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. 131 Reviews.

2021-10-28 05:46 pm
Lynn Kostadine's the best
I've worked with Lynn on a few occasions and each time she simplified an overwhelming process. I am always pleased with my service. I always recommend her.
2015-03-09 08:21 pm
This was my third refi with Cambridge Mortgage. Lynn and Bobby are the best.
Jon M
I put off my refi for quite awhile just because I dreaded all of the paperwork and everything involved. It could not have been more painless. Lynn asked for a few needed things and then she went to work. I am so very pleased with my rate and the service her company provided was excellent. It was simply something that was not to be dreaded, as I had for so long. Lynn is the best and I strongly will recommend her to anyone that might be interested in a mortgage - in fact I already have recommended her.
2021-09-27 07:26 pm
The Absolute Best
Paul AlainaGambrell
Lynn at Cambridge Mortgage is proof that mortgage dealings does not have to be all the horror stories you hear about. I was fortunate enough to be directed to her 10 years when we bought our home and just had her help us refinance in the last month. It was the absolute quickest, smoothest, painless process EVER! I never doubted a single thing in the process as I feel 100% comfortable that Lynn and her office gets the very best for me. And to top it off, I feel like an appreciated customer as 10 years later we still get Holiday cards from her office. Literally, the absolute best.
2021-09-20 04:01 pm
Excellence from start to finish!
Lynn and her team have helped us every step of the way in obtaining our mortgage and now we have just completed buying our second home through Cambridge. I highly recommend Lynn and her team! She is thorough, fast, and gets the job done. A+ service!
2017-08-23 07:51 pm
Lynn Kostadine
imogene carney
Lynn and her staff was very professional, knowledgeable and very through. Her process is very smooth. I have worked with her many times. I have always used Cambridge Mortgage why would I go anywhere else when I have worked with the best! I refer all my friends and associates to Cambridge Mortgage!
2021-08-16 11:17 pm
Working with Lynn was a breeze. She did everything needed and then some. No issues at all. Fast and easy from start to finish. We highly recommend Lynn and her company.
2021-08-05 03:57 pm
Lynn Kostadine Cambridge Mortgage
My wife and I purchased our home over 10 years ago and Lynn helped get us financed then and made it a smooth process. Then 10 years later Lynn was able to get us an even lower rate on a refinance saving us money. She went above in beyond to make sure she stayed in contact with us the through the whole process .She made us feel like old friends. We are very happy with Cambridge Mortgage.
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.

  • 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 is amazing and makes the whole process so easy!

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