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mortgages Buying a Home - Tennessee Real Estate and Mortgages

Buying a Home - Tennessee mortgages, down payment assistance and first time home buyer grants for buying Tennessee real estate.

Research the available Tennessee mortgages and home loan programs for buying Tennessee real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Tennessee real estate. 


Government grants for buying a home

Here are some links for government grants for buying a home in Tennessee.

Tennessee Housing Development Agency (THDA) http://www.state.tn.us/thda/

Homebuyer Education Tennessee Housing Development Agency (THDA) maintains a list of trainers approved to teach homebuyers about a home. The information is provided by county. http://www.state.tn.us

Homeownership Programs - THDA's Homeownership programs are designed for low- and moderate-income borrowers. Some programs include downpayment assistance.  
http://www.state.tn.us

Housing Voucher to Homeownership - THDA offers a Housing Voucher (Section 8) to Homeownership Program covering most counties in Tennessee. People who meet the guidelines may be able to use their Housing Vouchers to buy homes. http://www.state.tn.us

Local Homeownership Programs - programs serving specific local areas in Tennessee

Chattanooga: Chattanooga, Hamilton, Bledsoe, Bradley, Grundy, Hamilton, McMinn, Marion, Meigs, Polk, Rhea, Sequatchie

Chattanooga Neighborhood Enterprise
101 Market Street, Suite 100
Chattanooga, Tennessee 37402
Phone: (423) 756-6225
Fax: (423) 756-3851
http://www.cneinc.org/

USDA Rural Development Agency
25 Cherokee Blvd., Suite A, PO Box 4941
Chattanooga, Tennessee 37405
Phone: (423) 756-2239, ext. 1000
Fax: (423) 756-9278
http://www.rurdev.usda.gov/rhs/

Clarksville: Montgomery County

Clarksville Housing Information-general information
Clarksville/Montgomery County Regional Planning Commission
106 Public Square
Clarksville, TN 37040
Low-income -
(931) 647-2303
Mental Health Center
(residential homes) - (931) 920-7200
Other - (931) 645-7448

Community Action Agency-Clarksville
350 Pageant Lane, Ste. 307
Clarksville, TN 37040
(931) 648-5774

HOME Program Contact-Clarksville/Montgomery County
Office of Community Development
329 Main St.
Clarksville, TN 37040
(931) 645-7448

Montgomery County Habitat for Humanity
482 Jones Rd.
Clarksville, TN 37403
(931) 645-4222
New construction, affordable housing programs, volunteering

Cookeville: Cookeville, Cannon, Clay, Cumberland, DeKalb, Fentress, Jackson, Macon, Overton, Pickett, Putnam, Smith, Van Buren, Warren, White

USDA Rural Development Agency
Fountain Court, Suite K 390 South Lowe Avenue, PO Box 555
Cookeville, Tennessee 38503

Johnson City: Washington

City of Johnson City Office of Community Development
Keystone Community Center 603 Bert Street
Johnson City Tennessee 37601 Phone and Fax: (423) 434-6291
http://www.johnsoncitytn.org/CED/

Kingsport: Carter, Greene, Hancock, Hawkins, Johnson, Washington, Unicoi

Upper East Tennessee Human Development Agency
PO Box 46
Kingsport, Tennessee 37662
Phone: (423) 246-6180
Email: lsmith@naxs.com
http://www.tacaa.com/serviceupeast.html

Knoxville: Knox, Anderson, Blount, Campbell, Claiborne, Cocke, Grainger, Hamblen, Jefferson, Loudon, Monroe, Morgan, Roane, Scott, Sevier, Union

Disability Resource Center
211 Blount Avenue, Suite 508
Knoxville, Tennessee 37920
Phone: (865) 637-3666
Fax: (865) 637-5616
TTY: (865) 637-6796
Email: drc@korrne.org

Knoxville Area Urban League 
154 E. Fifth Avenue
Knoxville, Tennessee 37917
Phone: (865) 524-5511
Fax: (865) 525-5154
Email: knoxaul@knoxaul.org

http://www.thekaul.org/home.htm

Knoxville Housing Partnership
900 East Hill Avenue, Suite 270
Knoxville, Tennessee 37915
Phone: (865) 637-1679
Fax: (865) 637-9713
http://www.khp.org/

The City of Knoxville's Community Development Division Homemaker's Programs/Housing Programs 
Room 503, City County Building
Knoxville, Tennessee
Phone: (865) 215-4545
Fax: (865) 215-4547
Email: lhenderson@ci.knoxville.tn.us

http://www.ci.knoxville.tn.us/development/

East Tennessee Human Resources Agency (ETHRA)
9111 Cross Park Drive, Suite D-100
Knoxville, TN 37923
Phone (865) 691-2551

USDA Rural Development Agency 
4730 New Harvest Lane, Suite 300
Knoxville, Tennessee 37918-7000
Phone: (865) 523-3338
Fax: (865) 525-7622

http://www.rurdev.usda.gov/rhs/

Memphis: Shelby

City of Memphis Division of Housing and Community Development Guide to Programs - includes downpayment assistance programs and rehabilitation and repair programs.

Memphis Housing Resource Center
1548-B Poplar Avenue
Memphis, TN 38104
(901) 583-1511

Neighborhood Housing Opportunities
1548 Poplar Avenue
Memphis, TN 38104
(901) 729-2934

The Works
1471 Genesis Circle
Memphis, TN 38106
(901) 946-9675

United Housing, Inc.
51 N. Cooper Street
Memphis, TN 38104
(901) 272-1122

Vollentine Evergreen Community Association
1680 Jackson Avenue
Memphis, TN 38107
(901) 276-1783

Morristown: Cocke, Grainger, Hamblen, Jefferson, Monroe, Sevier

Douglas-Cherokee Economic Authority 
PO Box 1218 - 534 East First North Street
Morristown, Tennessee 37816
Phone: (423) 587-4500
Fax: (423) 587-4509
http://www.douglascherokee.org

Murfreesboro: Rutherford County

City of Murfreesboro Community
Development Office
111 West Vine St
Murfreesboro, TN 37130
(615) 893-5210

Nashville- Davidson County

Affordable Housing Resources, Inc.
1011 Cherry Ave.
Nashville, TN 37203
251-0025

Community IMPACT!
Nashville-Corp for Natl. and Community Services
Americorps and Volunteer Programs
233 Cumberland Bend Dr., Ste. 112
Nashville, TN 37228
736-5561

Department of Veterans Affairs
Estes Kefauver Federal Building, Courthouse Annex
110 9th Avenue South
Nashville, TN 37203
(800) 827-1000

Federal National Mortgage Loan Association, FannieMae
Tennessee Partnership Office
214 Second Avenue, North, Ste. 205
Nashville, TN 37201
252-4160

HOME Program Contact, City of Nashville/Davidson County
Metro Development and Housing Agency
P. O. Box 846
Nashville, TN 37202
252-8508

HOME Program Contact-State of Tennessee
Tennessee Housing Development Agency
404 James Robertson Pky., Ste. 1114
Nashville, TN 37219
741-3007

Homebuyer's Clubs - Woodbine Community Organization
222 Oriel St.
Nashville, TN 37210
833-9580

HOPE - Affordable Housing Resources, Inc.
1011 Cherry Ave.
Nashville, TN 37203
251-0025

Metro Development and Housing Agency
Housing Rehabilitation Assistance Programs
701 South 6th St.
Nashville, TN 252-8500
252-8500

Nashville Habitat for Humanity
1103 Chapel Ave.
Nashville, TN 37206
254-4663

Nashville Housing Fund and The Front Door
701 South Sixth St.
Nashville, TN 37206
780-7000

Residential Resources, Inc.
961 Woodland St.
Nashville, TN 37206
650-9779

Tennessee Housing Development Agency
404 James Robertson Parkway
Ste 1114, Parkway Towers
Nashville, TN 37243
741-4968

Tennessee Manufactured Housing Association
604 4th Avenue North
Nashville, TN 37219
256-4733

The Center for Independent Living of Middle Tennessee
480 Craighead St., Ste. 200
Nashville, TN 37204
292-5803

The Fifteenth Avenue Baptist Community Development Corporation
930 Scovel St.
Nashville, TN 37208
256-4329

U. S. Department of HUD-Nashville
235 Cumberland Bend Dr., Ste. 200
Nashville, TN 37228
736-5600

USDA Rural Housing Service
3322 West End Ave, Ste. 302
Nashville, TN 37203
783-1359

Woodbine Community Organization
222 Oriel St.
Nashville, TN 37210
833-9580

Oak Ridge: Anderson, Roane, Morgan

Housing Development Corporation of the Clinch Valley
PO Box 5713, Oak Ridge, TN 37831
Phone: (865) 482-7345,
483-9783
Fax: (865) 220-8645
Email: carlotta@hdcclinchvalley.org
http://www.hdcclinchvalley.org/homeloans.htm

All Counties

Tennessee Housing Development Agency (THDA)
Suite 16-W Bearden Office 322 Nancy Lynn Lane
Knoxville, Tennessee 37919
Phone: (865) 594-6696
Fax: (865) 594-6780
http://www.state.tn.us/thda/

Habitat for Humanity International
http://www.habitat.org

Anderson - PO Box 7021, Oak Ridge, TN 37831;
Phone: (865) 482-7713;
Email:
hhac@esper.com

Blount - 1620 W. Broadway, Maryville, TN 37801;
Phone: (865) 982-8717;
Email:
bchfh@korrnet.org

Chattanooga/Hamilton - 2418 E 14th St, Chattanooga, TN 37404;
Phone: (423) 622-7898
Email:
hfh.chatt@vol.com

Cumberland - PO Box 854, Crossville, TN 38557;
Phone: 931-484-4565,
Email: habitat@crossville.com

Greene - PO Box 1824, Greeneville, TN 37744;
Phone: (423) 638-1918,
Email: gchfh@xtn.net

Hawkins - 403 E. Main St., Rogersville, TN 37857;
Phone: (423) 272-1830

Holston - PO Box 5265, Kingsport, TN 37663;
Phone: (423) 239-7689,
Email: HolstonHabitat@chartertn.net

Jefferson - PO Box 346, Jefferson City, TN 37760;
Phone: (865) 540-3900

Loudon - 204 Lakeside Plz, Ste 115, Loudon, TN 37774;
Phone: (865) 988-7427,
Email: loudounhabitat@earthlink.net

McMinn - PO Box 1556, Athens, TN 37371;
Phone: (423) 745-8488

Sevier - PO Box 6444, Sevierville, TN 37864;
Phone: (865) 428-2040

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Tennessee.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Tennessee or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Tennessee.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Tennessee Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Tennessee real estate of homes for sale.

Complete the form below for direct access to the following types of Tennessee real estate listings:

  • Tennessee Real Estate Listings and MLS
  • Tennessee HUD Homes
  • Tennessee For Sale By Owner Homes
  • Tennessee New Homes for Sale
  • Tennessee Foreclosure Homes for Sale
Access Tennessee Real Estate Listings

You will get free unlimited access to search Tennessee real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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