The Best Mortgage Lenders in Hartsville, TN
Compare verified mortgage lenders serving Hartsville, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hartsville
Featured Mortgage Lenders
Pinnacle Financial Partners
Pinnacle Financial Partners
Pinnacle Financial Partners is a highly-rated regional bank based in Nashville, serving Hartsville and surrounding areas with a strong reputation for personalized mortgage services. Founded in 2000, they excel in customer satisfaction, offering competitive rates and a wide range of loan options. Their local presence in Middle Tennessee, combined with extensive experience and high review scores, makes them a top choice for homebuyers seeking reliable, community-focused lending with swift processing and excellent support.
Loan Types:
Caliber Home Loans
Caliber Home Loans Inc.
Caliber Home Loans is a reputable national mortgage lender with a strong track record of serving Tennessee communities, including Hartsville. Founded in 2008, they are known for competitive rates, flexible loan programs, and efficient online tools. With hundreds of positive reviews highlighting their customer service and reliability, Caliber offers a seamless mortgage experience, making them a preferred option for those valuing innovation and nationwide reach with local support.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a top-rated lender recognized for its community involvement and customer-centric approach, effectively serving Hartsville and broader Tennessee. Established in 2008, they specialize in fast closings and a variety of loan products, backed by high customer satisfaction scores. Their commitment to local partnerships and ethical lending practices, along with robust online resources, ensures a trustworthy and efficient mortgage process for homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Hartsville, TN
Are there any down payment assistance programs specifically for homebuyers in Hartsville, TN?
Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Home Loan program, which is widely used in Hartsville and Trousdale County. This program provides competitive interest rates and down payment assistance in the form of a second mortgage, which can be particularly helpful given the area's median income levels. A local lender familiar with THDA can guide you through the eligibility requirements and application process.
How does Hartsville's rural location affect mortgage options and lender availability?
As a smaller, rural community, Hartsville has fewer physical bank branches, but many regional lenders and credit unions serving Middle Tennessee are active here. You may find excellent service from community banks with deep local market knowledge. Furthermore, properties in Trousdale County may be eligible for USDA Rural Development loans, which offer 100% financing—a significant advantage for eligible buyers in this area.
What are typical property taxes in Hartsville, and how do they impact my monthly mortgage payment?
Trousdale County has some of the lowest property tax rates in Tennessee, which is a major benefit for Hartsville homeowners. The 2023 rate is approximately $2.48 per $100 of assessed value. When calculating your total monthly mortgage payment (PITI), this low tax burden means your escrow payment for taxes will be relatively small compared to many other parts of the state, improving overall affordability.
As a first-time homebuyer in Hartsville, what should I know about the local market competition?
The Hartsville market is less frenetic than nearby Nashville, but well-priced homes in good condition can move quickly. Working with a local mortgage lender who can provide a solid pre-approval letter is crucial to show sellers you are a serious and qualified buyer. Being prepared to act promptly, especially on properties close to downtown or with larger lots, will give you a competitive edge.
Does living near the Hartsville Nuclear Plant impact the home appraisal or insurance process for a mortgage?
While proximity to the nuclear plant is a consideration for some buyers, it does not typically create unique hurdles for mortgage appraisals or lending. However, you may wish to discuss specific location requirements with your homeowner's insurance provider during the buying process. Lenders in the area are accustomed to properties in the vicinity and will follow standard appraisal guidelines based on comparable sales in Hartsville and Trousdale County.
Nearby Cities
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Why Choose a Mortgage Lender in Hartsville?
Local Market Knowledge
Lenders who understand Hartsville'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 Hartsville and get competitive rates on your home loan.