Primis Mortgage · Murfreesboro, Tennessee
Your home loan, from a person, not a portal.
Jody Locke helps families see their real payment, choose the right loan and close with confidence.
- MurfreesboroJody's home office
- VA · USDAPlus FHA, jumbo, DSCR, construction and down payment help at Primis Mortgage
- $429,450Tennessee median list priceFind a Home market data
- 0%Tennessee income tax on wagesTennessee Department of Revenue
Home loans in Tennessee
Know your number. Then go find the house.
Move the sliders and see a budget that leaves room for life.
Jody Locke
Loan Officer, Primis Mortgage
Your home budget
- Principal and interest
- Taxes and insurance (est.)
- Mortgage insurance (est.)
An estimate, not a loan offer or pre-approval. Comfortable means the house payment is under 28% of income and all debts under 36%. Taxes and insurance are estimated at 1.1% of the price a year; mortgage insurance is estimated when less than 20% is down.
On Find a Home now
Homes you could own, with your payment on every one.
Each payment uses your numbers from the calculator above: your down payment, your rate and your loan length.
Monthly estimates, not loan offers: principal and interest, taxes and insurance at 1.1% of the price a year, and mortgage insurance under 20% down. Homes listed by the Find a Home Team on tennessee.findahome.com.
Homes on Find a Home
Town by town, across Tennessee.
National averages
Rates, with the part that matters: your payment.
Your own rate depends on your credit, down payment and loan. Ask Jody for yours.
Ask for my rateSame home, two ways to pay
Principal and interest
Total interest
Weekly national averages from loan applications submitted to Freddie Mac (borrowers with good to excellent credit, 20% down, purchase loans). Source: Freddie Mac Primary Mortgage Market Survey (PMMS), week of October 15, 2026. National averages, not a quote or an offer of credit.
Find your loan
Who are you buying as?
Tap the one that sounds like you.
Low down
First-time buyer
- FHA loans, insured by the federal government, come with easier credit qualifying.
- Ask Jody which low down payment options fit you.
Conventional · FHA
Source: HUD: FHA loans. Programs and eligibility vary.
Talk to Jody about thisEarned benefit
Military and veteran
- VA loans can need no down payment and no monthly mortgage insurance.
- A one-time VA funding fee applies unless you are exempt.
VA
Source: VA purchase loans and funding fee. Programs and eligibility vary.
Talk to Jody about thisEligible areas
Rural and small town
- USDA loans can need no down payment in eligible areas.
- Income limits apply. Check the address on USDA’s map.
USDA
Source: USDA Rural Development home loans. Programs and eligibility vary.
Talk to Jody about thisOne loan
Fixer-upper
- An FHA 203(k) loan puts the price of the home and the cost of repairs into one mortgage.
- A limited 203(k) covers smaller repairs; a standard 203(k) covers bigger renovations.
203(k) renovation · ask Jody whether Primis Mortgage offers it
Source: HUD: 203(k) rehabilitation loans. Programs and eligibility vary.
Talk to Jody about this2 years
Self-employed
- Lenders usually ask for two years of tax returns.
- In some cases, one year of tax returns can be enough.
Conventional · FHA
Source: Fannie Mae Selling Guide: self-employed income. Programs and eligibility vary.
Talk to Jody about thisRate or cash
Refinancing
- Rate-and-term changes your rate or how long you pay.
- Cash-out gives you cash from your equity, with a bigger loan.
Rate-and-term · Cash-out
Source: CFPB: should I refinance?. Programs and eligibility vary.
Talk to Jody about thisThe path to closing
Five steps from pre-approval to keys.
You
Share your income, savings and debts. A few questions to start.
Jody
Checks your options and sends a pre-approval letter your agent can use.
You
Tour homes with your agent, inside your comfortable budget.
Jody
Answers payment questions on any house you’re considering.
You
Your offer is accepted. Choose your lock.
Jody
Locks your rate for a set period while you close.
You
Send the few documents asked for. Keep your finances steady.
Jody
Works the file with underwriting and updates you and your agent.
You
Review your Closing Disclosure, sign, get the keys.
Jody
Walks you through every number before you sign.
Until you have the keys
What not to do.
Tap a card
Sources: CFPB: get your money situation in order · FTC: co-signing a loan · Fannie Mae Selling Guide: verbal verification of employment · Fannie Mae Selling Guide: large deposits.
From Murfreesboro to the Smokies, close to home.
Primis Mortgage · Murfreesboro, TennesseeYour loan officer
A person, not a portal.
Jody Locke is a loan officer with Primis Mortgage in Murfreesboro, Tennessee, with a passion for helping families realize their dreams of homeownership. Primis Mortgage offers FHA, VA, USDA, jumbo, construction and DSCR loans, refinancing and down payment assistance.
- MurfreesboroOffice
- 1836398NMLS ID
- 1894879Primis Mortgage NMLS ID
Source: Jody Locke, Primis Mortgage, read October 20, 2026.
Tennessee know-how
- 0%
State income tax on wages
Tennessee taxes no earned income, which helps your monthly budget.
Source: Tennessee Department of Revenue
- 25%
Of appraised value is taxed
Homes are assessed at 25%. Your county and city set the rate.
For real estate agents
Send your buyers with confidence.
- Pre-approval letters for your buyers’ offers
- Updates to you and your buyer at every milestone
- Clear answers on payment and closing costs
Before you apply
Gather these, and you’re ready.
Everything’s ready. You’re in great shape.
Sources: CFPB: create a loan application packet · VA: Certificate of Eligibility. Kept on this device only.