The Most Trusted Name In Home Lending

At Cambridge Mortgage, Inc., our services and loan programs are designed to meet your specific needs.

About us

The lending specialists at Cambridge Mortgage, Inc. are eager to help you secure the mortgage you need to make your home ownership dreams a reality. Since 1998, our BBB accredited team of lending professionals have helped thousands of home buyers become homeowners. Whether you need a fixed rate, adjustable rate, or balloon mortgage for your Tennessee home, our loan programs are tailored to meet your specific needs.

Referrals & Repeat Business Are the Keys to Our Success

We work hard to ensure you are fully satisfied with our services. Our professionals strive to deliver solutions for the questions you need answered. For our team, each client is our most important client and we deliver an unparalleled level of service that you can depend on at every step of the lending process.

Our dedication to our clients and our attention to every detail of the loan you want have earned our team the reputation as the most trusted name in lending in the region. In fact, the majority of our business comes not from advertising or outreach, but from referrals and repeat customers.

The Cambridge Mortgage Advantage

As a one-stop shop for home buyers, we offer numerous advantages that you can count on all the way to the bank. You can depend on us for:

Instant Review of Your Application

Expedited Application Processing

No Application Fees

A Variety of Loan Options Tailored to Meet Your Mortgage Needs

Reliable Service and Answers at Every Stage of the Process

Contact Cambridge Mortgage, Inc. at (615) 230-1998 to speak with our team about your mortgage needs. It is our pleasure to answer your questions and help you find the ideal lending solution.

Convenience for Any Schedule

We keep regular office hours on Monday through Friday, from 8:30am to 5:00pm. Of course, not everyone keeps the same schedule and it is not always possible to leave work or drop children off during these hours. That is why our team is available for personalized appointments on evenings and weekends. This allows you to meet with our team, complete the paperwork, and buy the home you desire without disrupting your daily routine.

Monday8:30 AM — 5:30 PM
Tuesday8:30 AM — 5:30 PM
Wednesday8:30 AM — 5:30 PM
Thursday8:30 AM — 5:30 PM
Friday8:30 AM — 5:30 PM
Weekends or Evenings by appointment only

Understanding the Lingo of Loans

10 year, 15 year, 30 year fixed mortgages. Adjustable Rate Mortgages (ARMS). Balloon Mortgages. Principal. Interest. Amortization. Closing Costs. The mortgage process is filled with language and terminology you will need to navigate. Our lending specialists help you understand each loan option, and every word within the fine print.
We make sure that you fully understand your loan options, the repayment terms, and your obligations for the duration of the mortgage. We will go over these with you as often as it takes so that you are fully educated and prepared when the time comes to sign on the dotted line.

Do you have questions about loan terms and options? Contact Cambridge Mortgage, Inc. at (615) 230-1998. We will answer your questions and help you understand the loan options that are ideally suited for your budget an long-term financial goals.

Preparing for the Loan Process

Every loan is as different as the clients who apply for them. However, the basics of qualifying for the loan are about the same. This is where our lending specialists start when you come to our team seeking a loan. We help make sure that your documentation is squared away before the mortgage application is submitted.
Our team reviews the following to help you secure the right loan for your needs:

Credit Scores

Credit scores are a major factor in any loan approval. It is possible to secure a loan with a score as low as 580. However, it is best to have a credit score in the 700’s or higher to secure the best interest rates. Improving a credit score takes time and patience. You should start this process long before you seek a mortgage by checking your scores and removing errors and paying down your debts. Further, if you have bankruptcies, delinquencies, defaults, and other negative information on your report, you should speak with your lender to determine the best ways to address these during the application process.

Employment/Income Verification

Lenders require pay stubs, tax returns, and W2’s that show you have the ability to repay the loan. You will need to establish that you have a steady and stable employment history with a corresponding stream of income to establish this. If you are self-employed, our team can help you prepare the documentation and navigate the process so that your decision to hang your own shingle above the door doesn’t interfere with your ability to pursue your home ownership goals.

Down Payments

Most loans require you to put forth a down payment of between 3-20% to secure the loan. However, some loans such as USDA or VA loans do not have this requirement. Our team can help you calculate how much you should put down for the loan you desire and whether you qualify for specialized loan programs that don’t require a hefty down payment.

Do you have questions about what it takes to secure a mortgage at the best interest rate?
Contact Cambridge Mortgage, Inc. at (615) 230-1998 to speak with our team about credit, income, and other requirements.

Getting Pre-Approved

Pre-approval for a mortgage gives you significant leverage when you start looking at real estate. It is something you should secure before you and your real estate agent start looking at property. Pre-approval helps you narrow your search to properties that fit within your budget. More importantly, it shows sellers that you have the ability to seal the deal when you make an offer. The process can take anywhere between 1-3 days to complete, and it is well worth the short amount of time it takes to go through it. Once pre-approved, you will have between 60-90 days to purchase a home which is more than sufficient time for you to find the perfect property for you and your family.

For fastest service, you will need to have the following documentation ready to go when you submit your application:

  • W2’s for the past two years. If you are self-employed, you will need 2 years of tax returns as well as a year to date profit & loss statement.
  • Pay stubs for the past 30 days.
  • Two months of bank statements for each open account you maintain.
  • Divorce decree (if applicable)
  • Bankruptcy discharge papers (if applicable)
  • Written explanation of past delinquencies, accounts in collections, judgments, or other negative information on your credit report
Our lending team is ready to take your application over the phone. When you are ready to apply, contact Cambridge Mortgage, Inc. at (615) 230-1998. We will go over your documents and complete the process as quickly as possible.


Reviews on Zillow

Average Rating
4.99 Stars. 126 Reviews.

2021-07-14 04:37 pm
The Best
Trina Frye
We have used Lynn at Cambridge Mortgage for years, from new home purchases to refinancing. She is wonderful to work with. Very thorough. Great communication. Answers questions quickly. She went above and beyond with us on our most recent new home purchase. We highly recommend her.
2021-07-06 03:09 pm
Very Helpful
chaseton earl
Lynn was extremely helpful in refinancing our home. She was able to answer every question we had, and got us a great rate in an extremely quick timeframe. The entire process was painless and extremely beneficial.
2021-06-25 04:28 pm
Great Experience!
I had a great experience with Lynn Kostadine at Cambridge Mortgage. She worked with me over several months to get my home refinanced. Throughout the process, she was friendly, helpful, and responded quickly to any question that I had. Ultimately, I ended up saving a lot on my mortgage and she referred me to a colleague that helped me save on my home and auto insurance too. Overall it was a very positive experience and I would highly recommend Cambridge Mortgage to anyone looking to refinance their home.
2021-06-25 02:00 pm
Very helpful
Lindsay Black
Lynn was very helpful and patient with us. She walked us through every step in a way we could understand. Communication was excellent. We will definitely recommend her to friends and family.
2021-05-30 05:39 pm
Cambridge Mortgage
Lynn and Bobby worked so quickly and diligently for us. They answered all our multiple questions and calmed our unnecessary anxiety. Cambridge Mortgage made the process of refi cash out painless. If you are looking for personal service, Cambridge Mortgage should be your first choice. Thank you Lynn and Bobby!!
2021-04-28 05:03 pm
A true fighter for her clients
Jennifer Howard
I’ll admit this was my first-time refinancing and these types of transactions make me very nervous. Lynn was able to calm my nerves and helped to resolve any issue that arouse. Lynn delivered far beyond what I expected. She was there for me every step of the process, quickly responded to every email, call, and stupid question I had. Lynn’s hard work and dedication helped me be in a better financial place. Look no further for your mortgage needs as Lynn will not steer you wrong and you just know she is in your corner! A true gem.
2021-04-12 10:38 pm
Cambridge Mortgage Is The Best!
John & Nichole
We've had the privilege to work with Lynn and Bobby at Cambridge Mortgage for over 20 years on multiple home purchases and refinancing. Each time has been so easy because they always keep in contact and give regular updates throughout the process. Their professionalism and attention to detail has kept each and every transaction exactly on track! We couldn't be happier!
2021-04-05 06:24 pm
We love Cambridge Mortgage!
We worked with Lynn at Cambridge Mortgage on the purchase of our new home. She was extremely quick to respond and help us with any question or concern. She was positive and knowledgeable and helped our move go smoothly! She’s the best!!!
2013-08-01 07:34 pm
Lynn and Bobby are nothing short of spectacular! They worked extremely hard to get me the best possible rate in order to refinance my house.
Dr. J. F. Lovett II
Lynn and Bobby are as knowledgeable as anyone else in the business. What separates them from the other companies is their compassion and willingness to go above and beyond to ensure a successful transaction that truly benefits the customer. If anything, they worked too hard for me. I am so appreciative of how I was treated and how well-informed I was throughout the process of refinancing. If you or someone you know is considering purchasing or refinancing, I highly recommend Lynn and Bobby as your mortgage specialist. Jay
2013-06-18 04:57 pm
I have worked with Lynn on more than one occasion for a new mortgage and for refinancing ...
Michael & Melissa
I have worked with Lynn on more than one occasion for a new mortgage and for refinancing on more than one occasion. I have recommended her to many friends and family who have been looking for a mortgage and I will continue to do so. She goes above and beyond for her clients and that is why she will always be our first call if we need another mortgage.

  • 5 star review  Lynn and Bobby are absolutely amazing to work with. Bobby had me preapproved quickly. When problems came up on the sellers end they both went above and beyond to help me. Great communication and an eagerness to get things done.

    Tina Webster Avatar Tina Webster
    March 9, 2018
  • positive review  I have used Cambridge on more than 1 occassion. Bobby is friendly, fast & efficient. Cambridge will always be my go to!

    Jessica Milburn Avatar Jessica Milburn
    September 20, 2019
  • 5 star review  Bobby and Lynn made buying our first home perfect!!!! They made the process go very smoothly!! I know not all loans can be easy, but from start to finish it took 33 days! They answered every question we had and they were always available if we need something. They are extremely friendly! I will DEFINITELY be telling everyone about Cambridge Mortgage!! Thank you Bobby and Lynn!! It was such a pleasure working with y'all!!

    Laura Dupont Avatar Laura Dupont
    July 6, 2018
  • positive review  My husband and I are both freelance/self-employed . . . and I can't tell you how much banks don't like us right now. But we closed our re-fi last week thanks to Lynn and all her hard work! She got us a great rate and our final payment was lower than our initial quote, too. I cannot recommend her highly enough! Just call her. 🙂

    AJ Scudiere Avatar AJ Scudiere
    March 7, 2017
  • 5 star review  Lynn was a joy to work with from the beginning -- we were referred to her by our realtor and she was absolutely essential to my wife and I being able to get into the home we wanted! We closed two days ago as of my writing this and we move in two days from today, so excited! I honestly don't know what we would've done without Lynn's help and guidance throughout this entire process of buying our home. She works wonderful magic when it comes to helping to make your dreams of buying a home a reality!!! There's nobody I would ever recommend more than Cambridge Mortgage! THANK YOU LYNN!

    Kenney Hinson Avatar Kenney Hinson
    October 6, 2016
  • positive review  Lynn with Cambridge Mortgage is amazing. She works very hard to make sure that your loan goes as smooth as possible and works through any problems that might arise. We highly recommend Lynn and if ever needed, we would use her again for our mortgage needs.

    Melanie Couch Wilkes Avatar Melanie Couch Wilkes
    April 11, 2018
  • positive review  If you are buying a home or looking to refinance, Lynn is awesome. She was with me when I purchased my house and again when I refinanced. Everything went extremely smooth.

    Tiffiany Downey Avatar Tiffiany Downey
    March 4, 2020
  • positive review  If you are looking for a new home or wanting to refinance, you need to reach Lynn Kostadine of Cambridge Mortgage. I have used Lynn Kostadine numerous times. In fact I have used her for 5 Mortgage Loans and 2 refinances. Each time she makes the process simple and a pleasant experience for me. This time was no exception, she came through for me again and searching till she can find the best interest rate for me. She goes the extra mile with me in mind. I highly recommend her and her team if you are looking for a great loan or refinance.

    Brenda Spears Goolsby-Taylor Avatar Brenda Spears Goolsby-Taylor
    April 7, 2016
  • positive review  Lynn at Cambridge Mortgage cared for us as first time home buyers through this entire process. She answered all our questions (and we had many) and even fought for us to have a below average interest rate. We are SO very thankful for all she did to help our first time home buying process go so smoothly.

    Ronnie Foster Avatar Ronnie Foster
    June 5, 2019
  • positive review  Lynn is so wonderful to work with. She was able to close our refi quickly. Great customer service as well.

    Lisa Downing Slayton Avatar Lisa Downing Slayton
    July 1, 2020