We are a local, knowledgeable, and professional mortgage company that cares about its clients. Real Estate Finance Group employs credit trained mortgage consultants with immediate decision making authority*. REFG is fueled by a genuine belief in the 'customer for life' principal. Referrals both from previous customers and local real estate professionals have always produced the majority of our company's business.
Services
Any mortgage that is not guaranteed or insured by the federal government.
A conventional loan is generally referring to a mortgage loan that follows the guidelines of government sponsored enterprises (GSE's) like Fannie Mae or Freddie Mac.
Conventional loans may be either "conforming" or "non-conforming".
Conforming loans follow the terms and conditions set by Fannie Mae and Freddie Mac.
Nonconforming loans don't meet Fannie Mae or Freddie Mac guidelines, but they are also considered conventional.
A conventional loan is generally referring to a mortgage loan that follows the guidelines of government sponsored enterprises (GSE's) like Fannie Mae or Freddie Mac.
Conventional loans may be either "conforming" or "non-conforming".
Conforming loans follow the terms and conditions set by Fannie Mae and Freddie Mac.
Nonconforming loans don't meet Fannie Mae or Freddie Mac guidelines, but they are also considered conventional.
FHA loans have been helping people become homeowners since 1934.
How do they do it?
The Federal Housing Administration (FHA), which is part of HUD, insures the loan, so your lender can offer you a better deal.
Want a Fixer-Upper?
If you're buying your first home, FHA might be just what you need.
Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan.
Available on 1-4 unit properties.
FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan.
How do they do it?
The Federal Housing Administration (FHA), which is part of HUD, insures the loan, so your lender can offer you a better deal.
Want a Fixer-Upper?
If you're buying your first home, FHA might be just what you need.
Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan.
Available on 1-4 unit properties.
FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan.
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA).
The loan may be issued by qualified lenders.
The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment.
The loan may be issued by qualified lenders.
The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment.
Single Family Housing Programs provide homeownership opportunities to low-and moderate-income rural Americans through several loan, grant, and loan guarantee programs.
The programs also make funding available to individuals to finance vital improvements necessary to make their homes decent, safe, and sanitary.
Rural Housing Guaranteed Loan - Applicants for loans may have an income of up to 115% of the median income for the area.
Area income limits for this program are here.
Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance.
The programs also make funding available to individuals to finance vital improvements necessary to make their homes decent, safe, and sanitary.
Rural Housing Guaranteed Loan - Applicants for loans may have an income of up to 115% of the median income for the area.
Area income limits for this program are here.
Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance.
A detailed analysis of your financial situation is required in order to provide you an accurate rate quote.
Whether in Knoxville, Tennessee or nationwide, factors like loan size, property type, and credit score are all considered when pricing a loan.
We know what it feels like to be told one thing at the beginning and later to discover that something else is in fact the case.
We prefer to quote accurately up front, and we take the time with you to do so.
An initial consultation of less than 30 minutes gives us most of the information that we need to give you a meaningful rate quote.
Whether in Knoxville, Tennessee or nationwide, factors like loan size, property type, and credit score are all considered when pricing a loan.
We know what it feels like to be told one thing at the beginning and later to discover that something else is in fact the case.
We prefer to quote accurately up front, and we take the time with you to do so.
An initial consultation of less than 30 minutes gives us most of the information that we need to give you a meaningful rate quote.
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