The Best Mortgage Lenders in Fairview, TN
Compare verified mortgage lenders serving Fairview, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Fairview
Featured Mortgage Lenders
Barry Fulk
Churchill Mortgage
Churchill Mortgage is one of Middle Tennessee's most respected mortgage lenders with a strong presence throughout Williamson County and surrounding areas. Founded by industry veteran Barry Fulk, this company has built an exceptional reputation for personalized service and competitive rates. They specialize in all major loan types with particular expertise in first-time homebuyer programs and veteran loans. With over three decades of experience and hundreds of 5-star reviews, they're known for their educational approach, transparent process, and commitment to finding the right mortgage solution for each client's unique situation.
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Member Services
Tennessee Credit Union
Tennessee Credit Union has been serving Middle Tennessee residents for over six decades with a strong focus on member satisfaction and community support. As a not-for-profit financial cooperative, they offer highly competitive mortgage rates and personalized service to members throughout Williamson County, including Fairview. Their mortgage team provides comprehensive guidance through the entire home buying process, with special programs for first-time buyers and flexible underwriting standards. Known for their local decision-making and member-focused approach, they consistently receive high marks for customer service and satisfaction.
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Local Mortgage Team
The Mortgage Firm - Nashville
The Mortgage Firm's Nashville location has established itself as a top-rated mortgage broker serving the entire Middle Tennessee region, including Fairview and Williamson County. With over two decades of experience, their team of local mortgage experts provides access to multiple lenders and loan products, ensuring competitive rates and flexible terms. They're particularly noted for their efficient processing, excellent communication throughout the loan process, and expertise in navigating complex financing situations. Their broker model allows them to shop rates across multiple investors, providing clients with optimal loan options and terms.
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Frequently Asked Questions
Common questions about mortgage lending in Fairview, TN
Are there any down payment assistance programs specifically for first-time homebuyers in Fairview, TN?
Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Plus loan program, which provides down payment assistance in the form of a second mortgage that can be forgiven over time. This program is widely used by Fairview homebuyers and can be combined with THDA's Great Choice first mortgage, which often features competitive interest rates for qualifying borrowers in Williamson County.
How does Fairview's location in Williamson County affect property taxes and mortgage escrow calculations?
Williamson County has some of the highest property tax rates in Tennessee, currently around $2.77 per $100 of assessed value. When obtaining a mortgage in Fairview, lenders will calculate your escrow payments based on this rate, which can significantly impact your total monthly payment compared to neighboring counties. It's important to budget for this, as Fairview homes are assessed at 25% of their appraised value for tax purposes.
What types of mortgage loans are most common for Fairview's mix of rural properties and newer subdivisions?
Given Fairview's landscape of both established rural lots and newer planned communities like Westview, conventional loans are most prevalent. For properties on larger, non-standard lots or with unique features common in the more rural parts of Fairview, a portfolio loan from a local lender familiar with the area may be necessary, as these properties might not meet strict agency (Fannie Mae/Freddie Mac) guidelines.
How competitive is the mortgage pre-approval process for Fairview's current real estate market?
Fairview's market remains competitive due to its relative affordability within Williamson County. A strong, verified pre-approval (not just a pre-qualification) is essential to be taken seriously by sellers. Local lenders with strong reputations, such as those based in Franklin or Nashville, can often provide faster underwriting and closing, which is a valuable advantage when making an offer.
Are there specific home insurance considerations for Fairview that could affect my mortgage?
Yes, due to Fairview's semi-rural setting, lenders may require additional coverage if the property is on a well and septic system, which is common outside the main subdivisions. Furthermore, while not in a high-risk flood zone, some lenders may recommend a flood determination assessment for properties near the Harpeth River or its tributaries, which could affect insurance requirements and your overall monthly payment.
Nearby Cities
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Why Choose a Mortgage Lender in Fairview?
Local Market Knowledge
Lenders who understand Fairview'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 Fairview and get competitive rates on your home loan.