Tennessee mortgages · every county

Mortgages in Tennessee.

Nick Grisanti
Nick Grisanti
Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

Purchase, refinance, home equity and investment property loans in all 95 Tennessee counties, from 100+ wholesale lenders through C2 Financial Corporation.

  • 100+Wholesale lenders
  • 95Tennessee counties
Step 1 of 4
What can we help you with?
LicensedStatewide in Tennessee C2 Financial CorporationLicensed mortgage broker 100+ lendersWholesale network
Loans in Tennessee

Loan programs

From Nashville and Knoxville to Chattanooga and Memphis, Tennessee draws buyers relocating from other states and investors looking for rentals. Nick is licensed as a Mortgage Loan Originator in Tennessee and works with buyers, homeowners and investors statewide.

Most common Conventional Fannie Mae and Freddie Mac loans for primary homes, second homes and investment property. Conventional loans → Flexible credit FHA Low down payment and flexible credit guidelines for a primary home. FHA loans → Veterans VA For eligible veterans, service members and surviving spouses. VA loans → Higher prices Jumbo Loan amounts above the conforming limit. Jumbo loans → Investors DSCR Investment property loans that qualify on the property's rental income. DSCR loans → Self-employed Bank statement For self-employed borrowers whose tax returns understate their income. Bank statement loans → Home equity HELOC and cash-out Borrow against your home's equity with a line of credit or a cash-out refinance. Compare options →

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Local rules and costs

What's different about Tennessee

Taxes No tax on wages Tennessee doesn't tax earned income, and the old Hall tax on investment income was fully repealed in 2021.
Closing Transfer tax A recordation (transfer) tax of $0.37 per $100 of the property's value is due when the deed is recorded. Who pays it is negotiable in the contract.
Closing Mortgage tax An indebtedness tax of $0.115 per $100 of the loan amount above the first $2,000 is due when the mortgage is recorded. It shows up in your closing costs.
Loan limits Metro FHA limits vary Some counties in the larger metros have FHA limits above the national floor, so check your county before you set a price range.
Investors Rental property in Tennessee A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Tennessee. How DSCR works →
2026

Loan limits in Tennessee

Conforming · 1 unit $832,750 Baseline limit for most Tennessee counties, set by FHFA.
FHA · 1 unit From $541,287 The national floor; some higher-cost counties go up to $1,249,125.
VA No set cap With full entitlement. Lender limits still apply.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Any state

Guides and tools

Calculators Tools Payment, affordability, DSCR, refinance and rent vs. buy. Quick estimates. Open tools → Start here Mortgage 101 Rates, APR, points, mortgage insurance and the terms you'll see on a Loan Estimate. Read the guide → Buying Pre-approval What a real pre-approval involves and why sellers care. Read the guide → Applying Document checklist What to gather before you apply, by income type. See the checklist → Investors DSCR explained How rental income qualifies an investment property loan. Read the guide → All guides Guides Every guide on the site, plus free PDF downloads. Browse guides →
Questions

FAQ

Is Nick Grisanti licensed in Tennessee?
Yes. Nick Grisanti is licensed as a Mortgage Loan Originator in Tennessee, and loans are originated through C2 Financial Corporation. License numbers are at the top of this page.
What closing taxes does Tennessee charge?
A transfer tax of $0.37 per $100 of the property's value and a mortgage (indebtedness) tax of $0.115 per $100 of the loan above the first $2,000. Your Loan Estimate shows the exact amounts.
Can I get a HELOC in Tennessee?
Yes, on a primary home or, with some lenders, a second home or investment property. Limits depend on your equity, credit and the lender's program.
Can I buy a rental property in Tennessee if I live in another state?
Yes. DSCR and conventional investment loans don't require you to live in Tennessee. Business-purpose loans are subject to lender guidelines.
Does Nick lend everywhere in Tennessee?
Yes. Nick is licensed throughout Tennessee and works with buyers and homeowners in all 95 Tennessee counties.
Also licensed in

Other states

Investment property in another state? Business-purpose loans (for example, DSCR loans for rental and investment properties) may be available in other states, subject to state rules and lender guidelines. Call Nick or email Nick for details.