At Smokey Moutain Mortgage, our loan process is simple. We will help you find the Perfect Loan. Unlike most other banks and mortgage companies, we work with many lenders and work hard to find the best options availiable for you, no matter which lender.
We're honored to help veterans refinance or buy their homes with the VA loan program. Zero down for home purchases and 100% refinancing.
The easiest way to qualify for refinancing or home buying, an FHA gives you a government - insured loan with flexible choices – opt for the security of a fixed rate or the versatility of an FHA 5-year ARM.
Mortgage Rates
Program |
Rate |
APR |
Down Payment |
| Rural Development | 3.750% | 4.303% | 0% |
| VA 30 yr. Fixed (**No Origination) | 4.000% | 4.212% | 0% |
| FHA 30 yr. Fixed | 3.750% | 4.861% | 3.5% |
| THDA | 4.550% | 5.528% | 0%* |
| 30 yr. Fixed Conventional | 3.875% | 4.738% | 5% |
| 15 yr. Fixed Conventional (**No Origination) | 3.375% | 4.185% | 5% |
| Jumbo 30yr. Fixed | 5.000% | 5.158% | 10% |
Updated December 22, 2011 3:20PM EST
Rates quoted above are for owner occupied single family residences only and rates are subject to change at any time without notice. All rates are based on a 30 day lock and are subject to customer qualification, underwriting approval and satisfactory property appraisal. The fees calculated in the APR figures above are estimates. Exact fees will be determined after borrower’s complete application is received and on an individual basis as this information is based on several factors such as borrower’s credit, loan product, loan amount, etc. that we are unable to accurately determine prior to receipt of a full application. All rates listed are based on a borrower paid model, unless otherwise noted. **No origination means no upfront origination fee paid to Smokey Mountain Mortgage. Our fees will be paid by the Lender in this scenario. *0% down on a THDA loan is a 96.5% FHA/THDA loan with a 4% grant from THDA applied towards down payment/closing costs. This is not a commitment to lend. Smokey Mountain Mortgage NMLS# 14636
Smokey Mountain Mortgage, LLC
110 Westfield Road,
Knoxville, TN, 37919, USA
Tel: (865) 588-5626
Toll Free: (877) 274-2402
Smokey Mountain Mortgage LLC - licensed under the Tennessee Residential Lending, Brokerage and Servicing Act. TN License #1392, National Mortgage Licensing System. NMLS #146366, licensed Mortgage Originator.
Smokey Mountain Mortgage is an Equal Housing Opportunity Lender.
