How much house can you afford in Knoxville? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
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Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
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| After | Paid in total | Still owed |
|---|
21st Mortgage Corporation
4.7 · 18351 reviews · Free pre-approval
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First Choice Lending Services, LLC
5.0 · 1026 reviews · Free pre-approval
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Adrian Hall Mortgage Team @ Rate, Inc.
5.0 · 525 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
As the nation’s leading lender for manufactured and mobile homes for over sixteen years, 21st Mortgage Corporation offers a variety of loan programs for new, pre-owned, and refinancing needs. Customers appreciate the team’s fast response and clear communication, though some note the process can be detailed. Their services also include insurance options tailored to mobile homeowners.
First Choice Lending Services funds loans with its own capital, allowing faster decisions and access to over 30 loan programs tailored to various needs. Serving Tennessee, Kentucky, Georgia, and Florida since 2011, the team supports first-time buyers, investors, and refinancers with clear communication and a streamlined process, though some clients note the mortgage process itself can still feel… more...
First Choice Lending Services funds loans with its own capital, allowing faster decisions and access to over 30 loan programs tailored to various needs. Serving Tennessee, Kentucky, Georgia, and Florida since 2011, the team supports first-time buyers, investors, and refinancers with clear communication and a streamlined process, though some clients note the mortgage process itself can still feel complex.
Known for their knowledgeable and personable approach, the Adrian Hall Mortgage Team at Rate, Inc. specializes in helping clients navigate home financing with clear guidance. The team offers loan services focused on making homeownership achievable, and customers appreciate their attention to detail and willingness to go the extra mile. Some find the process thorough, which can take extra time.
Elite Service Mortgage specializes in helping first-time homebuyers, particularly those using VA loans, navigate the mortgage process with clear communication and personal attention. The team offers mortgage guidance that many clients find thorough and patient, though some note the process can still feel detailed. Customers appreciate the approachable, responsive service throughout.
Foundation Mortgage focuses on guiding first-time and repeat homebuyers through the mortgage process with clear communication and steady support. Their team handles loan applications and closings with professionalism and responsiveness, helping clients feel informed and at ease. Some clients note the process can be detailed, but the team’s explanations are consistently appreciated.
Waterstone Mortgage focuses on guiding first-time homebuyers through a clear and organized loan process. The team offers personalized support and explains multiple loan options to fit individual needs, maintaining strong communication from start to finish. Customers appreciate the stress-free experience and the extra effort made to meet deadlines.
A BBB Accredited Business since 1991, Fountain City Finance offers a broad range of mortgage and refinancing options, including VA, FHA, and reverse loans, tailored to East Tennessee residents. Clients appreciate the team’s clear communication and steady support throughout the process, often noting their responsiveness and helpful guidance.
Mortgage Investors Group specializes in guiding first-time homebuyers through the mortgage process with clear communication and patient support. The team offers personalized lending services and stays accessible to answer questions at every step. Customers appreciate the smooth, efficient experience, though some note the process can feel emotional given its importance.
With nearly 30 years of lending experience, Neal Bailes and his team at Real Estate Finance Group focus on transparent mortgage solutions without hidden fees. They offer a range of loan options, including Conventional, VA, FHA, and Jumbo loans, and are known for clear communication and steady guidance throughout the home-buying process. Customers appreciate their responsiveness and hands-on… more...
With nearly 30 years of lending experience, Neal Bailes and his team at Real Estate Finance Group focus on transparent mortgage solutions without hidden fees. They offer a range of loan options, including Conventional, VA, FHA, and Jumbo loans, and are known for clear communication and steady guidance throughout the home-buying process. Customers appreciate their responsiveness and hands-on approach.
Known for its relationship-driven approach, Keystone Mortgage Group simplifies home loans and refinancing across Tennessee and Florida. The team assists with purchases and refinancing for primary, second, and investment properties, guiding clients through every step. Customers appreciate their responsiveness and clear communication throughout the process.
Lenders made 6,900 home-purchase loans in Knox County in 2025 (average about $394,000) and denied 1,020 — 13% of decided applications, compared with 15% across Tennessee, according to federal mortgage data (HMDA, CFPB). In Knoxville, the median home is worth $239,700 and 61% of owners have a mortgage, paying a median $1,374 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Knox County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 4.7 | 18351 | — | (865) 292-2120 | Visit |
| 2 | First Choice Lending Services, LLC | 5.0 | 1026 | Quoted per loan | (855) 392-4141 | Visit |
| 3 | Adrian Hall Mortgage Team @ Rate, Inc. | 5.0 | 525 | Quoted per loan | (865) 356-2869 | Visit |
| 4 | Elite Service Mortgage | 5.0 | 389 | Quoted per loan | (865) 963-0406 | Visit |
| 5 | Foundation Mortgage | 4.9 | 254 | Quoted per loan | (865) 392-5450 | Visit |
| 6 | Brian Kimball at Waterstone Mortgage | 5.0 | 227 | — | (865) 343-3994 | Visit |
| 7 | Fountain City Finance | 4.8 | 234 | — | (865) 687-8200 | Visit |
| 8 | Mortgage Investors Group | 4.9 | 228 | — | (865) 691-8910 | Visit |
| 9 | Neal Bailes Knoxville TN Mortgage Lender | 5.0 | 113 | Quoted per loan | (865) 584-1584 | Visit |
| 10 | Keystone Mortgage Group | 4.9 | 103 | Quoted per loan | (865) 909-0211 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.