Mortgage lender in Williamson County, TN

Buying in Williamson County

Williamson County, with its county seat in Franklin, also takes in Brentwood, Spring Hill, Nolensville, Thompson’s Station and Fairview. Williamson 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. Williamson 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.

Williamson County: Franklin and Brentwood

Williamson has the highest home prices in Tennessee. In Brentwood and much of Franklin, purchases often exceed the conforming limit, where jumbo loans apply with their own reserve and documentation requirements. Many buyers are relocating executives and health care professionals paid partly in bonus or stock, which lenders average over time.

Spring Hill, Thompson’s Station and Nolensville have most of the new construction and the county’s more accessible prices; most neighborhoods there have association dues. Around Leiper’s Fork and College Grove, properties come with acreage, barns, wells and septic systems, which change how the appraisal is done and which loan types fit.

Williamson County by the numbers

Median home value

$751,900 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.40% of home value a year: median tax bill $3,004 on a median value of $751,900 (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

Franklin, Brentwood, Spring Hill, Nolensville (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $751,900. 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 Williamson County buyers ask

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