The Best Mortgage Lenders in Lascassas, TN
Compare verified mortgage lenders serving Lascassas, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Lascassas
Featured Mortgage Lenders
Barry Hines
Churchill Mortgage
Churchill Mortgage is one of Middle Tennessee's most respected mortgage lenders with a strong presence in Rutherford County. Barry Hines leads the Murfreesboro office and maintains exceptional 4.9-star ratings across multiple platforms. The company specializes in personalized service with a focus on first-time homebuyers and offers competitive rates on all major loan types. Their local expertise in the Lascassas and greater Murfreesboro area, combined with over three decades of experience, makes them a top choice for residential financing.
Loan Types:
N/A
Ascend Federal Credit Union
As one of Tennessee's largest credit unions, Ascend serves the entire Middle Tennessee region including Lascassas residents. With outstanding 4.8-star ratings and multiple Murfreesboro locations, they offer competitive mortgage rates and exceptional member service. Their not-for-profit structure often results in lower fees and better terms for borrowers. Ascend has deep roots in the community with extensive experience in rural properties common in the Lascassas area, plus they offer unique benefits like relationship rate discounts for existing members.
Loan Types:
Chad Staggs
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage's Murfreesboro branch, led by Chad Staggs, consistently earns perfect or near-perfect ratings for their exceptional service to Rutherford County homebuyers. The company specializes in making the mortgage process smooth and transparent, with particular expertise in rural properties like those in Lascassas. Their extensive loan portfolio and competitive pricing, combined with strong local market knowledge, make them a preferred lender for both purchase and refinance transactions throughout the area.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Lascassas, TN
What are typical mortgage rates for homebuyers in Lascassas, TN, and how do they compare to national averages?
Mortgage rates in Lascassas generally align with national averages, but local lenders may offer competitive terms due to the area's stable, rural-adjacent market. As of recent trends, rates can be slightly more favorable for borrowers with strong credit, especially for properties in Rutherford County's desirable agricultural and residential zones. It's wise to compare offers from both local community banks in Murfreesboro and larger regional lenders.
Are there any special loan programs or grants for first-time homebuyers in Lascassas?
Yes, first-time homebuyers in Lascassas can explore the Great Choice Home Loan program through the Tennessee Housing Development Agency (THDA), which offers competitive rates and down payment assistance. Additionally, Rutherford County may have local grants or programs; consulting with a mortgage lender experienced in the Murfreesboro/Lascassas area is key to accessing these resources, which can be crucial for entering this market.
How does the appraisal process work for a unique property in Lascassas, like a home on several acres?
Appraising a property with significant land in Lascassas requires an appraiser with specific expertise in rural and semi-rural valuations within Rutherford County. Lenders will seek comparables ("comps") from similar acreage properties in the area, which can sometimes be challenging and may affect the loan amount. It's important to work with a lender familiar with the local land market to ensure a smooth process.
What should I know about property taxes and insurance when calculating my monthly mortgage payment in Lascassas?
Property taxes in unincorporated Rutherford County (where Lascassas is located) are generally lower than in the nearby city of Murfreesboro, but can vary based on property size and value. For insurance, due to the rural nature, lenders may require additional coverage for properties with wells, septic systems, or outbuildings. Your lender will help you escrow these costs accurately based on the specific property's assessment.
Are USDA Rural Development loans available for homes in Lascassas, TN?
Yes, many properties in the Lascassas area qualify for USDA loans, which offer 100% financing, as the region is designated rural by the USDA. This can be an excellent option for eligible borrowers seeking to purchase a home without a down payment. A local mortgage officer can confirm the specific property's eligibility using the USDA's online mapping tool.
Nearby Cities
Explore mortgage lenders in cities near Lascassas, TN
Why Choose a Mortgage Lender in Lascassas?
Local Market Knowledge
Lenders who understand Lascassas'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 Lascassas and get competitive rates on your home loan.