How much house can you afford in Nashville? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
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.
Enter your down payment.
| After | Paid in total | Still owed |
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First Choice Lending Services, LLC
4.9 · 333 reviews · Free pre-approval
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Neely Lending Group
5.0 · 310 reviews · Free pre-approval
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Evolution Mortgage LLC
5.0 · 289 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 →
First Choice Lending Services funds loans with its own capital, enabling faster decisions and access to a broad range of mortgage programs. Serving Tennessee, Kentucky, Georgia, and Florida, the team guides clients through conventional, FHA, VA, and specialized loans, often praised for clear communication and support, though some find the process detailed.
Neely Lending Group stands out for its personalized, tech-forward approach to guiding first-time homebuyers through the mortgage process. The team offers clear communication, detailed explanations of closing disclosures, and consistent availability by phone, text, and email. While they may not handle every unique property, customers appreciate their patience and helpful insights.
Known for its expertise in VA loans, Evolution Mortgage pairs each client with a dedicated, licensed loan officer who guides them through pre-approval to closing. They offer a range of mortgage options, including conventional, FHA, USDA, jumbo, and refinancing services. Customers appreciate their clear communication and responsiveness throughout the process.
About Nations LendingNations Lending is a mortgage company dedicated to helping individuals and families achieve their homeownership goals. Whether buying, selling, refinancing, or building a dream home, they provide experienced and knowledgeable guidance. As an expert Personal Mortgage Advisor, Neal Doherty, and his team possess the knowledge and resources to stay current with market conditions… more...
About Nations LendingNations Lending is a mortgage company dedicated to helping individuals and families achieve their homeownership goals. Whether buying, selling, refinancing, or building a dream home, they provide experienced and knowledgeable guidance. As an expert Personal Mortgage Advisor, Neal Doherty, and his team possess the knowledge and resources to stay current with market conditions and mortgage programs. Their ultimate goal is to ensure clients make the right financial choices for themselves and their families.Credibility and ExpertiseNations Lending is an approved Fannie Mae and Freddie Mac seller, offering a wide range of loan products. They are committed to providing excellent service, as evidenced by client testimonials highlighting speed, clear communication, and successful closings even in challenging situations. The company emphasizes its ability to handle complex files and ensure consistent communication throughout the mortgage process.Mortgage OfferingsNations Lending offers a comprehensive suite of mortgage solutions, including FHA loans for first-time homebuyers with low down payment options, VA loans for veterans, USDA loans for rural communities with up to 100% financing, and Conventional loans through Fannie Mae and Freddie Mac. They also provide Jumbo loans for larger home purchases, including options for second homes and vacation properties. Services include purchase loans, rate-term refinancing, and cash-out refinancing.Unique AdvantagesNations Lending distinguishes itself through its personalized approach, with advisors like Neal Doherty focusing on client needs. They offer flexible loan terms, including low down payment options and the possibility of gift funds. The company also highlights its ability to close loans quickly and efficiently, even for complex cases, and provides resources like a mortgage calculator to assist clients in understanding their payment options.
The Lending Collective stands out for its advisory approach, focusing on long-term financial goals rather than just closing loans. Their team offers access to over 140 lenders, helping clients find competitive mortgage rates and tailored solutions for buying, refinancing, or investing. Customers appreciate clear communication and a smooth, timely process throughout their experience.
Andy Garretson Mortgage offers clear, straightforward guidance for first-time and repeat homebuyers, helping clients navigate the mortgage process with frequent communication and educational support. The team focuses on making complex situations manageable, and customers appreciate their professionalism and attentiveness throughout each step.
Specializing in physician and construction loans, Alene Gnyp Mortgage Specialist offers tailored mortgage solutions with clear explanations throughout the process. The team assists first-time buyers and those seeking second homes, maintaining frequent communication and flexibility, including weekend availability. Customers appreciate the knowledgeable guidance and smooth loan closings.
Coast2Coast Mortgage specializes in a wide range of loan programs, including VA loans and options for self-employed borrowers, investors, and veterans. The team offers clear guidance and digital tools to simplify the mortgage process, with clients appreciating their responsiveness and support, especially during complex transactions like cross-country moves.
Certified Mortgage Advisor Josh Jones specializes in helping first-time homebuyers navigate financing options, including low and no down payment loans like USDA programs. The team offers personalized guidance on mortgages and home equity lines of credit, with clients appreciating clear explanations and a patient, approachable process.
Smart Start Mortgage offers a complimentary one-hour consultation designed to help clients understand their mortgage options and develop a clear financial strategy. The team works with first-time buyers, relocators, custom home builders, and those refinancing, providing a wide range of lending solutions. Clients appreciate their clear communication and thorough guidance throughout the process.
Lenders made 9,080 home-purchase loans in Davidson County in 2025 (average about $531,000) and denied 968 — 10% of decided applications, compared with 15% across Tennessee, according to federal mortgage data (HMDA, CFPB). In Nashville, the median home is worth $413,600 and 69% of owners have a mortgage, paying a median $1,898 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Davidson County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
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.