When a conventional mortgage will not fit your needs, ask a Mortgage Banker for more choices. Bank of Tennessee Mortgage Division offers programs that fit many different circumstances.

FHA Mortgage

If you require less stringent loan qualification terms, Bank of Tennessee Mortgage Division offers an FHA-insured mortgage. With an FHA mortgage, you can buy the house you want with a smaller downpayment requirement. Bank of Tennessee approves FHA mortgages when the seller contributes up to 6% and the borrower contributes 3% toward the mortgage loan. Plus, with an FHA mortgage, gift funds are available.

VA Mortgage

Veterans can take advantage of special mortgage offers that recognize your service to your country. Bank of Tennessee Mortgage Division is proud to participate in loan programs available to qualified veterans. If you have previous military service, our mortgage lenders want to help you purchase a new home or refinance your current home with little to no money down. When the seller contributes part or all of the closing costs, you can qualify for loans up to 100% of your home purchase price.

To qualify for a VA mortgage, please provide a certificate of eligibility from your branch of service.

Manufactured Housing

If you are shopping for a manufactured home, Bank of Tennessee Mortgage Division offers a special tailored Manufactured Housing program. A shorter 15-year amortization means you will pay off your home sooner, and up to 85% financing means you pay less money up front.

Amortization subject to loan amount and 85% financing based on credit. To qualify for a manufactured housing mortgage, the property must be on a permanent foundation and the lot or land must not exceed more than 25% of the total value/cost.

Contact a Bank of Tennessee Mortgage Banker at (866) 378.9500 for more information.

Loans subject to credit approval. Bank of Tennessee is an Equal Housing Lender