Basically, you would start and find out what you can afford to purchase. Work down from there. Then we can find you a Realtor. Go into battle knowing what you are armed with. You must have 50% or less on your Debt To Income ratios to qualify. Financing up to 100% on VA (Vet) or USDA. FHA requires 3.5% down and can be a gift from family. Rates are low, but uncertainty is brewing around the World. I lend in all 50 States. I have low rates and fees. Get a couple quotes and call it a day.

Hi Joshua,I'm licensed in TN, but I don't originate many loans outside Memphis, TN - which is more our local market, so I won't be as familiar with your area.Purchasing in general - whether your are a first-time home buyer or not, will greatly depend on your current credit score and down payment capability.The best place to start would be to get a lender referral from a local Realtor your working with. This way you can alliance yourself with someone your Realtor knows and trusts.I would be more than happy to answer any questions you may have. If you have more, you can email me at dougc@fairwaymc.com. Thank you! Doug CappsFairway Mortgage

Joshua, There are many programs for first time buyers in Tennessee. You need to take into considration your credit score, size of your family, downpayment, location of property(rural location) and income level. Based on your income, there are down payment assistance programs and 100% financing available. I operate only in the state of Tennessee, from Memphis to Knoxville and everywhere inbetween. Please give me a call or email if you have any questions.

Hey Josh, the other 2 people that answered your question prior to me are right in what you're going to require. The good news is you have options, but too many variables for a simple answer. I am located in Murfreesboro TN just outside of Nashville. I have been in the mortgage industry for 24 yrs. Give my office a call if you would like to discuss your options further. Thanks Nancy Releford

Joshua:The process has become very frustrating and time consuming. Be prepared to give whom ever you trust your business to a great deal of paper work. I hope you are a patient person. Wish I could help however, I'm not licensed in Tennessee.Charlie

Hi Joshua. I am able to facilitate first time home buyer loans in your area. Depending upon whether you have downpayment money or not may dictate the financing you would need. There are loans that require no downpayment, such as VA (If you are a veteran) and USDA for specific governement designated areas. FHA requires 3 1/2 % down payment, but that can be a gift or come from a down payment assistance program in your area. Feel free to call on me if you would like more information about your qualifications and what is available to you.Patrick McCarthyNorthpointe Mortgage866-901-3576 direct