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The Tennessee economy has seen its ups and downs. Though the unemployment rate is very similar to the national average, the state’s home foreclosure rate is much higher. The unnaturally high foreclosure rate prompted state officials, lenders, and advocacy groups to address Tennessee’s predatory lending problem. After more than five years of hard work, these groups were able to pass a bill known as the Tennessee Home Protection Act of 2006.



The law, effective on January 1, 2007, applies only to high-cost home loans. Practices that will be prohibited include limitations on refinance, balloon payments, negative amortization, and default payments. The law will not apply to open lines of credit, purchase money mortgages, and loans guaranteed or sold to FHA, VA, or THDA.

If you are a Tennessee resident in need of a home loan or any other type of loan, it is recommended that you take time to find a reputable lender. Comparing interest rates, lenders, and loan terms will ensure that you get the fairest loan available.

Our recommended companies service Tennessee, including these cities; Chattanooga, Gatlinburg, Knoxville, Memphis, Nashville, and Pigeon Forge.

Our Recommended Lenders Servicing Tennessee -

Suggested State Sources For Loans -

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