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Mount Pleasant, TN

The Best Mortgage Lenders in Mount Pleasant, TN

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

3
Top Lenders
4.7
Avg Rating
555+
Reviews
11
Loan Types

Available Loan Programs in Mount Pleasant

Conventional
FHA
VA
USDA
Construction
Refinance
First-time Homebuyer
Home Equity
Jumbo
ARMs
Fixed-rate

Featured Mortgage Lenders

1

Mortgage Department

First Farmers & Commerce Bank

★★★★☆
4.8/5

First Farmers & Commerce Bank is a highly-rated community bank with deep roots in Maury County, serving Mount Pleasant residents for over a century. Their mortgage department receives exceptional customer reviews for personalized service, local underwriting decisions, and competitive rates. As a community bank, they offer the advantage of local decision-making while providing comprehensive mortgage products including specialized rural development loans that benefit Mount Pleasant homebuyers. Their long-standing presence in the region ensures they understand local market conditions and property values.

Experience:15 years
Reviews:85 customer reviews
100 Public Square, Columbia, TN 38401

Loan Types:

ConventionalFHAVAUSDAConstructionRefinance
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2

Mortgage Services

Tennessee Credit Union

★★★★☆
4.7/5

Tennessee Credit Union serves Mount Pleasant and surrounding communities with highly competitive mortgage rates and exceptional member service. They consistently receive top ratings for their first-time homebuyer programs and personalized mortgage guidance. As a member-owned financial institution, they prioritize customer satisfaction over profits, offering lower fees and more flexible qualification standards than many traditional banks. Their local mortgage specialists provide in-person consultations and understand the unique aspects of the Mount Pleasant housing market.

Experience:12 years
Reviews:120 customer reviews
1800 Carmack Blvd, Columbia, TN 38401

Loan Types:

ConventionalFHAVAFirst-time HomebuyerRefinanceHome Equity
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3

Local Mortgage Team

New American Funding

★★★★☆
4.6/5

New American Funding is a nationally recognized mortgage lender with a strong local presence serving Mount Pleasant through their Nashville branch. They receive consistently high ratings for their diverse loan programs, competitive rates, and efficient closing process. Specializing in both purchase and refinance loans, they offer unique programs like their "Black & Latino Homebuyer Program" and have extensive experience with rural property financing relevant to the Mount Pleasant area. Their combination of national resources with local loan officer expertise makes them a top choice for Maury County homebuyers.

Experience:18 years
Reviews:350 customer reviews
1101 Kermit Dr Suite 110, Nashville, TN 37217

Loan Types:

ConventionalFHAVAJumboRefinanceARMsFixed-rate
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Frequently Asked Questions

Common questions about mortgage lending in Mount Pleasant, TN

What are the typical down payment requirements for homes in Mount Pleasant, TN, given its market?

In Mount Pleasant's relatively affordable market, many conventional loans require a 3-5% down payment. For the area's median home price, this can be a manageable amount, and local lenders often work with first-time buyers. USDA loans, which require 0% down, are also a popular option here due to the city's rural designation.

Are there any local or state-specific first-time homebuyer programs beneficial for Mount Pleasant residents?

Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Home Loan program, which is widely used in Mount Pleasant. This program provides competitive interest rates, down payment assistance, and flexible credit guidelines, making it an excellent resource for qualifying first-time and repeat buyers in Maury County.

How does Mount Pleasant's location within a rural area affect my mortgage options?

Mount Pleasant's USDA rural designation opens access to USDA Section 502 Guaranteed Loans, a key advantage. These government-backed loans often feature competitive, below-market interest rates and allow for 100% financing (no down payment), which is particularly attractive for buyers with moderate incomes looking in this area.

What should I know about property taxes and insurance when calculating my monthly mortgage payment in Mount Pleasant?

Maury County property taxes are relatively moderate, and your lender will use the county's current millage rate to estimate escrow. For insurance, it's wise to get quotes that include coverage for severe weather common to Middle Tennessee. Your total monthly payment will include principal, interest, taxes, and insurance (PITI).

Are local community banks or credit unions in Mount Pleasant a good option for mortgages?

Absolutely. Local institutions like First Farmers & Merchants Bank or Maury County Credit Union have deep knowledge of the Mount Pleasant real estate market. They often provide personalized service and may offer portfolio loan products with more flexibility than large national banks, which can be helpful for unique properties or financial situations.

Nearby Cities

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Why Choose a Mortgage Lender in Mount Pleasant?

Local Market Knowledge

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