville's market.
With Eagleville being a smaller community, are jumbo loans common, and how do local rates compare?
Jumbo loans (for loan amounts above $766,550 in 2024) are very uncommon in Eagleville's housing market, where median prices are more moderate. Mortgage rates in Eagleville generally align with national and Tennessee averages, but you may find slight variations between local community banks, credit unions, and national lenders. Shopping locally can sometimes yield more personalized service and competitive terms.
What should I know about well and septic system inspections when getting a mortgage for an Eagleville home?
Many homes in the Eagleville area are on private well and septic systems. Most lenders will require a satisfactory water quality test and a septic inspection as a condition for loan approval, especially for USDA or FHA loans. This is a critical local consideration, as repairing or replacing a failed system can be costly and could delay your closing.
Nearby Cities
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Why Choose a Mortgage Lender in Eagleville?
Local Market Knowledge
Lenders who understand Eagleville'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 Eagleville and get competitive rates on your home loan.