Home Loans in Tennessee
From Nashville and Memphis to Knoxville and Chattanooga, Tennessee offers a wide range of communities and home styles. Star Financial helps Tennessee buyers and homeowners finance purchases, refinances, and investment properties.
Tennessee market snapshot
- The Nashville, Memphis, Knoxville, and Chattanooga metros anchor housing demand across the state.
- Tennessee has no state income tax on wages, which can help buyers plan their budget.
- Investor interest supports DSCR and conventional investment loans.
Homebuyer information
- THDA (Tennessee Housing Development Agency) offers down payment assistance for eligible buyers.
- FHA, VA, and conventional loans are widely used across the state.
- We help relocating buyers understand local property taxes and insurance.
Financing options for Tennessee buyers & homeowners
FHA Loans
Low down payment, flexible credit — great for first-time buyers.
Conventional Loans
Competitive pricing for borrowers with stronger credit profiles.
VA Loans
$0 down financing for eligible veterans and active-duty service members.
Jumbo Loans
Financing above conforming limits for higher-priced homes.
DSCR Investor Loans
Qualify rental properties on cash flow — no personal income docs.
Bank Statement Loans
For self-employed borrowers who qualify on deposits, not tax returns.
HELOC & Cash-Out
Tap your equity for renovations, debt consolidation, or investments.
Down Payment Assistance
Programs that may help cover down payment and closing costs.
Tennessee home loan FAQs
What credit score do I need for a home loan in Tennessee?
Many Tennessee buyers qualify with a 580+ score on FHA programs, while conventional loans typically reward 620+ with better pricing. Star Financial reviews your full profile, not just the score.
How much down payment is required in Tennessee?
Down payments can be as low as 3.5% on FHA and 3% on some conventional programs. VA-eligible borrowers may qualify for $0 down. Down payment assistance may also be available.
How long does mortgage approval take in Tennessee?
As a direct lender with in-house underwriting and funding, Star Financial can often issue pre-approvals quickly and close many loans in a few weeks, depending on your scenario.
Can I qualify in Tennessee if I'm self-employed?
Yes. We offer bank statement, 1099, and profit-and-loss programs designed for self-employed borrowers who may not show full income on tax returns.
Is Star Financial licensed to lend in Tennessee?
Yes. Star Financial (NMLS #1429) is licensed to originate mortgages in Tennessee and across CA, TX, FL, CO, AZ, ID, TN (CA DFPI 603C571 · AZ BK-2016782 · FL MLD2523).
Star Financial (NMLS #1429) is licensed to originate residential mortgages in Tennessee.
NMLS #1429 · CA DFPI 603C571 · AZ BK-2016782 · FL MLD2523
Get pre-approved in Tennessee
Connect with a licensed Star Financial loan officer for a fast, no-obligation review.
Licensed in CA, TX, FL, CO, AZ, ID & TN · NMLS #1429 · CA DFPI 603C571 · AZ BK-2016782 · FL MLD2523