Loan Programs
Every Loan Option for Nashville and Middle Tennessee
Keith Goeringer (NMLS #488023) is licensed in Maryland and Tennessee. These pages explain common program structures. Your actual options depend on your file, the property, and current guidelines.
FHA Loans
FHA loans in Nashville and Middle Tennessee. 3.5% down, 580 credit score minimum. Keith Goeringer explains who qualifies and how to get started.
VA Loans
VA loan education for eligible veterans and service members buying in Franklin, Williamson County, and Middle Tennessee. Eligibility and terms depend on the actual file and current guidelines.
USDA Loans
USDA loans in Middle Tennessee cover many suburbs buyers do not expect. Zero down payment. Keith Goeringer explains eligibility.
Conventional Loans
Conventional loans in Nashville and Middle Tennessee. 3% to 20% down, no upfront mortgage insurance with 20% down. Keith Goeringer explains when conventional beats FHA.
Down Payment Assistance
Tennessee down payment assistance programs through THDA. Keith Goeringer explains who qualifies and how to combine grants with FHA or conventional loans.
Bank Statement Loans
Bank statement loans for self-employed buyers in Nashville and Middle Tennessee. No tax returns required. Keith Goeringer explains how 12-24 months of bank statements replace W-2s.
DSCR Investor Loans
DSCR loans for real estate investors in Tennessee. Qualify based on rental income, not personal income. Keith Goeringer explains how investors use DSCR loans.
Jumbo Loans
Jumbo loans in Nashville, Brentwood, and Franklin above the 2026 $832,750 conforming limit. Updated October 2026. Review requirements with Keith.
Not Sure Which Loan Is Right for You?
Keith will review your income, debts, cash, property plans, and timing before you rely on a program or payment estimate.
Get My Free Affordability Check