NMHL Mortgage Lending
Mortgage Lender in Clarksville, TN
Local expertise and competitive rates for Clarksville homebuyers.
Clarksville Housing Market Overview
Clarksville is Tennessee's fifth-largest city and one of its fastest-growing, fueled by Fort Campbell and its proximity to Nashville. Affordable new construction and strong rental demand from military families make it attractive for both homebuyers and investors.
Clarksville Neighborhoods
Popular areas for homebuyers in Clarksville, TN
ZIP Codes We Serve in Clarksville
Mortgage lending available in these Clarksville ZIP codes
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Clarksville
Explore mortgage options tailored to Clarksville homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding Clarksville's Housing Market
Clarksville's housing market is characterized by rapid growth, driven by the presence of Fort Campbell and the city's proximity to Nashville. The median home price is $280,000, with new construction communities offering modern homes at competitive prices. Rental demand is strong, driven by military families and remote workers. NMHL's local market expertise can help you navigate this dynamic market and find the best mortgage options for your needs.
- Median home price: $280,000
- Average days on market: 30-60 days
- Top neighborhoods: Sango, St. Bethlehem, Rossview, Exit 4, Downtown Clarksville
NMHL's local loan officers have in-depth knowledge of Clarksville's housing market and can provide personalized guidance on navigating the mortgage process.
Mortgage Options for Clarksville Borrowers
NMHL offers a range of mortgage products tailored to Clarksville borrowers, including veterans, first-time homebuyers, and those with less-than-perfect credit. Our VA loan programs are particularly popular among military families, while our Down Payment Assistance Program can help with upfront costs. We also offer competitive interest rates and flexible credit scoring to help you qualify for a mortgage.
Some of our most popular mortgage products for Clarksville borrowers include:
- VA loans
- FHA loans
- Conventional loans with low down payment options
- Bank Statement Loan Program for self-employed borrowers
Get pre-approved for a mortgage with NMHL today and take the first step towards homeownership in Clarksville.
First-Time Homebuyer Programs in Tennessee
Tennessee offers several programs to support first-time homebuyers, including down payment assistance and tax credits. NMHL's loan officers can guide you through the process of combining these programs with our mortgage products. Some popular options include:
- Tennessee Housing Development Agency (THDA) down payment assistance
- Mortgage credit certificates (MCCs) for tax credits
- NMHL's First-Time Homebuyer Program with competitive interest rates and low down payment options
NMHL's First-Time Homebuyer Program can help you achieve your homeownership goals with competitive interest rates and low down payment options.
Property Taxes and Insurance in Clarksville
As a homeowner in Clarksville, you'll need to factor property taxes and insurance into your mortgage planning. Our local loan officers can help you understand how these costs impact your monthly mortgage payments. Clarksville's average property tax rate is 0.70%, and insurance rates vary depending on factors like location and home value.
NMHL can help you navigate these costs and explore tax-advantaged mortgage options to minimize your tax liability.
NMHL's local market expertise can help you understand the impact of property taxes and insurance on your mortgage payments.
Frequently Asked Questions
Clarksville's popular neighborhoods include Sango, St. Bethlehem, Rossview, Exit 4, and Downtown Clarksville. These areas offer a mix of new construction homes, affordable housing, and proximity to Fort Campbell. NMHL's local market expertise can help you navigate these neighborhoods and find the best mortgage options for your needs.
Clarksville's average property tax rate is 0.70%. This means that on a $280,000 home, you'd pay approximately $1,960 per year in property taxes. NMHL can help you factor property taxes into your mortgage planning and explore tax-advantaged mortgage options.
Yes, Tennessee offers several down payment assistance programs that Clarksville homebuyers can leverage. NMHL's Down Payment Assistance Program can provide up to 4% of the home's purchase price, and our loan officers can guide you through the process of combining these programs with our mortgage products.
Clarksville is served by the Clarksville-Montgomery County School System, which includes several highly-rated schools. Homes in areas with top-performing schools tend to appreciate in value more quickly. NMHL's local market knowledge can help you understand how school districts affect home values in Clarksville.
While traditional lenders may be hesitant to approve mortgage applications with bad credit, NMHL offers specialized programs for borrowers with less-than-perfect credit. Our loan officers can assess your credit profile and provide personalized guidance on improving your credit score or exploring alternative mortgage options.
NMHL offers a range of mortgage products tailored to self-employed borrowers, including our Bank Statement Loan Program. This program allows self-employed individuals to qualify for a mortgage using their bank statements rather than traditional tax returns.
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Ready to Buy in Clarksville?
Let NMHL help you navigate the Clarksville housing market with expert guidance and competitive rates.