Loan programs
Every option, explained like a friend would
Seven programs, one honest question behind each: is this the right fit for you? Read up, then text Autumn and she’ll narrow it to the two or three worth comparing.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — much of East Tennessee outside Knoxville proper qualifies, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Tennessee has real down payment help — THDA’s Great Choice Plus program can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Autumn will show you. When it doesn’t, she’ll tell you.
Learn more →
Have a question? Just ask Autumn.
No pressure, no jargon, no obligation — just a straight answer from someone who’s been doing this since 2002. Text, call, or apply whenever you’re ready.