Tennessee Mortgage Rates and Refinance Rates

Tennessee Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Tennessee. Our rate table has a list of Tennessee mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Tennessee you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Tennessee include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Tennessee listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 37201, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 109425
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Northpointe Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,962
Thank you for your inquiry! 
 
First Mortgage Direct Logo
NMLS # 244476
State Lic # 128181
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $361
 
 
e-Lend Logo
NMLS # 2826
State Lic # 109347
(877) 410-5082
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,378
 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # 117278
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,996
Thank you for your inquiry, we will be in touch shortly. 
 
First Mortgage Direct Logo
NMLS # 244476
State Lic # 128181
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 109425
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
e-Lend Logo
NMLS # 2826
State Lic # 109347
(877) 410-5082
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 109084
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # 117278
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $266
Thank you for your inquiry, we will be in touch shortly. 
 
Northpointe Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $337
Thank you for your inquiry! 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 109425
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # 117278
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,324
Thank you for your inquiry, we will be in touch shortly. 
 
First Internet Bank Logo
NMLS # 424182
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $423
Thank you for your inquiry! 
 
First Internet Bank Logo
NMLS # 424182
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,488
Thank you for your inquiry! 
 
RockBottom Mortgage LLC Logo
NMLS # 1141327
State Lic # 120991
at 0.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,585
Free No Obligation Loan Quote with NO COST OPTIONS 
 
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: $795
 
 
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $865
 
 
Community First Bank & Trust
4.167%
12/13/2017
4.125%
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,011
 
 
LincolnWay Community Bank
3.920%
12/12/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 
Wilson Bank & Trust
4.173%
12/14/2017
4.125%
at 0.205 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $735
 
 
Bank of America
4.207%
12/12/2017
4.125%
at 0.541 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $875
 
 
Citizens Bank, NA
4.292%
12/15/2017
4.250%
at 0.000 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $998
 
 
Regions Bank
4.290%
12/15/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $950
 
 
Bank of Oak Ridge
4.117%
12/14/2017
4.060%
at 0.250 pts
60 day lock rate
Est payment: $961.76
Fees in APR: $853
 
 
Independent Bank
4.145%
12/14/2017
4.125%
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $485
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Tennessee Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Tennessee. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Tennessee mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Tennessee mortgage loans that have been made. As a result, Tennessee mortgage rates today are lower than jumbo interest rates in Tennessee. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Tennessee Super Conforming Home Loan Rates

Super conforming mortgages in Tennessee are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Tennessee Jumbo Loan Interest Rates

Tennessee jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Tennessee are usually 0.75 basis points higher than conforming mortgage rates in Tennessee because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Tennessee Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Tennessee. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Tennessee Adjustable Interest Rates

Tennessee adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Tennessee Interest Only Home Mortgage Rates

Tennessee interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Tennessee FHA Mortgage Mortgage Rates

Borrowers in Tennessee must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Tennessee are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Tennessee Rates & Resources


Cities in Tennessee

Adams

Adamsville

Afton

Alamo

Alcoa

Alexandria

Allardt

Allons

Allred

Alpine

Altamont

Andersonville

Antioch

Apison

Ardmore

Arlington

Arnold AFB

Arrington

Arthur

Ashland City

Athens

Atoka

Atwood

Auburntown

Bakewell

Bath Springs

Baxter

Bean Station

Beech Bluff

Beechgrove

Beersheba Springs

Belfast

Bell Buckle

Bells

Belvidere

Benton

Bethel Springs

Bethpage

Big Rock

Big Sandy

Birchwood

Blaine

Bloomington Springs

Blountville

Bluff City

Bogota

Bolivar

Bon Aqua

Braden

Bradford

Bradyville

Brentwood

Briceville

Brighton

Bristol

Brownsville

Bruceton

Brunswick

Brush Creek

Buchanan

Buena Vista

Buffalo Valley

Bulls Gap

Bumpus Mills

Burlison

Burns

Butler

Bybee

Byrdstown

Calhoun

Camden

Campaign

Carthage

Caryville

Castalian Springs

Cedar Grove

Cedar Hill

Celina

Centerville

Chapel Hill

Chapmansboro

Charleston

Charlotte

Chattanooga

Chestnut Mound

Chewalla

Christiana

Chuckey

Church Hill

Clairfield

Clarkrange

Clarksburg

Clarksville

Cleveland

Clifton

Clinton

Coalfield

Coalmont

Cokercreek

College Grove

Collegedale

Collierville

Collinwood

Columbia

Como

Conasauga

Cookeville

Copperhill

Cordova

Cornersville

Corryton

Cosby

Cottage Grove

Cottontown

Counce

Covington

Cowan

Crab Orchard

Crawford

Crockett Mills

Cross Plains

Crossville

Crump

Culleoka

Cumberland City

Cumberland Furnace

Cumberland Gap

Cunningham

Cypress Inn

Dandridge

Darden

Dayton

Decatur

Decaturville

Decherd

Deer Lodge

Del Rio

Delano

Dellrose

Denmark

Dickson

Dixon Springs

Dover

Dowelltown

Doyle

Dresden

Drummonds

Duck River

Ducktown

Duff

Dukedom

Dunlap

Dyer

Dyersburg

Eads

Eagan

Eagleville

Eaton

Eidson

Elgin

Elizabethton

Elkton

Ellendale

Elmwood

Elora

Englewood

Enville

Erin

Erwin

Estill Springs

Ethridge

Etowah

Eva

Evensville

Fairview

Fall Branch

Farner

Fayetteville

Finger

Finley

Five Points

Flag Pond

Flintville

Fosterville

Frankewing

Franklin

Friendship

Friendsville

Fruitvale

Gadsden

Gainesboro

Gallatin

Gallaway

Gates

Gatlinburg

Georgetown

Germantown

Gibson

Gladeville

Gleason

Goodlettsville

Goodspring

Gordonsville

Grand Junction

Grandview

Granville

Graysville

Greenback

Greenbrier

Greeneville

Greenfield

Grimsley

Gruetli Laager

Guild

Guys

Halls

Hampshire

Hampton

Harriman

Harrison

Harrogate

Hartford

Hartsville

Heiskell

Helenwood

Henderson

Hendersonville

Henry

Hermitage

Hickman

Hickory Valley

Hickory Withe

Hilham

Hillsboro

Hixson

Hohenwald

Holladay

Hollow Rock

Hornbeak

Hornsby

Humboldt

Huntingdon

Huntland

Huntsville

Huron

Hurricane Mills

Idlewild

Indian Mound

Iron City

Jacks Creek

Jacksboro

Jackson

Jamestown

Jasper

Jefferson City

Jellico

Joelton

Johnson City

Jonesborough

Kelso

Kenton

Kingsport

Kingston

Kingston Springs

Knoxville

Kodak

Kyles Ford

La Follette

La Grange

La Vergne

Laconia

Lafayette

Lake City

Lancaster

Lancing

Lascassas

Laurel Bloomery

Lavinia

Lawrenceburg

Lebanon

Lenoir City

Lenox

Leoma

Lewisburg

Lexington

Liberty

Limestone

Linden

Livingston

Lobelville

Lone Mountain

Lookout Mountain

Loretto

Loudon

Louisville

Lowland

Lupton City

Luray

Luttrell

Lutts

Lyles

Lynchburg

Lynnville

Macon

Madison

Madisonville

Manchester

Mansfield

Martin

Maryville

Mascot

Mason

Maury City

Maynardville

McDonald

McEwen

McKenzie

McLemoresville

McMinnville

Medina

Medon

Memphis

Mercer

Michie

Middleton

Midway

Milan

Milledgeville

Milligan College

Millington

Milton

Minor Hill

Miston

Mitchellville

Mohawk

Monroe

Monteagle

Monterey

Mooresburg

Morris Chapel

Morrison

Morristown

Moscow

Mosheim

Moss

Mount Carmel

Mount Juliet

Mount Pleasant

Mountain City

Mountain Home

Mulberry

Munford

Murfreesboro

Nashville

New Johnsonville

New Market

New Tazewell

Newbern

Newcomb

Newport

Niota

Nolensville

Norene

Normandy

Norris

Nunnelly

Oak Ridge

Oakdale

Oakfield

Oakland

Obion

Ocoee

Old Hickory

Oldfort

Olivehill

Oliver Springs

Oneida

Only

Ooltewah

Orlinda

Ozone

Pall Mall

Palmer

Palmersville

Palmyra

Paris

Parrottsville

Parsons

Pegram

Pelham

Petersburg

Petros

Philadelphia

Pickwick Dam

Pigeon Forge

Pikeville

Piney Flats

Pinson

Pioneer

Pleasant Hill

Pleasant Shade

Pleasant View

Pleasantville

Pocahontas

Portland

Powder Springs

Powell

Powells Crossroads

Primm Springs

Prospect

Pruden

Pulaski

Puryear

Quebeck

Ramer

Readyville

Reagan

Red Boiling Springs

Reliance

Riceville

Rickman

Riddleton

Ridgely

Ridgetop

Rives

Roan Mountain

Robbins

Rock Island

Rockford

Rockvale

Rockwood

Rogersville

Rossville

Rugby

Russellville

Rutherford

Rutledge

Saint Andrews

Saint Bethlehem

Saint Joseph

Sale Creek

Saltillo

Samburg

Santa Fe

Sardis

Saulsbury

Savannah

Scotts Hill

Selmer

Sequatchie

Sevierville

Sewanee

Seymour

Shady Valley

Sharon

Sharps Chapel

Shawanee

Shelbyville

Sherwood

Shiloh

Signal Mountain

Silerton

Silver Point

Slayden

Smartt

Smithville

Smyrna

Sneedville

Soddy Daisy

Somerville

South Fulton

South Pittsburg

Southside

Sparta

Speedwell

Spencer

Spring City

Spring Creek

Spring Hill

Springfield

Springville

Stanton

Stantonville

Stewart

Strawberry Plains

Sugar Tree

Summertown

Summitville

Sunbright

Surgoinsville

Sweetwater

Taft

Talbott

Tallassee

Tazewell

Telford

Tellico Plains

Ten Mile

Tennessee Ridge

Thompsons Station

Thorn Hill

Tigrett

Tipton

Toone

Townsend

Tracy City

Trade

Trenton

Trezevant

Trimble

Troy

Tullahoma

Turtletown

Unicoi

Union City

Unionville

Vanleer

Viola

Vonore

Walland

Walling

Wartburg

Wartrace

Washburn

Watauga

Watertown

Watts Bar Dam

Waverly

Waynesboro

Westmoreland

Westpoint

Westport

White Bluff

White House

White Pine

Whites Creek

Whitesburg

Whiteside

Whiteville

Whitleyville

Whitwell

Wilder

Wildersville

Williamsport

Williston

Winchester

Winfield

Winona

Woodbury

Woodland Mills

Woodlawn

Wynnburg

Yorkville

Yuma