Home · Buy

Start with the home you're after.

Hannah Blevins · Loan Officer, NMLS 2009458

Lake and mountain homes, relocations, first homes, jumbo, VA, and investor financing — each with its own page, because the plan is different for each. Pick the one that sounds like you, or skip straight to a call.

Book a 15-minute call Send a Loan Estimate for a Second Look
Second homes · Jumbo

Lake & mountain homes

Tellico, Fort Loudoun, Norris, and the Smokies. Jumbo above $832,750, second-home rules, and appraisers who've seen a dock before.

Financing a lake or mountain home Relocation · Move-up

Moving to East Tennessee

Coming for ORNL, UT, Covenant, or the mountains. A pre-approval that travels and a closing date that holds while you're still 600 miles away.

Relocation playbook First home

Your first Knoxville home

Down-payment programs, 3% down conventional, and a plain explanation of every number on the Loan Estimate before you sign anything.

First-time buyer guide Jumbo · Above $832,750

Jumbo loans in Knoxville

Past the conforming limit the rules change: deeper reserves, stricter appraisals, and pricing that varies more from lender to lender — which is exactly where a Second Look earns its keep.

Jumbo loans in Knoxville Veterans · Active duty

VA loans in Knoxville

Zero down for eligible veterans and service members, no monthly mortgage insurance, and a lender who knows how to write the offer so the seller doesn't flinch at the word VA.

VA loans in Knoxville Investors · Rentals

DSCR loans in Tennessee

Qualify on what the property rents for instead of your tax returns — for investors adding a door in Knoxville, Maryville, or the Smokies, with the math done before you write the offer.

DSCR loans in Tennessee

Loan programs

Not every buyer fits the same box.

Conventional is the right answer most of the time. When it isn't — self-employed income, an investment property, a price above the conforming limit — the answer is usually a different program, not a smaller house. Hannah writes all of these.

Talk through your scenario
  • ConventionalFannie Mae · Freddie Mac
  • FHAGovernment insured
  • VAVeterans · active duty · surviving spouses
  • USDAEligible rural addresses
  • JumboAbove the conforming limit
  • DSCRQualified on the property's rent
  • Bank statementDeposits instead of tax returns
  • Down payment assistanceFor eligible buyers
  • Other non-QMAsk about the rest

Mortgage calculator

What would that home cost each month?

Start with a quick estimate. Switch to the full picture for loan programs, mortgage insurance, cash to close, buydowns, early payoff, and two scenarios side by side — then send the scenario straight to Hannah.

Open the calculator
  • Quick estimatePrice · down payment · rate · term
  • Loan programsConventional · FHA · VA · USDA · jumbo
  • Cash to closeDown payment · closing costs · prepaids
  • Points & rate buydownsPermanent · 3-2-1 · 2-1 · 1-0
  • Early payoffExtra monthly · annual · bi-weekly
  • Two scenarios side by sideA · B · difference
  • What it won't priceNon-QM · recast · ask Hannah

From first call to keys, in three conversations.

No application before the first call. No surprises after it.

  1. Talk

    Fifteen minutes about the home, the money, and the timeline. You'll leave knowing what's possible, what it will roughly cost, and what to do next — nothing to fill out yet.

  2. Plan

    Loan options side by side, what closing will actually cost, and the pre-approval letter your offer needs — issued when the offer needs it, evenings and weekends included.

  3. Close

    Underwriting with people you can reach. You'll hear from us before you have to ask, and Hannah is at the closing table when the keys change hands.

The Second Look

Already have a Loan Estimate for this home? Send it over.

Upload the Loan Estimate another lender gave you. Within 24 hours you'll hear back on whether we can beat it — and exactly where the difference is, line by line.

Start a Second Look How the Second Look works

A Second Look is not a credit decision or a commitment to lend. You're entitled to shop for the lender that's right for you — we'd just like to be in the running.

Hannah Blevins and Caroline Parker reviewing a file
Reviewed in 24h

Let's talk

Fifteen minutes, no application.

Pick a time, or just call. If you're mid-offer, say so — those go first.

Open Hannah's calendar15 MIN · VIDEO OR PHONE Call or text(865) 386‑7114 EmailHBLEVINS@FMLOANS.COM Start the applicationSECURE · FOUNDATION MORTGAGE

What to have ready

Nothing, honestly. But if you have them, these make the first call more useful:

  • The listing — or the town and the price range you're circling.
  • A rough idea of the down payment — savings, a gift, a sale, or a mix.
  • Any Loan Estimate you've already received — that's what a Second Look is for.
  • Your timeline — under contract, house-hunting, or just thinking.