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
SaturdayClosed
SundayClosed
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

Reviews on Zillow

Average Rating
4.99 Stars. 139 Reviews.

5
2023-05-03 06:03 pm
There to help you
Dylan Curtis
Lynn was fantastic to work with. Made a first time home buyer very confident in buying a home. Keep me well informed and was always available to answer any questions I had during the process. She really tries to look out for her customers and that made the entire process very smooth.
5
2023-03-21 02:05 pm
Amazing Lender!
Mandy Goenner
Lynn Kostadine was an amazing lender! She was referred to us from a family member after running into a few lenders who we felt weren't being honest. From the moment we started working with Lynn, she was quick to reply to any questions or concerns we had no matter the day or time. She helped us secure our forever home during a terrible economy and inconsistent real estate market and we will forever be grateful!
5
2022-12-05 05:33 pm
Responsive, Efficient, Personable, Excellent!!
ryanmac16186
The team at Cambridge Mortgage made the finance process simple and easy. They responded to all of my questions timely and directly. They described exactly what was needed from me, and what I could expect during each step of the process.
5
2022-09-03 12:44 pm
We love Cambridge Mortgage!
Kelsey Mallard
We love working with Lynn! We have used her multiple times purchasing our homes over the last 10 years! She always goes above and beyond for us and makes the process so smooth! I only have wonderful things to say about Lynn and Cambridge Mortgage!
5
2022-09-02 03:22 pm
Stress Free Home Loan Process
Joyce Hibma
This was my 6th Home Loan in my lifetime. I can honestly say that working with Lynn Kostadine has been by far the most efficient, stress free loan I have ever received. Lynn's communication style is so refreshing. The loan process, expectations of us and loan options were explained in detail making it easy for us to make clear educated decisions that fit our needs. I highly recommend Lynn whether you are in State or out of State, which we were. This was truly a loan process that was enjoyable!
5
2019-08-12 06:39 pm
Amazing to work with Bobby yet again!
Alexandra G
Cambridge Mortgage Inc was amazing to work with. This is our second time using them to secure a loan and purchase a home. They worked around our schedule and made us feel confident in securing our rate. The whole process was a breeze and we knew we were in the right hands. Bobby is so considerate and always made sure we had the information we needed to make the best decisions.
5
2018-12-05 03:21 pm
Lynn
Tiffiany Downey
Lynn was so great! She was there every step of the way. If you are looking for a professional mortgage lender, that will get you the best rate, Give her a call
5
2022-04-09 12:03 pm
Customer service
zuser201501180316067
Friendly honest best and most convient very satisfied with whole process better than the bank. I called my bank in 30 second they said no called Cambridge 2 day they took care of my refinance excellent service would highly recommend them
5
2022-04-07 06:24 pm
Easy to work with
F. J.
Everything was fast and easy. We had no issues or real road blocks. It was nice to have this complete in a timely fashion. I will definitely be using them if we decide to sale and buy again.
5
2022-02-02 05:16 pm
The best
Doc Cline
Would use them again for sure! They are the best mortgage broker i have ever used. I would recommend to anyone in a any kind of mortgage. The staff are very informative and walk you through the process. You will not be disappointed in anyway with this mortgage broker. They follow up and make sure everything was to your satisfaction, very complete and make sure you understand every detail.

  • 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
  • positive review  Lynn is amazing and makes the whole process so easy!

    Danny Twilley Avatar Danny Twilley
    May 2, 2020
  • positive 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!

    Elizabeth Menkveld Avatar Elizabeth Menkveld
    January 5, 2017
  • 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  We have used Lynn several times now, buying and refinancing. She makes the entire process so easy. Makes you feel like more than just another customer.

    Trina Frye Avatar Trina Frye
    August 13, 2020
  • 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 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 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  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
  • 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