NMHL Mortgage Lending
Mortgage Lender in Nashville, TN
Local expertise and competitive rates for Nashville homebuyers.
Nashville's thriving economy and cultural attractions have made it a magnet for homebuyers, with a median home price of $440,000. As a leading mortgage lender in Nashville, National Mortgage Home Loans (NMHL) understands the unique challenges and opportunities in this dynamic market. Our specialized programs for underserved borrowers, including those with bad credit, self-employed individuals, and first-time homebuyers, make us the go-to lender for Nashville residents looking to achieve homeownership.
The Nashville housing market has experienced significant growth, driven by its strong job market, lack of state income tax, and high quality of life. While prices have moderated from their pandemic peaks, they continue to appreciate at a sustainable pace. NMHL is well-positioned to serve Nashville borrowers, offering a range of mortgage products and expert guidance to help navigate the local market.
Whether you're a first-time homebuyer or an experienced homeowner, NMHL's knowledgeable loan officers are here to help you every step of the way. With our streamlined pre-approval process and personalized service, you can trust us to find the right mortgage solution for your Nashville home purchase.
Nashville Housing Market Overview
Nashville's explosive growth has been driven by its healthcare industry, music scene, and corporate relocations. No state income tax and a relatively low cost of living compared to other boom cities make it a magnet for young professionals and families.
Nashville Neighborhoods
Popular areas for homebuyers in Nashville, TN
ZIP Codes We Serve in Nashville
Mortgage lending available in these Nashville 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 Nashville
Explore mortgage options tailored to Nashville 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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Our Presence
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Nashville Neighborhoods to Watch
Nashville's diverse neighborhoods offer something for everyone. From the trendy boutiques and restaurants in The Gulch and 12South to the family-friendly atmosphere of Green Hills and Forest Hills, there's a neighborhood to suit every lifestyle. East Nashville is known for its arts scene and eclectic vibe, while Germantown offers a charming, small-town feel with a mix of historic and new homes.
- East Nashville: Artsy, eclectic, and rapidly growing
- The Gulch: Upscale, trendy, and walkable
- Germantown: Charming, historic, and family-friendly
- 12South: Luxury living with a small-town feel
- Green Hills: Family-friendly with excellent schools
NMHL's local expertise can help you navigate Nashville's neighborhoods and find the best fit for your budget and lifestyle.
Mortgage Options for Nashville Borrowers
At NMHL, we offer a range of mortgage products tailored to Nashville borrowers. Our loan officers are experienced in handling complex situations, including self-employed income, credit challenges, and VA loans for veterans. We also offer down payment assistance programs to help with the upfront costs of homeownership.
Our mortgage products include:
- Conventional loans with competitive interest rates
- FHA loans for lower down payments
- VA loans for veterans and active military
- Down payment assistance programs to help with upfront costs
NMHL's specialized programs can help you achieve homeownership, even with credit challenges or other obstacles.
Down Payment Assistance in Tennessee
Tennessee offers several down payment assistance programs to help homebuyers with the upfront costs of purchasing a home. The THDA's Great Choice Home Loan Program provides down payment assistance of up to 5% of the purchase price. NMHL can help you explore these programs and determine your eligibility.
Other options include:
- Tennessee Housing Development Agency (THDA) programs
- Local and county-specific down payment assistance programs
- NMHL's own down payment assistance options
Don't let down payment costs hold you back from achieving homeownership. NMHL can help you explore your options and find a down payment assistance program that fits your needs.
Why Choose NMHL for Your Nashville Mortgage?
At NMHL, we're committed to providing personalized service and expert guidance to Nashville homebuyers. Our loan officers are knowledgeable about the local market and can help you navigate the mortgage process. We offer a range of mortgage products and specialized programs to fit your unique needs.
By choosing NMHL, you'll benefit from:
- Personalized service from experienced loan officers
- A range of mortgage products and specialized programs
- Streamlined pre-approval and application processes
Get started with NMHL today and take the first step towards achieving your homeownership goals in Nashville.
Frequently Asked Questions
In Nashville, the average property tax rate is 0.66%. This means that on a $440,000 home, you'd pay around $2,904 per year in property taxes. It's essential to factor this into your overall cost of homeownership when budgeting for your Nashville home purchase.
School districts play a significant role in determining home values in Nashville. Highly-rated districts like Metro Nashville Public Schools can increase property values and desirability. When searching for a home, consider the local school district and its impact on your investment.
Tennessee offers several first-time homebuyer programs, including the Tennessee Housing Development Agency's (THDA) Great Choice Home Loan Program. This program provides competitive interest rates, down payment assistance, and lower mortgage insurance premiums. NMHL can help you navigate these programs and find the best fit for your situation.
While bad credit can make it more challenging to secure a mortgage, NMHL offers specialized programs for borrowers with less-than-perfect credit. Our loan officers will work with you to explore options and find a mortgage solution that fits your needs. We consider factors beyond credit scores, such as income and debt-to-income ratio, to determine your eligibility.
Neighborhoods like Antioch, Donelson, and Madison offer more affordable options compared to the city average. East Nashville and Germantown are popular areas with a mix of character and amenities. The Gulch and 12South are premium urban neighborhoods with high-end properties. NMHL's local expertise can help you navigate these neighborhoods and find the best fit for your budget and lifestyle.
Getting pre-approved for a mortgage with NMHL is a straightforward process. Simply contact one of our loan officers or start your application online. We'll review your financial information and provide a pre-approval letter stating the amount you're qualified to borrow. This letter is typically valid for 30-60 days and can give you an edge when making an offer on a home.
Related Resources
Ready to Buy in Nashville?
Let NMHL help you navigate the Nashville housing market with expert guidance and competitive rates.