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) 230-1988 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) 230-1988. 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) 230-1988 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) 230-1988. We will go over your documents and complete the process as quickly as possible.

Reviews

Reviews on Zillow

Average Rating
4.99 Stars. 111 Reviews.

5
2020-10-07 04:08 pm
GREAT PERSON
lewisnmary71
This is twice we have worked with Lynn. It was a great experience. She is very knowledgable and works hard to make sure your experience is good. We would recommend her to anyone. Love her greatly.
5
2020-10-03 08:03 pm
AWESOME!!
Meagan G.
Lynn was so nice and helpful! This was my fist home buying experience and she was great at explaining everything. Her and her team went Above and beyond.
5
2020-09-11 04:59 pm
Cambridge Mortgage Inc
kelly ballinger
My husband and I refinanced our home with Lynn at Cambridge Mortgage in Gallatin. She went above and beyond for us and we could’ve happier. She was honest and upfront and never stopped working for us. We will always use Cambridge Mortgage in the future and let our friends and family know! If your looking to buy or refinance and want someone honest go to them! They saved us so much money and were great to work with!
5
2020-08-24 07:27 pm
Cambridge- Lynn
Deanna
We had an amazing time working with Lynn from Cambridge Mortgage. She took the time to understand our particular situation and found ways to best cater to our family! Her office was perfect location in downtown Gallatin and she was always available and or responded very quickly to phone calls and emails. Overall our experience was spectacular!
5
2020-08-20 01:05 pm
Definitely Recommend!
lnlm
This is our second time working with Cambridge Mortgage and they were just as great to work with as the first time. Bobby is very responsive and is quick to answer any questions you may have throughout the process. We definitely recommend them!
5
2020-08-19 02:10 am
Very helpful.
cbthackston
Lynn was very helpful. She kept us informed about what information we needed to supply and the schedule of our needed signatures. Made the whole process very easy.
5
2020-08-16 06:53 pm
Lynn Kostadine is the best ever!
mkwblair
I have known Lynn for over twenty years, and she is very knowledgeable re: loans. Lynn is very organized and she consistently looks for ways to give support.
5
2020-08-13 06:32 pm
Super easy process
Pfrye
We have used Lynn and Cambridge Mortgage several times now. She makes the entire process so easy. She answered all of our questions quickly. Does not make you feel like just another customer.
5
2020-08-06 05:38 pm
Bobby Kostadine
john a bryan
He shopped multiple lenders and rates for weeks to find the best pricepoint for me. He was on top of every aspect of the refianace and jumped in when the slightest things looked awry. I will be using the Kostadine team at Cambridge mortgage for my house and my rentals in the future.
5
2020-07-25 01:31 am
The BEST
Jessica B
Lynn was amazing from start to finish! She communicated every step of the process, and made sure that I understood everything. She worked tirelessly to help make sure there were no loose ends, and make sure we were able to close in my desired timeline. I was referred to her by a family member, and would recommend her to anyone looking for a mortgage lender!!!
  • 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
  • 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  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
  • 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
  • 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!!!

    Kristy Bogle Holder Avatar Kristy Bogle Holder
    March 7, 2017
  • 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  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  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  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