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Contact The HomeTown Lenders Nashville Team

Contact Us To Get Prequalified For Your Mortgage Home Loan or To Start Your Loan Process

Ready to buy your home?

*Approximately 3 -5 Minutes to Complete the Form.

Get In Touch With The Hometown Lenders Nashville Mortgage Team

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Send Us a Message

Contact Info

Call or message us to schedule your appointment to get prequalified or to start your mortgage loan application process. 

HomeTown Lenders, Inc. Logo | Meet the Nashville Home Lender Mortgage Team | HomeTown Lenders, Inc. Clarksville TN Branch Serving Nashville and All Of Tennessee
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Home Loan Pre-Qualificaton Inquiry

1
About You
2
Preliminary Questions
3
Complete
Enter Your Information
Preliminary Questions
Final Questions

Thank you for choosing HomeTown Lenders for your home loan mortgage needs. One of our team members will contact you within the next 24 hours. In case of weekends or holidays, we will contact you the next available business day.

FHA, VA, USDA Loans SPECIAL RESTRICTIONS

Special restrictions and guidelines for bad or poor credit.

All loans FHA, VA, USDA:

  1. FHA –  Minimum loan amount 200K
  2. Alternant trade lines ( utility bill, child care, insurance etc) 12 month history no late payments
  3. BK 7 Discharge over 2 years.  BK CH 13 3 years from file date
  4. Foreclosures over 3 years  
  5. Verifiable Rental history 12 months no lates (Cancel checks, money orders or by management company)
  6. 3 Months of reserves ( 3 months payments in reserves . example in bank, 401k etc)
  7. No excessive late payments in the past 12 months
  8. No Mortgage lates

On FHA with Credit scores less than 580

  • 90% LTV(Loan to Value) with 10% Down payment .

On VA with Credit scores less than 580  

  • 3.  100% LTV(Loan to Value) NO Down Payment

 On USDA with Credit scores  of 580-619

  • 100% LTV(Loan to Value) NO Down Payment

Guidelines

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