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East Tennessee · TennesseeMortgage lender in Knox County, TN
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Tennessee and makes purchase and refinance loans in Knox County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Tennessee. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in Knox County
Knox County, with its county seat in Knoxville, also takes in Farragut, Powell, Halls, Karns and Hardin Valley. Knox County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Tennessee, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $541,287 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- title company
- State housing agency
- Tennessee Housing Development Agency (THDA) (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. Knox County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
Knox County: Knoxville and Farragut
West Knoxville, Farragut and Hardin Valley are the higher-priced side of the county, with newer subdivisions, homeowners associations and steady new construction. North and South Knoxville and the neighborhoods near downtown are older, with more moderate prices, where FHA is a common fit.
The university and the national laboratory in neighboring Oak Ridge employ many buyers, whose income usually documents cleanly. Near campus, tell us whether a property is for you or will be rented to students, because occupancy changes the loan. Homes on the lakes formed by the Tennessee River dams sit on shoreline managed by the Tennessee Valley Authority, which controls docks. Outside the city, wells and septic systems are common.
Knox County by the numbers
- Median home value
- $320,900 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 0.43% of home value a year: median tax bill $1,367 on a median value of $320,900 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- Realty transfer tax of 37 cents per $100 of the price (Tennessee Department of Revenue, recordation taxes)
- Largest communities
- Knoxville, Farragut, Powell, Halls (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $320,900. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in Tennessee
Closings in Tennessee are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Tennessee page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Knox County buyers ask
Does Stellar Mortgage lend in Knox County, TN?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Tennessee and makes purchase and refinance loans in Knox County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Tennessee and works Tennessee files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in Knox County?
For 2026 the conforming loan limit for a one-unit home in Knox County is $832,750 and the FHA limit is $541,287. Knox County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in Knox County?
The Tennessee Housing Development Agency (THDA) runs Tennessee’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in Knox County?
The realty transfer tax is 37 cents per $100 of the price, and a separate mortgage tax is 11.5 cents per $100 of the loan above the first $2,000. The contract sets who pays the transfer tax.
Limits shown are the 2026 FHFA and HUD figures for Knox County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in Knox County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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