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Home Loans

 

Homeownership is a huge decision, but you don’t have to make it alone.
We help you every step of the way for the best home buying experience possible.

30 Year Fixed-Rate Mortgage
Effective 12-03-2021
As low as...
3.186% APR1
Interest rates as low as 3.000%

A fixed-rate mortgage loan of $200,000.00 for 30 years at 3.000% interest and 3.186% APR will have a monthly payment of $843.21. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

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15 Year Fixed-Rate Mortgage
Effective 12-03-2021
As low as...
2.585% APR2
Interest rates as low as 2.250%

A fixed-rate mortgage loan of $200,000.00 for 15 years at 2.250% interest and 2.585% APR will have a monthly payment of $1,310.17. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

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HOW TO GET STARTED

Our Loan Officers provide YOU the best service possible so you can worry less. We know part of a great home buying experience is to have a strong financial partner to help you navigate the details of the home loan process. We are committed to answering your questions and helping you understand all your financing options.

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KEY WORDS DEFINED

OFFER

A document that outlines the proposed purchase price and any stipulations about buying a specific property.

CONTINGENT

The offer on a house has been accepted, but certain criteria must be met (like a home inspection) before the final sale can advance.

CLOSING COSTS

Fees paid at the end of the buying process by either the seller, buyer, or both.

EARNEST MONEY

Deposit made by the buyer (typically to an escrow account) to show good faith in purchasing a property.

HOME INSPECTION

Examination of the property’s condition, performed by a professional.

TITLE

A document that shows legal ownership of a property.

APPRAISAL

An evaluation performed by a professional to determine market value of a property.

SIGNING

This is when you close for your home! Be prepared for it to take about an hour to sign all the necessary paperwork.

HOME EATING PIZZA
WHAT YOU NEED FOR YOUR APPLICATION
  • Two forms of identification (including one photo ID)
  • Two-year work history
  • Most current pay stub (within last 30 days)
  • W-2s and tax returns (from the last two years)
  • Bank statements (from the last two months)
  • Address history (from the last two years)
  • Homeowner insurance company name and phone number
  • Sales contract (only for purchase loans)
  • Legal description of the property (Warranty Deed or Trust Deed)
  • Current mortgage statement (if applicable)
  • Most recent awards letter for Social Security and/or pension income (if applicable)

MORTGAGE / HOME LOANS QUESTIONS
(865) 544-5409
EMAIL US

MORTGAGE PAYOFF REQUESTS
(865) 544-5409
REQUEST A PAYOFF ONLINE

Not all requests can be processed online.
Payoffs may also be requested by faxing a request to (865) 544-5698.

FREQUENTLY ASKED QUESTIONS:

  • HOW MUCH CAN I AFFORD?

    There are many decisions when it comes to a home loan. Use our online calculators to determine your mortgage payment and more.

  • HOW MUCH DOWN PAYMENT DO I NEED?

    That depends on which home loan you get! Some loan types, such as a VA or USDA, can have $0.00 down payment options. But for most home loans, you’ll want at least 3.00 - 5.00% of the purchase price saved for your down payment.

  • HOW DO I KNOW WHICH HOME LOAN IS RIGHT FOR ME?

    Don't fret; this is where we can help! Your home loan officer will evaluate your situation and help you find the best home loan solution to fits your needs.

  • WHERE CAN I FIND HOME LOAN RATES?

    View the most up-to-date rates here.

  • WHAT IS A CREDIT SCORE?

    Think of your credit score as your report card on how well you pay on time. It allows others to know if you can pay bills on time and repay debts or loans consistently. It tells a lender you can handle your finances responsibly. It’s typically a three-digit number ranging between 300-850.

  • HOW DOES CREDIT IMPACT MY HOME LOAN OPTIONS?

    Your credit score impacts what loan options are available to you as well as the rate you receive. Curious what your score is? Check your credit score for FREE! To access this Member perk, just log in to online or mobile banking!

  • WHAT IS PMI, AND DO I REALLY HAVE TO PAY FOR IT?

    PMI stands for Private Mortgage Insurance. Anytime you purchase a house with less than a 20.00% down payment, PMI is added as extra protection to the lender. However, our in-house loans offer no PMI options (a special Member Perk just for you)!