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Find Mortgage Lenders Near You in Athens, TN

Looking for a mortgage lender in Athens? Review the directory below to compare your options.

2 agents listed
Updated June 2026
Athens, TN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Tennessee before hiring.
Showing 2 mortgage lenders in Athens, TN Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Motto Mortgage Preferred Brokers
801 Decatur Pike Suite 3, Athens, TN 37303
(423) 453-8473 mottomortgage.com
Matt Ronne Motto Mortgage Preferred Brokers
801 Decatur Pike Suite 3, Athens, TN 37303
(423) 405-5418 mottomortgage.com

Mortgage lenders in Athens Tennessee help home buyers and homeowners secure financing for property purchases and refinancing. Tennessee law requires lenders to be licensed through the Tennessee Department of Financial Institutions. Local lenders understand the Athens real estate market and can guide you through the loan process.

What Does a Mortgage Lender in Athens Cost?

Typical costs for a mortgage lender in Tennessee include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance ranging from 500 to 1,500 dollars. Closing costs generally total 2 to 5 percent of the purchase price. This is general information, not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What documents do I need to apply for a mortgage in Athens Tennessee?
You typically need pay stubs, tax returns, bank statements, and identification. Tennessee lenders also require proof of homeowners insurance and a property appraisal.
How long does the mortgage process take in Tennessee?
The process usually takes 30 to 45 days from application to closing. Tennessee law requires a three day rescission period for refinances but not for purchase loans.
What are the down payment requirements for a home loan in Athens?
Down payments vary by loan type. Conventional loans often require 3 to 20 percent down. FHA loans allow as low as 3.5 percent. USDA and VA loans may require zero down for qualified buyers.

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