For more information, call 615-922-2661.

*Taxes and insurance premiums are not included in the payment, and the actual payment obligation may be greater.

Conventional Mortgage Loan Payment Example: For a $250,000 loan for a term of 30 years with a 6.650% APR, the monthly payment will be $1,996.59.

VA Mortgage Loan Payment Example: For a $250,000 loan for a term of 30 years with a 6.601% APR, the monthly payment will be $1,925.00.

¹Certain products may include closing costs and other fees which would not be covered in the Zero Down offer. *Conventional loans: 100% financing available for purchase loans only. Product features subject to approval. Must be primary residency. Not all loans qualify and certain credit restrictions may apply. Vanderbilt Credit Union reserves the right to terminate this promotion at any time without notice. ** VA loans are subject to funding fee, which may be financed up to the maximum allowed loan amount.

²Home Rate Match Available for purchase and refinance first mortgages. Certain product exclusions may apply. The date of the Loan Estimate with the competing lender must be within 3 calendar days of the rate lock with Vanderbilt Credit Union. Please note that no other documentation may be used to show competitors' terms. The rate must be from a competing lender that has a physical branch location within 50 miles of a physical Vanderbilt branch location. The terms of the competing loan must be identical to Vanderbilt Credit Union's loan; for example, a 15-year, fixed-rate product with mortgage insurance is not identical to a Vanderbilt Credit Union 15-year, fixed-rate product that does not have mortgage insurance. If the loan does not close within the commitment period, the rate match may be voided. NOTE: The initial Loan Estimate from a wholesale lender/broker is not an acceptable document for a rate match submission unless the Lender Information section on the Loan Estimate is completed. To receive $1,000, you must provide a signed, executed copy of the final Closing Disclosure and a copy of the final mortgage note within 30 calendar days of your loan closing with the original competing lender. Not valid if original loan terms or conditions change prior to closing. Once approved, $1,000 will be automatically deposited into your Vanderbilt Credit Union Share Savings account within 30 calendar days of receiving the necessary documentation. Membership and share savings account is required to receive cash back offer. Recipient is solely responsible for any personal tax liability arising out of this incentive. Not all loans qualify. Vanderbilt Credit Union reserves the right to terminate this promotion at any time without notice. Can’t be combined with other offers.

³Rate Drop Relock Protection is available for new applications on purchase and refinance loans at no additional fee for up to a 60-day lock. You may request a lower rate no more than two (2) times, with a maximum cumulative interest rate reduction of 0.50%. You must monitor rates to decide when to exercise the option to lower the rate. All requests for a lower rate must occur at least seven (7) calendar days before closing. Not all loans may qualify. Vanderbilt Credit Union reserves the right to terminate this promotion at any time without notice.

⁴First-Time Home Buyer product is subject to credit approval, membership eligibility, property eligibility, and underwriting requirements. Offer available only on Vanderbilt Credit Union’s qualifying First-Time Homebuyer Mortgage product. No down payment is required for qualified borrowers. To qualify, borrower(s) must not have owned a residential property within the previous three (3) years and must complete an approved homebuyer education course prior to closing. Financing is limited to 100% of the home’s purchase price, with eligible borrowers able to finance closing costs up to an additional 2% of the purchase price, resulting in a total loan amount of up to 102% of the purchase price. No Private Mortgage Insurance (PMI) is required on this specific loan product. Other eligibility requirements, restrictions, and conditions may apply. Rates, terms, and program availability are subject to change without notice. Contact Vanderbilt Credit Union for complete details.