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Mortgage Refinancing Help

Mortgage Refinancing Help: Tennessee

“Be Realistic. Lenders have tightened up loan requirements, so you'll need a good credit score and at least some equity in your home to refinance. To figure out how much equity you have, subtract the total amount that you owe on all of your existing mortgages from how much you think your home is worth. If your credit is severely impaired or you owe more than the value of your home, you probably won't be able to refinance right now. ”

 
 
           
Mortgage Refinancing Help : Business: Financial Services: Banking Services: Banks and Institutions: Regional: North America: United States : Tennessee (51)

 

 

 

Mortgage Refinancing TipWeigh the costs carefully of how long you will be staying in your home vs. how much of a savings you will be getting in a refinance. Make sure you include closing costs in your decision.

Mortgage Refinancing Help: Tennessee ()

See also:

 
First State BankFirst State Bank »
Community bank based in Weakley County, with locations throughout northwest and middle Tennessee and the Memphis area. Locations, hours, details of products and services, and online banking access.
 
Reelfoot BankReelfoot Bank »
Community bank serving Obion and Weakley County, Tennessee and Fulton County, Kentucky. Locations, hours, other information, and online banking access.
 
Chester County BankChester County Bank »
A community bank serving Chester County and Henderson, Tennessee.
 
Peoples Bank of TennesseePeoples Bank of Tennessee »
Community bank serving people and businesses in Clifton and Waynesboro, Tennessee.
 
First Peoples Bank of TennesseeFirst Peoples Bank of Tennessee »
Local bank serving Jefferson, Hamblen and Knox counties in East Tennessee. Information about locations and products and services.
 
Insouth BankInsouth Bank »
Independent commercial bank with nine locations in West Tennessee and Nashville. Contains history, online banking, loan calculators and list of services.
 
Bank TennesseeBank Tennessee »
State-chartered bank with several locations in the Memphis area and branches in Ripley and Lebanon. Information on history, locations, and financial services offered.
 
Central BankCentral Bank »
Provides banking and investment services in Savannah, Tennessee.
 
Community Bank of Smith CountyCommunity Bank of Smith County »
Provides banking and investment services in Smith County, Tennessee.
 
Insurors Bank of TennesseeInsurors Bank of Tennessee »
Provides personal and business banking services for Nashville, TN.
 
First Community BankFirst Community Bank »
Community bank provides checking and savings services to eastern Tennessee.
 
Carroll Bank and TrustCarroll Bank and Trust »
Community bank in Carroll County and other West Tennessee areas. Locations, services, and other details.
 
Wilson BankWilson Bank »
Provides banking and investment services in Wilson, Trousdale and Davidson Counties.
 
Bank of FrankewingBank of Frankewing »
A local community bank providing financial services to Southern Middle Tennessee.
 
Bank of ClevelandBank of Cleveland »
A full-service community bank in Cleveland, Tennessee.
 
Bank of Putnam CountyBank of Putnam County »
Banking and financial institution with offices in Middle Tennessee.
 
Sevier County BankSevier County Bank »
Offers full service banking in Sevierville, Tennessee.
 
Citizens Bank of LafayetteCitizens Bank of Lafayette »
Based in Lafayette, with nine branches in four counties, offers deposit, loan, and mortgage services. Includes hours, locations, a list of services, and online banking features.
 
Commercial BankCommercial Bank »
Full-service bank with locations in Claiborne, Union, and Knox Counties in eastern Tennessee, as well as Bell and Harlan Counties in Kentucky. Site describes services, locations, and online banking.
 
Commercial Bank and Trust CompanyCommercial Bank and Trust Company »
Community Bank serving Paris, Union City, and Memphis, Tennessee.
 
Traders National BankTraders National Bank »
Community bank provides full service banking in Tullahoma and Winchester, Tennessee.
 
Security BankSecurity Bank »
Community bank serving customers in Dyersburg, Newbern, Trimble, Trenton, and Humboldt and surrounding Dyer and Gibson Counties. Online banking access and details of products and services.
 
Franklin Net BranchFranklin Net Branch »
Provides personal and business banking and lending services in Franklin, Tennessee.
 
Citizens Tri-County BankCitizens Tri-County Bank »
Offers individual and business banking services to eastern Tennessee.
 
Trust One BankTrust One Bank »
Community bank serving Memphis and the surrounding area.
 
Mountain National BankMountain National Bank »
Provides banking and investment services in Sevierville, Gatlinburg, and Pigeon Forge.
 
TriStar BankTriStar Bank »
Community bank offers financial services to Dickson, Tennessee.
 
Farmers National BankFarmers National Bank »
Provides banking and investment services in Lebanon, Tennessee.
 
First Century BankFirst Century Bank »
Locally owned bank with long history in Tazewell and surrounding Claiborne County, also with locations in Sneedville, North Knoxville, and Maynardville.
 
First Central BankFirst Central Bank »
A full service bank serving eastern Tennessee.
 
Citizens National BankCitizens National Bank »
A full service community bank serving Sevierville, Pigeon Forge, Kodak, Gatlinburg and Seymour, Tennessee.
 
C B & S BankC B & S Bank »
A locally owned, full-service bank in Alabama and Tennessee. Offers online banking and billpay to customers. History, locations, products and services.
 
Athens FederalAthens Federal »
Community bank offers savings and investmenst services in Athens, Tennessee.
 
First Volunteer BankFirst Volunteer Bank »
Community banking services in Campbell, Fentress, Hamilton, Knox, Lawrence, Marion, McMinn, and Putnam counties in Tennessee. Information on business history, products, and services.
 
Community South BankCommunity South Bank »
Offers "hometown" financial services, with locations in 11 Tennessee cities and towns. Information on services for businesses and individuals, rates and fees, and online banking access.
 
Community First BankCommunity First Bank »
Provides banking products and financial services in Maury County.
 
Tennessee Commerce BankTennessee Commerce Bank »
Independent, locally oriented business bank headquartered in Franklin, Tennessee.
 
First Farmers and Merchants National BankFirst Farmers and Merchants National Bank »
Offers banking services in Middle Tennessee. Based in Columbia, with branches in Bon Aqua, Centerville, Chapel Hill, Lawrenceburg, Leoma, Lewisburg, Loretto, Mt. Pleasant, Pulaski, Spring Hill, and White Bluff. Includes bank history and information about internet banking and other products and services.
 
Tennessee State BankTennessee State Bank »
Offers personal and business banking and lending services in and near Sevier County, with headquarters in Pigeon Forge. Product and service information; online banking access.
 
Bank of Fayette CountyBank of Fayette County »
An independent, locally owned and operated bank serving Fayette County in Tennessee, with branches in Moscow, Collierville, and Somerville.
 
Highland Federal BankHighland Federal Bank »
Provides banking and investment services for Crossville, Tennessee.
 
Citizens First BankCitizens First Bank »
Provides personal and business banking in Wartburg and Oliver Springs, Tennessee.
 
DeKalb Community BankDeKalb Community Bank »
Provides banking and investment services in DeKalb County, Tennessee.
 
PeoplePeople's Bank and Trust Company of Pickett County »
Provides personal and business banking services in Byrdstown.
 
Volunteer State BankVolunteer State Bank »
Community bank serving Portland, Hendersonville, Gallatin, White House, Springfield and Orlinda in Sumner and Robertson Counties of Middle Tennessee.
 
First Federal BankFirst Federal Bank »
Community-oriented financial institution with operations in Dickson, Centerville, Fairview, Waverly, New Johnsonville, Charlotte, Vanleer and White Bluff in Middle Tennessee. Includes access to online banking.
 
First National Bank of OneidaFirst National Bank of Oneida »
Provides banking, lending and investment services to Oneida, Tennessee.
 
The Hardin County BankThe Hardin County Bank »
locally owned and operated institution based in Savannah, Tennessee, with other locations in Adamsville and Pickwick/Counce.
 
First TennesseeFirst Tennessee »
Offers banking and financial services. Locations throughout Tennessee and in Mississippi. Online services.
 
Farmers State BankFarmers State Bank »
Provides banking services for Johnson County, Tennessee and its surrounding areas.

 


 		       


Mortgage Refinancing TipWhen refinancing a mortgage, as many as 30% of homeowner's cash out part or all of their home's equity. By investing in home improvements or paying off credit cards, this can be a smart. But, if you are borrowing more than 80% of your home's value, you will be hit with private mortgage insurance, costing you hundreds a year.
 

Mortgage Refinancing TipIt is feasible to go for a refinance when you have built up at least 10% equity in your home (For Fannie Mae owned mortgages, the value is 5%). It is also possible for you to choose the option if your equity is less than 5%, but you may have to pay a certain amount of cash in order to make up for the difference in equity.
 

Mortgage Refinancing TipClose inactive credit card accounts to improve your credit score, making you eligible for lower interest rate loans. You will need to notify the credit card companies in writing that you wish the accounts closed on your request. Next, check your credit report after 30 days to be sure closed accounts include the comment "Closed at Customer's Request." You want future lenders to know it was your request and not bad credit that closed your accounts. Also, take the time to check for any mistakes in your credit report that could negatively impact your credit score.
 

Mortgage Refinancing TipWhen it comes to lowering your rates you will need to weight the benefits of having a lower rate vs. paying points up front. You may end up paying a lot more depending on your choice and how long you plan on keeping your mortgage.
 

    

   

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