Mortgage Rates

Make your dream home an affordable reality.

All rates Subject to Change Without Notice.

Mortgage Rates

Last update: 02/28/2024 at 10:00 a.m. Lock Period: 45 days
Origination Fee: .00%

Program NameLoan AmountInterest Rate*/ PaymentDiscount Points/ AMTAPR*
30 Year Fixed$165,0006.375%
$1,029.39
1.00%
$1,650.00
6.6604%
20 Year Fixed$165,0005.750%
$1,158.44
1.00%
$1,650.00
5.9630%
15 Year Fixed$165,0005.875%
$1,381.25
1.00%
$1,414.75
6.1860%
30 Yr. Const/Perm$165,0007.375%
$1,139.61
1.00%
$1,650.00
7.5850%
7 / 1 ARM
(APR based on
30 yr. amortization)
$165,0005.500%
$936.85
1.00%
$1,650.00
6.7860%
15 / 1 ARM
(APR based on
30 yr. amortization)
$165,0006.000%
$989.26
1.00%
$1,650.00
6.4800%
30 Year Jumbo
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15 Year Jumbo
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*Rates and APRs are based on loan amounts of $165,000 for owner-occupied, single- family dwellings.

  • Rates, points and programs cannot be guaranteed and are subject to change without notice.
  • ARM Mortgages contain a variable-rate feature, and interest rates may increase over the term.
  • Above listed rates are for purchase transactions with 740+ credit scores and LTV’s less than or equal to 80% with no subordinate financing.
  • Monthly payments shown do not include amounts for property taxes and insurance premiums; if included, actual payment obligation will be greater.
  • Loans up to 97% LTV are available with PMI.
  • Maximum loan amount is $766,550. Loans in excess of $766,550 are considered Jumbo. Please contact us for rates on Jumbo loans.
  • Additional loan types including FHA, VA and THDA are available. Please contact us for rates on additional loan types.

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
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