The Best Mortgage Lenders in Pulaski, TN
Compare verified mortgage lenders serving Pulaski, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Pulaski
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender known for its exceptional customer service and competitive rates, serving Pulaski and surrounding areas through local loan officers. With over 28 years of experience, they specialize in a wide range of loan products and have built a strong reputation for reliability and fast closings. Their high ratings stem from personalized service, transparency, and community involvement in Middle Tennessee, making them a preferred choice for homebuyers in Giles County.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly regarded lender with a strong presence in Tennessee, offering efficient and customer-focused mortgage solutions for Pulaski residents. Founded in 2008, they are praised for their streamlined processes, competitive rates, and dedication to local communities. Their team includes experienced loan officers who provide personalized guidance, and they have consistently high customer satisfaction ratings due to their responsiveness and expertise in various loan types, including government-backed programs.
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New American Funding
New American Funding
New American Funding is a reputable national lender with a strong local footprint in Tennessee, serving Pulaski with a focus on diverse loan options and exceptional customer care. Established in 2003, they offer competitive rates and have a track record of helping borrowers with unique financial situations, including first-time homebuyers and those seeking refinancing. Their high ratings are backed by a commitment to education, transparency, and community support, making them a reliable choice for mortgages in the region.
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Frequently Asked Questions
Common questions about mortgage lending in Pulaski, TN
What are the current mortgage rates like in Pulaski, TN, and how do they compare to the national average?
Mortgage rates in Pulaski typically align closely with national averages, but local lenders may offer competitive rates due to the community-focused banking environment. As of recent trends, rates in Giles County are often slightly favorable compared to larger metropolitan areas in Tennessee, but it's crucial to get quotes from multiple local banks, credit unions, and regional lenders to secure the best deal for your specific financial situation.
Are there any down payment assistance or first-time homebuyer programs specifically available for Pulaski residents?
Yes, Pulaski homebuyers can access the Tennessee Housing Development Agency (THDA) Great Choice Home Loan program, which offers competitive interest rates and down payment assistance. Additionally, local lenders like First National Bank of Pulaski and other community banks may have their own first-time buyer programs or grants tailored for Giles County residents, often with favorable terms for those with moderate incomes.
How does the appraisal process work in Pulaski given its mix of historic homes and newer constructions?
Appraisals in Pulaski require appraisers familiar with the local market's unique characteristics, including well-preserved historic homes in the downtown area and newer builds in developments like Richland. They will compare your property to recent sales of similar homes in Giles County, which can sometimes be challenging due to the diversity of housing stock, making it important to work with a lender who uses local appraisal management companies.
What should I know about property taxes and insurance when calculating my monthly mortgage payment in Pulaski?
Giles County property taxes are relatively low compared to the state average, which can make homeownership more affordable in Pulaski. However, you should budget for mandatory Tennessee flood insurance if your property is near the Richland Creek or in a designated flood zone, as this can impact your overall monthly escrow payment. Your lender will help you estimate these costs accurately during the pre-approval process.
Are USDA Rural Development loans a common and viable option for buying a home in Pulaski, TN?
Absolutely. Pulaski and most of Giles County are eligible for USDA Rural Development loans, which offer 100% financing with no down payment—a popular option given the area's classification. This program is especially advantageous for moderate-income buyers looking at homes in the county outskirts or in Pulaski's less densely populated neighborhoods, making homeownership accessible with competitive rates and lower mortgage insurance costs.
Why Choose a Mortgage Lender in Pulaski?
Local Market Knowledge
Lenders who understand Pulaski'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 Pulaski and get competitive rates on your home loan.