Locally-owned and family-operated, we've provided mortgages, refinancing, and first-class customer service to hundreds of satisfied East Tennessee residents since 1991. VA loans help both active and military veterans finance the purchase of their new homes, or the refinance of their current home, with 100% financing and no down payment. Eliminate credit card debt, student loan debt, personal loan debt, and pesky high-interest auto loans debt by refinancing your mortgage.
Are you 62 years or older and would like to access some cash? Our reverse mortgage option allows you to access the equity in your home and convert it to cash. Consolidate debt, lower payments, lower rate, reduce the term of your mortgage, get cash in hand! You took the stress out of home buying and we're always friendly, helpful and professional. You all came highly recommended and we will definitely highly recommend you to others.
Thanks so much! We can't say enough good things about Fountain City Finance with regard to their professionalism, courtesy, knowledge, and especially the teamwork that exists within this company.
Are you 62 years or older and would like to access some cash? Our reverse mortgage option allows you to access the equity in your home and convert it to cash. Consolidate debt, lower payments, lower rate, reduce the term of your mortgage, get cash in hand! You took the stress out of home buying and we're always friendly, helpful and professional. You all came highly recommended and we will definitely highly recommend you to others.
Thanks so much! We can't say enough good things about Fountain City Finance with regard to their professionalism, courtesy, knowledge, and especially the teamwork that exists within this company.
Services
Fountain City Finance has been providing financial services to hundreds of satisfied East Tennessee residents since 1991.
We maintain a local, hometown approach while providing first-class customer service for our clients.
Our professionalism along with our choice of products will leave you with an outstanding customer experience, unlike any other financial company.
We are a locally owned and operated company for over 30 years.
Our sister company Fountain City Funding, Inc. is our mortgage banker division which provides a diversified line of residential mortgage products at great rates and terms.
We maintain a local, hometown approach while providing first-class customer service for our clients.
Our professionalism along with our choice of products will leave you with an outstanding customer experience, unlike any other financial company.
We are a locally owned and operated company for over 30 years.
Our sister company Fountain City Funding, Inc. is our mortgage banker division which provides a diversified line of residential mortgage products at great rates and terms.
You took the stress out of home buying and we're always friendly, helpful and professional.
You all came highly recommended and we will definitely highly recommend you to others.
Thanks so much!
Daryl and the crew at Fountain City Finance kept me on track with my first home purchase!
Every person I spoke with was always kind, professional, and helpful with anything needed.
We were first time home buyers and Fountain City Finance made our experience easy and painless.
Thank you so much, Daryl DeCosta, for guiding us through this process.
You all came highly recommended and we will definitely highly recommend you to others.
Thanks so much!
Daryl and the crew at Fountain City Finance kept me on track with my first home purchase!
Every person I spoke with was always kind, professional, and helpful with anything needed.
We were first time home buyers and Fountain City Finance made our experience easy and painless.
Thank you so much, Daryl DeCosta, for guiding us through this process.
Conventional loans are mortgage loans offered by non-government sponsored lenders.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
Down payment requirements may be as little as 3% or as much as the borrower would like to put down.
Loans with less than 20% down can have the option to have Mortgage Insurance Monthly, or Lender paid mortgage insurance.
Seller can pay a portion of the buyer's closing cost or all depending on percent down.
Purchase primary home, second home, and investment homes on conventional loans.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
Down payment requirements may be as little as 3% or as much as the borrower would like to put down.
Loans with less than 20% down can have the option to have Mortgage Insurance Monthly, or Lender paid mortgage insurance.
Seller can pay a portion of the buyer's closing cost or all depending on percent down.
Purchase primary home, second home, and investment homes on conventional loans.
FHA is an option that is offered to consumers that may have not-so perfect credit, or perhaps are looking to put a minimal down payment on a home.
They offer a low down payment of 3.5%, and credit scores can be much lower than on other products.
Seller can pay up to 6% in closing cost for buyer.
This loan is insured by the Federal Housing Administration (FHA).
Higher debt to income ratios are allowed on FHA, which help the buyer afford more home.
The maximum loan amount on FHA is currently $294,515.
They offer a low down payment of 3.5%, and credit scores can be much lower than on other products.
Seller can pay up to 6% in closing cost for buyer.
This loan is insured by the Federal Housing Administration (FHA).
Higher debt to income ratios are allowed on FHA, which help the buyer afford more home.
The maximum loan amount on FHA is currently $294,515.
Veterans Administration (VA) loans were created to help veterans finance the purchase of their new homes, or the refinance of their current home.
They are offered to Active Military personnel and those that have served in the past.
They offer 100% financing with NO down Payment on most loan products and do not require mortgage insurance.
The loans are fixed rate for the life of the loan and do not have a pre-pay penalty.
These loans are insured by the US government and offer a no down payment option for the consumer.
They are offered to Active Military personnel and those that have served in the past.
They offer 100% financing with NO down Payment on most loan products and do not require mortgage insurance.
The loans are fixed rate for the life of the loan and do not have a pre-pay penalty.
These loans are insured by the US government and offer a no down payment option for the consumer.
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