Mortgage lender in Rutherford County, TN

Buying in Rutherford County

Rutherford County, with its county seat in Murfreesboro, also takes in Smyrna, La Vergne and Eagleville. Rutherford 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

$1,029,250 (high-cost area)

2026 FHA limit

$1,029,250 (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. Rutherford County is designated a high-cost area for conforming loans, so its limit is above the national baseline of $832,750. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Rutherford County: Murfreesboro, Smyrna and La Vergne

Rutherford is one of the fastest-growing counties in Tennessee, and a large share of what sells in Murfreesboro and Smyrna is new or recent construction. A builder purchase means matching the rate lock to the completion date, and most new neighborhoods have association dues. Prices are lower than in Nashville and Williamson County, which is why many first-time buyers look here.

Automotive manufacturing in Smyrna employs many buyers on hourly pay with overtime, which can count once there is a history of it. Murfreesboro is home to a large university; near campus, tell us whether a home is for you or will be rented to students. Toward Eagleville and the county’s edges, properties are rural, with wells and septic systems.

Rutherford County by the numbers

Median home value

$382,600 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.48% of home value a year: median tax bill $1,839 on a median value of $382,600 (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

Murfreesboro, Smyrna, La Vergne, Christiana (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $382,600. The 2026 one-unit conforming loan limit here is $1,029,250 and the FHA limit is $1,029,250.

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 Rutherford County buyers ask

Limits shown are the 2026 FHFA and HUD figures for Rutherford County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.