Mortgage Loans

Your New Home Awaits

Everyone agrees that buying a home is one of the most important decisions you will ever make. Our goal is to take care of the financing and all the details, so that you can concentrate on moving.

Home Purchasing Made Easier

With our wide variety of mortgage financing options, Home Federal Bank would love to help you safely navigate the at times choppy financial waters of buying or building a home. We’ve carefully covered nearly every detail, but we’ll leave the packing to you. We can also help advise you on when to refinance and with choosing a refinancing option that’s right for your needs.

Mortgage Rates

Fixed Rate Mortgages

The conventional, long-term, fixed-rate mortgage is the most well-known type of home mortgage loan, with an interest rate that remains constant for the entire term of the mortgage, and monthly principal and interest payment amounts that also remain the same.

View Current Rates

Adjustable Rate Mortgages

Adjustable rate mortgages (ARMs) offer a beginning interest rate, which is typically lower than the rate on a fixed-rate mortgage. This means your monthly payment will initially be lower, and therefore, more affordable for first-time home buyers, as well as for those who want the lowest possible mortgage payment. With the added feature of rate caps, the adjustable mortgage has become very popular and preferred by many customers. Be sure to note the term before the first adjustment, however, as rates can increase with the market.

Government Agency Mortgages

Home Federal Bank offers mortgage loans sponsored by both state and federal housing agencies, including the Federal Housing Administration (FHA), Veterans Administration (VA), and Tennessee Housing Development Agency (THDA).

Construction/Permanent Loans

The Construction/Permanent Loan (C/Perm), is popular among individuals building a new home. This loan combines the features of a construction loan with permanent financing, enabling a single closing. This type of combined loan saves you time and added expense that would typically be associated with separate loans and two closings.

Loan Application Checklist

If you’re self-employed, see your loan officer for requirements. Otherwise, to process your loan application, please bring the following with you:

  • Social security numbers
  • Residence addresses (past 2 years)
  • Names & addresses of each employer (past 2 years)
  • Past 2 years of W-2s, tax returns & current YTD pay stub
  • Previous 2 months checking & savings account statements
  • Names, addresses, account #s, balances & monthly payments on loans & credit cards
  • Addresses of other real estate owned
  • Loan information on other real estate owned
  • Estimated value of furniture & personal property
  • Certificate of eligibility or DD214s (V.A. only)
  • Money for credit report & appraisal
  • Sales contract
  • Copy of driver’s license
  • Copy of divorce decree and bankruptcy papers, if applicable

30-Year Fixed Rate

Find out more about our 30-year fixed rate Construction/Permanent loan. Your rate will not go up.

Learn More

Mortgage Loan Department

Doug Byrd, a Home Federal Bank employee
Douglas F. Byrd Senior Vice President / Manager NMLS# - 1649809 (865) 691-0935 West Knoxville Office
Leslie Atchley, a Home Federal Bank employee
Leslie Atchley NMLS# - 519831 (865) 453-7545 Sevierville Office Apply Now
Susan Bradley, a Home Federal Bank Employee
Susan Bradley NMLS# - 519836 (865) 689-2246 North Knoxville Office Apply Now
Charles Martin, a Home Federal Bank employee
Charles Martin NMLS# - 722128 (865) 689-2238 North Knoxville Office Apply Now
Colleen Robinson, a Home Federal Bank employee
Colleen Robinson NMLS# - 519860 (865) 470-3032 West Knoxville Office Apply Now
Barry Sharp, a Home Federal Bank employee
Barry Sharp NMLS# - 461572 (865) 470-3035 West Knoxville Office Apply Now
Natali Sharp
Natali Sharp NMLS# - 2132259 (865) 369-7161 West Knoxville Office Apply Now

Mortgage Office Locations Near You

We have locations across East Tennessee. Find the office closest to you:

Cedar Bluff

9211 Park West Blvd
Knoxville, TN 37923
(865) 691-0935


105 E. Emory Rd
Powell, TN 37849
(865) 947-9444


307 Parkway
Sevierville, TN 37862
(865) 453-5515

Lending FAQs

Borrowers have questions, Home Federal Bank has answers.
View FAQs
Back to top