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

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.

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.

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

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

Loans

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.

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 Payment

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.

mortgage services in  Gallatin, TN , USA

Do you have questions about what it takes to secure a mortgage at the best interest rate?
Contact Cambridge Mortgage, Inc. at (616) 230-1988 to speak with our team about credit, income, and other requirements.

Reviews

  • 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
    4/07/2016
  • 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
    10/06/2016
  • 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
    3/09/2018
  • 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
    1/25/2019
  • 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
    7/21/2016
  • 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
    3/07/2017
  • 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
    7/06/2018
  • 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
    4/11/2018
  • 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
    3/07/2017
  • 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
    1/05/2017