We can help with your mortgage needs.
Elevate your home buying experience with Ascend, where exceptional service extends beyond closing. Except for our FHA and VA loans, we currently keep mortgage servicing in-house. That means if you have a question about your loan payment, balance, escrow, etc., our local staff is here to assist you. Explore our specialized loan programs below.
Ascend makes it easier than ever to buy your first home. With our fixed and adjustable-rate first-time homebuyer mortgages, you can purchase a home with no down payment. In some cases, even finance part of the closing cost!
Loan amounts up to 102 percent20 of the sales price
Minimum required investment of only $500
No income limitations
No Private Mortgage Insurance (PMI) required
Loan amounts up to $475,000
No loan origination fee13
Ascend makes it easier than ever to buy a home. With our 30 Year Fixed or 5/5 ARM local heroes mortgage loans, you can purchase a home with as little as zero down payment. You qualify if you are currently employed as a teacher (K-12), firefighter, police officer, EMT, nurse (LPN, RN, NP, PA) or paramedic.
Loan amounts up to 100 percent20 of the sales price
Loan amounts up to current conforming loan limits
Single Family Residence only (2-4 unit properties not eligible)
No Private Mortgage Insurance (PMI) required
Borrower must contribute 1% of their own funds toward the transaction
No loan origination fee13
With our 30-year fixed or 5/5 adjustable-rate Physician's Mortgage Loan, you can purchase a home with as little as zero down payment. To qualify, you must be currently employed as a physician, dentist, or veterinarian.
Must have received a doctorate degree (M.D., D.O., D.D.S., or D.V.M.) in the last 10 years
Loan amounts up to 100 percent of the sales price
Single family homes and condominiums/townhomes only (manufactured/modular/mobile homes not eligible)
No Private Mortgage Insurance (PMI) required
Must be employed or will begin employment within 60 days of the time of closing
Loan amounts up to current conforming loan limits
Must not own any other real estate at the time of closing
No loan origination fee
With adjustable-rate mortgage loans at Ascend, we can get you in the home you’ve always wanted—on terms acceptable to your life. With 15, 20 and 30-year mortgages, we can fix your rate for five, seven or 10 years to give you a stable monthly payment. Plus, peace of mind working with a local institution Middle Tennesseans have trusted for over 70 years.
Loan amounts up to 95 percent20 of the sales price
Lower rates and payments during the fixed portion of the ARM than a fixed-rate mortgage tends to offer. And as with all Ascend loans, there is no penalty for pre-payment.
Ideal for borrowers only planning to live in the home up to the initial adjustment rate
No loan origination fee13
No Private Mortgage Insurance (PMI) required
Lower payment used to qualify a buyer could result in the purchase of a larger home.
A non-occupying co-borrower is allowed to be a signatory
Ascend is an Equal Housing Lender. NMLS #451452
There are two ways to apply for an Ascend home loan: