Mortgage loans in Tennessee
Justin Mackler is licensed to originate home loans in Tennessee. Here is how a Tennessee loan works with him, which programs are available, and a few state rules worth knowing.
How a Tennessee loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Tennessee title or closing professional handle the appraisal and title work.
- Closings take place in Tennessee with a local title company, closing attorney, or settlement agent, as state rules require.
Loan programs available in Tennessee
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
THDA's Great Choice Home Loan can be paired with THDA down payment assistance, subject to county income and price limits and homebuyer education. Tennessee Housing Development Agency (THDA)
Tennessee details to know
- Tennessee charges a realty transfer tax of $0.37 per $100 of the purchase price and a mortgage (indebtedness) tax of $0.115 per $100 of debt, with the first $2,000 exempt. Source: Tennessee DOR: Recordation Tax Rates
- Fourteen Nashville-area counties, including Davidson, Williamson, Rutherford, Sumner, Wilson and Maury, have a 2026 one-unit conforming limit of $1,029,250. Source: FHFA 2026 county loan limit list
- THDA down payment assistance is a second loan that requires a Great Choice first mortgage. Source: THDA: Down Payment Assistance
Last reviewed 2026-10-29.
Tell Justin about your Tennessee purchase or refinance and he will follow up with real options.
Tennessee mortgage questions
Can Justin Mackler help with a mortgage in Tennessee?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Tennessee through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Tennessee?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Tennessee with a local title company, closing attorney or settlement agent, as state rules require.
Is the conforming loan limit higher in Nashville?
Yes. For 2026, FHFA set the one-unit limit at $1,029,250 for Davidson, Williamson, Rutherford, Sumner, Wilson and other Nashville-metro counties. Most other Tennessee counties use the $832,750 baseline.
What recording taxes apply when I buy a home in Tennessee?
The deed transfer tax is $0.37 per $100 of the price, and the mortgage tax is $0.115 per $100 of the loan amount after the first $2,000.
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Share your goal, price or loan amount, credit range, timeline, and your Tennessee property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.