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Picking Your Lender

Choosing your lender is more than just picking the lowest interest rate. Here are some of the areas you'll need to look at:

Interest rate

It's not the only consideration, but it's one of the most important. Local and national lenders alike advertise their interest rates; newspapers also list rate comparisons, often in the real estate section.


This is a percentage of your total loan amount, payable to the lender when you close on your house. If you're borrowing $100,000 with 2 points, that means you'll pay the lender $2,000 at closing (or add it to your mortgage loan) as a separate lender fee. A low interest rate may not be much of a bargain if it comes with high points.

Relationships and reputation

Your mortgage is almost certainly the biggest loan you've ever had - you need to be comfortable with your lender's integrity and service. Make sure you check your bank or credit union's interest rates; it may offer special rates for current customers. You'll also want to check with the larger and more reputable lenders in the community. If you're considering one of the many Internet-based lenders, make sure you do your homework and check the lender's reputation as closely as you would that of a bricks-and-mortar bank.

We can help you find and choose the right lender for you; just give us a call to get started.

Office Locations

  1. Landoak
    Realty Executives Associates
    10255 Kingston Pike
    Knoxville, TN 37922
    Phone:(865) 693-3232
  2. Bearden
    Realty Executives Associates
    109 Northshore Dr. Ste 200
    Knoxville, TN 37919
    Phone:(865) 588-3232
  3. North
    Realty Executives Associates
    3232 Tazewell Pike
    Knoxville, TN 37918
    Phone:(865) 688-3232
  4. Maryville West
    Realty Executives Associates
    1213 W Lamar Alexander Pkwy
    Maryville, TN 37801
    Phone:(865) 983-0011
  5. Maryville Downtown
    Realty Executives Associates
    535 W Lamar Alexander Pkwy
    Maryville, TN 37801
    Office:(865) 984-1111
    Fax:(865) 983-4621
  6. Ebenezer at Westland
    Realty Executives Associates
    8915 Linksvue Drive
    Knoxville, TN 37922
    Phone:(865) 531-2020
  7. Oak Ridge
    Realty Executives Associates
    190 North Purdue
    Oak Ridge, TN 37830
    Phone:(865) 482-3232
    Fax:(865) 482-0203
  8. Sweetwater
    207 N Main Street
    Sweetwater, TN 37874
    Office:(423) 836-9494

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Realty Executives Associates is licensed in the state of Tennessee. The Fair Housing Act prohibits discrimination in the sale, lease, or rental of housing, or making housing otherwise unavailable because of race, color, religion, sex, national origin, familial status, or disability. By registering on this website (providing your name and/or contact information) you are making an inquiry and are granting permission for an agent to contact you via telephone and/or email, regardless if you are registered with the national, state, or other Do Not Call list. The data relating to real estate for sale on this website is being provided for the consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the consumers may be interested in purchasing. This information is updated daily, however, some of these properties may subsequently have sold and may no longer be available. The Real Estate Broker providing this data believes it to be correct, but advises interested parties to confirm the data before relying on it in a purchase decision. Some or all of the listings on this website may not belong to Realty Executives Associates. Each office is independently owned and operated. Each office is independently owned and operated. Each office is independently owned and operated. Each office is independently owned and operated. Each office is independently owned and operated. Each office is independently owned and operated. Each office is independently owned and operated.