Product List
THDA Loan
Tennessee Housing Development Agency
Offer affordable mortgages for income eligible first-time buyers. Provide educators with tools to teach first-time buyers.
A pool of funds allocated by THDA to local entities to meet the housing needs for very low income persons, especially elderly and special needs populations.
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FHA Loan
Federal Housing Authority
FHA serves as an umbrella under which lenders have the confidence to extend loans to those who may not meet conventional loan requirements, FHA's mortgage insurance allows individuals to qualify who may have been previously denied for a home loan by conventional underwriting guidelines.
FHA loans benefit those who would like to purchase a home but haven't been able to put money away for the purchase, like recent college graduates, newlyweds, or people who are still trying to complete their education. It also allows individuals to qualify for a FHA loan whose credit has been marred by bankruptcy or foreclosure.
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VA Loan
Veterans Administration
Most veterans and active military members are eligible for VA home loans.
Benefits of a VA Home Loan:
- No down payment required.
- No mortgage insurance.
- Easier qualification standards.
- Credit and income standards are not as strict.
- No prepayment penalties.
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Rural Development Loan
USDA Rural Development Program
USDA Rural Development has partnered with local lenders to help them extend 100% financing opportunities to rural individuals and families. No down payment required.
- No expensive monthly mortgage insurance means you may qualify for a larger loan.
- Flexible credit and qualifying guidelines.
- Closing costs can come from any source including gifts.
- Repairs and improvements can be included in the loan.
- Competitive fixed 30-year rates.
Home Buyer Education Assistance
- Pre-purchase home buyer education.
- Credit education and counseling.
- Down payment assistance.
- Mortgage default-mediation between the homeowner and the lender to prevent foreclosure.
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Land/Lot
85% purchase loans requires down payment plus closing cost.
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Elderly Parent
Allows an adult child to purchase or refinance a primary residence for an elderly parent who is unable to work or doesn't have the income requirements for a loan on their own. There is no distance required so the adult child may buy a home for the parent next door.
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College Bound Program
Allows a parent to purchase a 2nd home for a college bound child to use as a primary residence while attending school. The distance factor for a normal 2nd Home purchase will apply.
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Jumbo Financing
Loans that exceed the limits of Fannie Mae and Freddie Mac. Are underwritten with same guidelines but require higher interest rates and mortgage insurance premiums.