First-time Home Buying

Enjoy Hassle-Free Home Buying – We’ve Perfected the Purchase Process!

Get pre-approved – before you shop for your new home – and get more bargaining power. We can match you with a trusted, pre-screened real estate agent through our affiliate program with the Knoxville Area Assoication of Realtors. Partnered agents help ensure a seamless home buying experience.

Our mortgage programs allow you to buy a home with a minimal down payment. Some programs require as little as 3.5% down! In many cases, your down payment can be a gift from a relative or non-profit organization. Every day for the past 23 years we’ve helped tennesseans all across the state, just like you, buy their first home. Find out if you qualify! Or contact us today to see how we can help.

Why Smokey Mountain Mortgage?

We’re one of the highest ranked local mortgage companies in Customer Satisfaction for Primary Mortgage Origination.

We will work hard to close your loan quickly.

We have an A+ rating according to the Better Business Bureau. And we’re ‘quick, easy, and worry free, that's why where certain that we’ve helped financed a neighbor near you!

Most Popular Home Loans for First-Time Home Buyers:

• Purchase your home with only 3.5% down. Closing costs can be a gift from a relative!

FHA Loan

• Our most popular mortgage. Get a low payment and the security your rate won’t change for the life of your loan.

30-Year Loan

• No down payment, no PMI and flexible credit requirements make the VA loan a top choice for veterans and active military members.

VA Loan