The Best Mortgage Lenders in Southside, TN
Compare verified mortgage lenders serving Southside, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Southside
Featured Mortgage Lenders
Scott A. Stout
Churchill Mortgage
Churchill Mortgage has established itself as one of the premier mortgage lenders in the Middle Tennessee region with exceptional customer satisfaction ratings. Scott Stout's Clarksville branch serves the Southside area with comprehensive mortgage solutions and personalized service. The company is particularly noted for its expertise in VA loans, making it an excellent choice for military families from Fort Campbell. With Dave Ramsey's endorsement and a strong local presence, they offer competitive rates and exceptional guidance through the entire home financing process.
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Mark Cook
Movement Mortgage
Movement Mortgage has built a strong reputation in the Clarksville and Southside areas for their efficient loan processing and outstanding customer service. Mark Cook's team specializes in serving first-time homebuyers and military families with streamlined conventional and government-backed loans. The company is known for their "On-Time Closing Guarantee" and local underwriting capabilities, which provides faster approvals and reliable closing timelines. Their extensive experience with the local real estate market makes them a top choice for Southside residents.
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Fort Campbell Federal Credit Union Mortgage Department
Fort Campbell Federal Credit Union
As a longstanding financial institution serving the Clarksville and Southside communities, Fort Campbell Federal Credit Union offers exceptional mortgage products with highly competitive rates for members. Their deep roots in the community and understanding of local housing markets make them a trusted choice for home financing. They provide personalized service with local decision-making and have extensive experience with VA loans for military personnel. The credit union's not-for-profit structure often results in lower fees and better terms than traditional banks, making them an excellent value for Southside homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Southside, TN
Are there any special mortgage programs for first-time homebuyers in Southside, TN?
Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Home Loan program, which is widely used in Southside. This program provides competitive interest rates, down payment assistance, and flexible credit guidelines, making it an excellent option for first-time buyers in the area. Many local lenders in Robertson County are approved THDA lenders and can guide you through the application process.
How do property taxes in Southside, TN, affect my monthly mortgage payment?
Robertson County, where Southside is located, has a relatively moderate property tax rate compared to larger metro areas in Tennessee. Your lender will estimate these taxes for your escrow account, and it's wise to verify the exact rate with the Robertson County Property Assessor's office, as rates can vary slightly. This local tax burden is a key factor in calculating your total monthly payment.
What is the typical down payment needed for a home in Southside's market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Southside utilize conventional loans with 3-5% down or FHA loans with 3.5% down, especially given the area's affordable price points. Using THDA or USDA loans (which are eligible in many parts of Robertson County) can allow for 0% down payment options for qualified buyers.
Are USDA rural housing loans available for homes in Southside, TN?
Yes, most of the Southside area and Robertson County qualify for USDA Section 502 Guaranteed Loans, which offer 100% financing (no down payment). This is a major advantage for buyers looking in this community, as it significantly reduces the upfront cash needed to purchase a home. A local mortgage lender can confirm the specific eligibility of your desired property address.
How does Southside's proximity to Nashville influence mortgage lending and appraisals?
Southside's location in Robertson County, just north of the Nashville metro, means appraisals often consider comparable sales from a broader area, which can be beneficial due to Nashville's strong market influence. Lenders are very familiar with this dynamic, and it can sometimes support stronger property values, but it also means being prepared for potential competitive bidding situations that may require appraisal gap contingencies.
Why Choose a Mortgage Lender in Southside?
Local Market Knowledge
Lenders who understand Southside'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 Southside and get competitive rates on your home loan.