The Best Mortgage Lenders in Thompsons Station, TN
Compare verified mortgage lenders serving Thompsons Station, Tennessee. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Thompsons Station
Featured Mortgage Lenders
Barry K. Couch
Churchill Mortgage
Churchill Mortgage is one of the most respected mortgage lenders in Middle Tennessee, headquartered just minutes from Thompsons Station in Franklin. With over 30 years of experience and thousands of satisfied customers, they've built an exceptional reputation for personalized service and competitive rates. Their local expertise in Williamson County makes them particularly knowledgeable about the Thompsons Station real estate market. They offer a comprehensive range of loan products with a strong emphasis on customer education and transparent processes, earning consistently high ratings from borrowers throughout the region.
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Kevin C. Crigger
First Horizon Bank Mortgage
First Horizon Bank has deep roots in Tennessee with over 150 years of serving communities across the state. Their mortgage division provides exceptional local service to Thompsons Station residents with competitive rates and a wide variety of loan options. As one of the largest regional banks in the Southeast, they combine the stability of a major financial institution with personalized local underwriting and decision-making. Their experienced loan officers understand the unique aspects of the Williamson County market and provide dedicated support throughout the entire mortgage process.
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Chris Brown
Movement Mortgage
Movement Mortgage has established itself as a top-performing mortgage lender in the Nashville metropolitan area with a strong presence serving Thompsons Station and surrounding communities. Known for their efficient processing and competitive rates, they've earned numerous industry awards and consistently high customer satisfaction ratings. Their local Brentwood office provides personalized service with the backing of a national lender's resources. Movement is particularly praised for their streamlined approval process and commitment to closing loans on time, making them a preferred choice for both home purchases and refinances in Williamson County.
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Frequently Asked Questions
Common questions about mortgage lending in Thompsons Station, TN
Are there any special mortgage programs for first-time homebuyers in Thompsons Station, TN?
Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Home Loan program, which is popular in Thompsons Station. This program provides competitive fixed-rate mortgages, down payment assistance, and flexible credit guidelines specifically for Tennessee residents. Many local lenders in Williamson County are approved THDA lenders and can help you navigate these benefits.
How does Thompsons Station's location in Williamson County affect property taxes and mortgage escrow?
Williamson County has some of the highest property tax rates in Tennessee, which directly impacts your monthly mortgage payment if you escrow for taxes. As of 2023, the county rate is approximately $2.77 per $100 of assessed value. Your lender will calculate this into your escrow account, so it's crucial to budget for this significant expense when determining how much house you can afford in Thompsons Station.
What is the typical down payment needed for a home in Thompsons Station's competitive market?
Given Thompsons Station's desirable location and competitive real estate market, buyers often need stronger offers, which can include larger down payments. While conventional loans can require as little as 3-5% down, many successful offers in this area involve 10-20% down to make bids more attractive to sellers, especially for newer construction in subdivisions like Westhaven or within the town's growing communities.
Are USDA rural housing loans available in Thompsons Station, TN?
Yes, much of Thompsons Station qualifies for USDA rural development loans due to its population size and location. This is a significant advantage as USDA loans offer 100% financing with no down payment required. You should check the USDA eligibility map for the specific property, but most areas outside the immediate town center qualify, making homeownership more accessible.
How do Thompsons Station's growth and new construction developments affect mortgage choices?
With significant new construction from builders like Landmark and Goodall Homes, many Thompsons Station buyers utilize construction-to-permanent loans. These single-close loans are particularly relevant here, allowing you to finance both the lot purchase and construction. Local lenders familiar with these developments often have preferred builder relationships and can streamline the process for the many new subdivisions being built.
Nearby Cities
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Why Choose a Mortgage Lender in Thompsons Station?
Local Market Knowledge
Lenders who understand Thompsons Station'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 Thompsons Station and get competitive rates on your home loan.