FHA VS Conventional loan programs in Smyrna, Rutherford County, Tennessee

In the year 2026, the conventional loan limit for Smyrna in Rutherford county, TN, is $890,100. However, the FHA cap is $890,100 for single-family homes.

The Lendersa® calculator for Conventional loans allows comparison of current Conventional, FHA, and USDA rates. Evaluate income, credit, and document requirements needed to qualify. Our advanced tool displays Conforming Conventional, USDA, FHA, and VA loans side by side, making it easier to decide on the best program for your finances in TN.

Explore loan offers from over 100 lenders

Loan limits and down payment needs for 2026 in Smyrna, Rutherford county, TN

Loan Type Loan Limit Down payment
Conventional Conforming $890,100 3%
USDA $555,600 0%
FHA $890,100 3.5%

This comparison is valid for zip codes: 37167

Exploring FHA and Conventional loan opportunities in Smyrna, TN

The primary goal of Lendersa® is to deliver optimal Conventional, USDA, or FHA loans quickly and easily. Begin with one of three pathways to connect with lenders and appropriate loan programs.

Discover USDA loan requests and matches at Lendersa


Smyrna Lenders

  • Veritas Federal Credit Union
  • 685 Ken Pilkerton Drive, Smyrna, TN, 37167
  • Lends in Tennessee
  • Veritas Federal Credit Union is a Federally Chartered, Federally Insured Independent Financial Institution originally chartered on July 13, 1973 to serve the employees of Nissan Motor Corporation and other employers.Credit Union is a Federally Chartered, Federally Insured Independent Financial Institution originally chartered on July 13, 1973.

  • TrueLink Capital Solutions
  • 2255 Memorial Blvd, Suite 11211, Murfreesboro, TN, 37129
  • Lends in Tennessee
  • At TrueLink Capital Solutions, we want to help you by offering one of the best tools in the world of business: commercial finance. Small business loans can make it possible to make huge improvements, undertake exciting projects, increase profits, or simply get back on your feet.

  • FirstBank
  • 615 Memorial Blvd, Murfreesboro, TN, 37129
  • Lends in Tennessee
  • We started in 1906 as Farmers State Bank, when local banks in West Tennessee weren’t just creating profits. They were creating the towns and communities like Scotts Hill where our flagship branch still remains today. Times change, but the things that make being part of a community great, like strong ties and trusted relationships, never change.

  • A Mortgage Boutique
  • 1574 Medical Center Pkwy, Suite 101, Murfreesboro, TN, 37129
  • Lends in Tennessee
  • We believe financing a home shouldn’t be a painful, stressful process. It’s why AMB’s founders walked away from big mortgage corporations to build something smaller and better — right in our home community. Our staff has hundreds of years of combined experience in the mortgage business

  • FIRST COMMUNITY MORTGAGE GROUP, INC.
  • 275 Robert Rose Drive, Murfreesboro, TN, 37129
  • Lends in Tennessee
  • Each of us has our own version of the American Dream. Whatever it is, it usually involves a place we call home. Since 2002, it’s been our mission at First Community Mortgage to help more and more people secure their piece of the American Dream. Because when people have a home, it gives them a foundation from which to grow, to do bigger things

  • Key Mortgage Experts
  • 629 Vickery Park Dr, Nolensville, TN, 37135
  • Lends in Tennessee
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Optimal Mortgage Services Llc
  • 239 Veterans Parkway, Suite B-2, Murfreesboro, TN, 37128
  • Lends in Tennessee
  • Optimal Mortgage Services'​ primary focus is based on our customers'​ needs in the ever changing regulatory environment. We provide services to multiple lending institutions regardless of size or type. Optimal Mortgage Services offers reviews for Post Funding, Early Payment Default, Adverse Action, Repurchase Defense, Discretionary.

  • A Mortgage Boutique is a division of First Community
  • 1111 N Maple St., Murfreesboro, TN, 37130
  • Lends in Tennessee
  • Common home loan types include VA, Conventional, FHA, USDA, Fixed Rate, Adjustable Rate, Renovation, Construction, and Mobile/Manufactured Home Loans. When you are looking for a home loan, there are many types of loans for you to choose from. As you can see, you need quality home loan information and to understand the different types.

  • Accurate Mortgage Group
  • 1321 Murfreesboro Pike, Suite 200, Nashville, TN, 37217
  • Lends in Tennessee
  • Accurate Mortgage Group is a division of Acopia, LLC, which is a locally owned and operated mortgage lender in Middle Tennessee. But, really, we’re pretty much like you. Many of us grew up in this area and, those who didn’t, are quick to say how happy they are to have moved here. We’re proud to say that we live