The Most Trusted Name In Lending Since 1998

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

About us

The Most Trusted Name In
Lending Since 1998

At Cambridge Mortgage, Inc., our services and loan programs are designed to meet your specific needs. Our continued success and repeat business are the result of ensuring that the home financing process runs smoothly from pre-qualification to closing.

Convenient Office Hours:

From our hands-on personal assistance to our unique loan programs, you will find many reasons why Cambridge Mortgage, Inc. is right for you. Our staff is ready and excited to assist you today.

No application fee

Instant Pre-Approval

Streamlined application process

A variety of loans

One-stop shopping, from pre-qualification to closing

Monday – Friday 8:30am-5:00pm (weekends/evenings by appt. only)


Whether you’re a first time buyer or just adding on to what you have, we can lead you through every step you need to complete the loan process.

Home Buying Mistakes

Buying your first home, your next home, or know someone who is? Here are some common, and potentially costly, mistakes to avoid.

Ask the Experts

Asking questions is an important part of the loan process. They clarify choices and decisions you must make during the loan process.

Mortgage Tips

Down Payment

If you are considering purchasing a home in the future something to think about is your Down Payment. Not all loan programs require a down payment like USDA and VA which are 100% financing or FHA where the down payment can be a gift from family, but if you are going to put money down then something to keep in mind is “seasoning” (keeping money in your bank account for a specific period of time) the funds currently in your Savings or Checking account.

Credit Scores

A major component in the approval process when purchasing a home or refinancing a mortgage is your Credit Score. Ideally you would want to have a score in the 700’s for best case pricing on interest rates but some loan programs will go down to scores as low as 580.


When purchasing a home your lender will need to verify what your income is and how long you have been working for your employer. This is done by looking over your pay stubs, W2’s/Tax Returns, and a Verification of Employment.


Before you start to look at homes for sale save yourself and your real estate agent some time and speak with a loan officer to ensure you know exactly how much of a house you can afford. By spending a short amount of time working with a loan officer to review your credit scores and income you will be able to know exactly what you are comfortable with spending on your mortgage payment.

mortgage services in  Gallatin, TN , USA


  • 5 star review  We primarily worked with Bobby Kostadine, as well as Lynn, for the mortgage on our new house. Bobby and Lynn were both wonderful to work with! Bobby was great at following up, explaining issues and he stayed in constant communication throughout the home buying process. I highly recommend Cambridge Mortgage to anyone looking to finance for their next home purchase!

    thumb Lauren Melton
  • Lynn is a miracle worker!! She worked very hard with me to get my refinance done from the start She made the experience very pleasant Easy and fast. Being a single woman I was not sure I could even refinance, but Lynn made it very easy and fast for me She did all the leg work and made sure I got the best interest rate possible. I am very grateful to her . I would highly recommend Lynn and Cambridge for home buyers and any refinance. I can guarantee you will be impressed and glad you did I can not say enough good things about Cambridge

    thumb Denise Cathey
  • 5 star review  It was such a pleasure to work with Lynn Kostadine at Cambridge Mortgage. With her, the mortgage approval process seemed very straightforward and she was always available to answer any questions we had throughout the closing process. I would definitely recommend Lynn and Cambridge Mortgage to all my family and friends!

    thumb Elizabeth Menkveld
  • 5 star 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.

    thumb Melanie Couch Wilkes
  • 5 star review  A huge thank you to Lynn and Bobby! Despite many issues with the completion of my home, you guys were there to help me through the process, explain every detail, and were unbelievably responsive!!! I appreciate your partnership in this journey! You made it very easy for me!!!

    thumb Kristy Bogle Holder
  • 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!

    thumb Kenney Hinson
  • 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.

    thumb Tina Webster
  • 5 star 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.

    thumb Brenda Spears Goolsby-Taylor
  • 5 star 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. 🙂

    thumb AJ Scudiere
  • 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!!

    thumb Laura Dupont