Element Home Loans in Knoxville, TN, offers conventional loans for borrowers with solid credit and steady income who are ready to purchase or refinance a home. The federal government does not back these loans and provides flexible terms with competitive rates. With a 20% down payment, no mortgage insurance is required, and for higher loan-to-value ratios, insurance costs are typically lower than those for FHA loans. Borrowers can also take advantage of cash-out options up to 80% of their home’s value.
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