Do any lenders offer mortgage terms over 30 years in TN?

Contact a local Loan Advisor for your area.

There might be, but in reality, that's not a good product.. anything over 30 years would be a "non-conforming" loan product, and very few lenders offer it.. those that do will charge a higher interest rate which makes the monthly payment almost the same as if you took the shorter term with a lower interest rate.. you might be better off looking at an ARM rate vs. 40 years.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347