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Financing Your Smoky Mountain Home For Sale 

 

This list is meant to help you whether are purchasing a Sevierville Home for sale, a lot for sale in Cosby TN  or a cabin for sale in Pigeon Forge.   This information table does change frequently.   Also loan programs do vary by lender and by Fico credit score.  


OWNER OCCUPPIED - YEAR ROUND  Sevierville TN Homes for sale or  Gatlinburg TN Homes for sale for example

Loan Type      Percent of Loan Required  for down payment    Reference Link
Conventional  5% after 20% down payment no PMI               Bay Equity Loans
FHA               3.5%   down payment                                    Bank of England Morg 
USDA             0%   down payment                                      Debbie Love 
VA                 0%    down payment                                    Quicken Loans

Also, Fannie Mae has HomeReady and Freddie Mac Home Possible conventional 
loans on Primary residence with 3% for owner occupants with low/moderate income
(Income must be 80% are less of AMI) 

LOT ONLY - Gatlinburg Lots for sale for example
Conventional   30% to 50% depends on lender                      Newport Federal 

SECOND HOME - Smoky Mountain Vacations Homes or Homes                                 for sale Pigeon Forge for example                                           Bay Equity Loans
Conventional   10% to 20%downpayment  depends on
score and lender                                                                  MIG

MOBILE HOME NOT OWNER OCCUPPIED OR SECOND HOME
LOAN is not available

INVESTMENT CABIN - Smoky Mountain cabin for sale for example
Conforming      15%                                                           Bay Equity Loans
Jumbo             Depends on lender and credit score                Bank of England Morg

CONSTRUCTION LOAN CABIN - Pigeon Forge Swimming Pool Cabin   for sale for example
All                    Depends on lender and credit  score             Gateway First  


Return links to other important pages about about your Smoky Mountain Cabin Buying Experience:   Buying your Gatlinburg Cabin   How Much Does A Gatlinburg Cabin Cost?   Steps to Make Cabin Buying Easier
   
 

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