Business Details
28 Years
experience
Your Trusted Mortgage Partner in Gallatin, TN
Cambridge Mortgage has been a trusted name in home lending since 1998, dedicated to helping clients achieve homeownership through personalized mortgage solutions. Our BBB-accredited team specializes in a wide range of loan programs, including VA, FHA, conventional, and USDA loans, tailored to meet individual financial needs. With a focus on exceptional customer service, we offer expedited application processing, no application fees, and flexible appointment scheduling, including evenings and weekends.Our lending specialists provide comprehensive guidance through every step of the mortgage process, ensuring clients understand their options and obligations. Backed by decades of combined experience, we prioritize client satisfaction, evidenced by our strong referral-based business model and consistently high customer reviews. Our commitment to transparency, reliability, and ethical practices has solidified our reputation as a leading mortgage broker in Tennessee and beyond.
Services
VA Loans
FHA Loans
Conventional Loans
USDA Loans
Refinance Options
Details
- Year established: 1998
Highlights and features
- We are BBB-accredited with a proven track record since 1998.
- Our team offers expedited application processing and no application fees.
- We provide a diverse range of loan options tailored to your needs.
- We offer flexible appointment scheduling, including evenings and weekends.
- Our lending specialists deliver personalized guidance through every step.
Associations and certifications
- Better Business Bureau (BBB)
What people say
Fantastic to work with
Amazing lender
Responsive and efficient
Stress-free process
Highly recommend
Services
VA Loans
VA loans are guaranteed by the U.S. Department of Veterans Affairs, offering 100% financing to qualified veterans. These loans provide attractive terms and are designed to support military service members and veterans in achieving homeownership with reduced financial barriers.
FHA Loans
FHA loans are government-insured mortgages requiring a 3% down payment. Ideal for first-time buyers, they offer flexible credit requirements and lower upfront costs, making homeownership accessible to a broader range of applicants.
Conventional Loans
Conventional loans use the purchased property as collateral and are not insured by FHA or VA. They suit borrowers with strong credit histories and offer competitive rates for those seeking standard mortgage financing without government backing.
USDA Loans
USDA loans provide 100% financing for single-family homes in approved rural areas. Income restrictions apply, but these loans eliminate down payment requirements, supporting homeownership in underserved regions.
Refinance Options
Refinance options allow homeowners to secure lower interest rates, consolidate debt, or access cash for major expenses. Our team simplifies the process, ensuring tailored solutions to meet financial goals through rate reductions or equity extraction.
People
Lynn Kostadine
Loan Officer
With over 25 years of experience, Lynn Kostadine specializes in mortgage lending, offering personalized guidance to first-time buyers and seasoned homeowners. Her expertise in VA, FHA, and conventional loans ensures clients receive optimal financing solutions.
Bobby Kostadine
Mortgage Specialist
Bobby Kostadine brings extensive knowledge of mortgage markets, focusing on refinancing and new home purchases. His commitment to client education and transparent communication has earned him a reputation for reliability and excellence.
Questions
What types of loans do you offer?
We offer VA, FHA, conventional, and USDA loans, along with refinance options tailored to meet diverse financial needs and homeownership goals.
How does the pre-approval process work?
Our pre-approval process involves reviewing credit scores, income verification, and financial documentation to determine loan eligibility, typically completed within 1-3 days.
What credit score is needed for a mortgage?
While minimum scores vary by loan type (as low as 580 for FHA), scores in the 700s typically secure the best interest rates across most programs.
Do you offer financing options for low down payments?
Yes, we offer VA, USDA, and FHA loans with down payments as low as 0% or 3%, depending on eligibility and program requirements.
Are appointments available outside regular hours?
Yes, we offer personalized appointments during evenings and weekends to accommodate clients' schedules beyond our standard Monday-Friday hours.
Reviews (5)
Paul Alaina Gambrell
Sep 27, 2021
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Buying my home 10 years ago and just recently refinancing was the simplest and quickest process I never even imagined it could be. We all hear the horror stories of the process but Cambridge Mortgage proves otherwise. I have never been more thankful for a service I could trust.
Kristen Chantay Hendrickson
Apr 27, 2021
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Lynn and Bobby Kostadine were a God sent through the entire mortgage process. They were responsive (around the clock), helpful, and knowledgeable. As a first time home buyer, their guidance, patience, and attention to detail were bar none. Saying they went above and beyond is an understatement. I am certainly spoiled with how seamless and personal they made the process. I am easily a lifelong client and would recommend Cambridge Mortgage and their team to anyone.
Trina Frye
Aug 13, 2020
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We have used Lynn several times now, buying and refinancing. She makes the entire process so easy. Makes you feel like more than just another customer.
Kelly Kostadine Ballinger
Jul 09, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Lynn and Bobby were so easy to work with. They made this process easy and hassle free. I could not be more thankful to them for all the time they put into our purchase years ago and now our refinance! Honest people is what this industry needs more of! Thank you!!
Lynn and Bobby were so easy to work with. They made this process easy and hassle free. I could not be more thankful to them for all the time they put into our purchase years ago and now our refinance! Honest people is what this industry needs more of! Thank you!!
Lisa Downing Slayton
Jul 01, 2020
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Lynn is so wonderful to work with. She was able to close our refi quickly. Great customer service as well.
