Enables senior borrowers to purchase a new home without having to worry about making monthly mortgage payments borrowers must remain current on property taxes, homeowner’s insurance and HOA dues. HECM are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into mortgage cash with no monthly mortgage payments. While you will still need to maintain your property and make payments for taxes, insurance and any other obligations associated with your home Lenders, a mortgage from Home Loan can help you retire comfortably, stay in your own home, and increase your monthly cash flow.
If the debt balance grows to exceed the property value, the will suffer loss, though on HECM the FHA will assume all or most of it. HECM borrowers pay a mortgage insurance premium to cover such losses. A HECM commonly known as a mortgage, is a fha refinance insured loan which enables seniors to access a portion of their home’s equity to obtain tax loan free 1 funds without having to make monthly payment 2 With borrowers still own their home. A home sometimes referred to as a HECM – is FHA approved for seniors only, and is an increasingly popular mortgage companies method for older homeowners (age 62 and older) to convert excess home equity into a lump sum of cash, a line of credit, or an annuity-like series of regular monthly payments. As stated previously, with traditional loan the homeowner is still required to make monthly payments, but with loans is typically not due as long as the homeowner lives in the home as their primary residence, continues to pay required, homeowners insurance and maintains the home according to fha refinance requirements.
Reverse Mortgage
Though HECM borrowers are not required to make monthly payments, FHA wants to make sure they have the financial ability and willingness to keep up with and homeowner’s insurance (and any other applicable property charges). Borrowers are still responsible for and homeowner’s insurance allow elders to access the home equity they have built up in their homes now, and defer payment of the loan until they die, sell, or move out of the home. A special type of mortgage available to senior homeowners (62 years or older), that allows them to convert the equity accumulated in their primary residence into tax-free income (you are still required to pay and insurance) without having to sell the home, give up title to the home, or to take on a new.
Traditionally known as a proprietary Reverse Mortgage or HECM is a federally insured home loan that allows you to eliminate monthly payments (except for taxes and insurance) and convert part of your home’s equity into cash. Although monthly payments on are not required, there is still a risk of default specialist if the borrower fails to pay real estate taxes, homeowner association fees, or local assessments (e.g., sewer); maintain hazard insurance; or remain in the property as the principal residence. With an, you pay a monthly insurance premium to the out of the money you get from your mortgage payments.
Borrowers are given monthly payments from the or may take out of the loans balance a lump sum for expenses including home expenses like. enable homeowners to tap into a line of credit or receive from a Hecm a fixed monthly payment that can help them pay off debts, make upgrades to their property, manage large expenses, or supplement their retirement income. While the closing costs on a can sometimes be more than the costs of the home equity HELOC you do not have to make monthly payments to the Hecm.
Unlike traditional (fixed-rate) home equity loan, do not require borrowers to make regular payments. Unlike a Home Equity the HECM does not require the borrower to make 1 and any existing or mandatory obligations must be paid off using the proceeds. HECM are insured by the fha refinance and allow homeowners to convert their home equity into cash with no monthly payments. .The borrower must occupy a home as the primary residence and is responsible for payment of, homeowner’s insurance, the costs of home maintenance and any HOA equity of the home will still be available to you to use for other loans or settlements all while giving you the freedom to move. FHA-backed require to collect insurance premiums Borrowers will pay 2% of the home’s value or the FHA limit for your area (whichever is lower) upfront, plus a 0.5% annual premium that accrues every month. Affordability – no monthly payments required (borrowers must remain current on , homeowner’s insurance and HOA dues).
HECM are FHA-insured that provide people 62 and older with cash payments or a line of credit in exchange for equity in their homes. Forward” (what you might think of as regular home loan require borrowers to make monthly payments on their loans. While borrowers under a contract have no obligation to make payments, they are obliged to pay their, keep their homeowners insurance current, and maintain their property.
The FHA has a variety ways the borrower can receive the money including monthly payments, a line of credit, or combinations of payments and credit. An , also known is a type of home loan where a borrower aged 62 or older can pull some of the equity from their home without paying a or moving out of their home. do not require repayments, but borrowers can default if they fail to make property tax and insurance payments, and to make repairs to their homes.
For homeowners who are receiving help from adult children, the monthly payments from a can help borrowers remain independent and live comfortably at the same time. A major benefit of – also called a HECM – is that it provides borrowers with cash to fund their retirement without having to make payments like you do with traditional. also require potential borrowers to have the money necessary to continue paying, homeowners insurance and other housing costs.
As a Senior Loan Consultant and Specialist, I serve the Senior community by taking the time to explain, in detail, the pros and cons of utilizing to improve cash-flow by eliminating your existing mortgage payment (you are responsible to remain current on your, homeowner’s insurance and HOA dues) and/or providing a safety net” to make sure you have access to a portion of your home equity if you need it. A can also enable you to make repairs on your home or pay for medical bills, long-term care insurance premiums, in-home care, etc. They must be financially stable enough to continue making timely payments on, homeowners insurance, and homeowners association (HOA) fees. It is important to keep in mind, however, that since do not require borrowers to make regular payments on the loans, their home equity is reduced in proportion to the amount of cash they receive.
Residential Mortgage Loan
In 2014, a “relatively high number” of the U.S. mortgage borrowers-about 12%-defaulted on “their or homeowners insurance”. We offer that require no repayment as long as your home is your principal residence and you fulfill the borrower’s obligations, such as continuing to maintain the property and paying your and hazard insurance. Since do not require monthly payments, and are instead repaid at the end of the loans, borrowers are able to reallocate those funds to meet other needs,” she says.
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It doesn’t require, but borrowers do have to pay their homeowners insurance, taxes and maintain their home. A Conversion Mortgage becomes due and must be repaid when a maturity event” occurs, such as the last surviving borrower (or non-borrowing spouse meeting certain conditions) passes away, the home is no longer the borrower’s principal residence, or the borrower vacates the property for more than 12 months for medical reason or 6 months for non-medical reason ( see CFPB guidance) The will also become due if the homeowner fails to meet other loan obligations, which include paying their, insurance, homeowners association fees, and maintaining the property.
Non Recourse Loan
With a you can turn the equity of your house into cash without having to sell the property, move out of your home, or make. still remain a popular loan product for in to offer home equity financing that will allow senior homeowners to defer repayment of their existing home loan until death or sale of their home. A mortgage is different from a traditional in that it doesn’t require the borrower to make monthly payments to the to repay the loan. If you take out an HECM for Purchase Loan but you can’t keep up taxes and insurance payments, your can foreclose on your home. For example, your will consider the age of the youngest borrower (or the non-borrowing spouse), the home’s appraised value, the size of your down payment and current interest rates Fortunately, neither your credit score nor your household income will affect your chances of qualifying for an HECM for Purchase Loan. No: are paid back when a homeowner leaves the house, so there’s no monthly payment. HECM default most commonly occurs when borrowers fail to keep current on property tax payments and insurance premiums or otherwise jeopardize the lien position on the property. These federally insured loan allow borrowers who meet age and home-equity requirements to pull money out of their residences – the higher the property value, the larger the payment can be. However, many borrowers choose to enjoy the benefits of having no with the understanding that, at loan maturity, proceeds from the sale of the home will be put towards repayment of the loan balance in full.
HECM Loan
Borrowers can opt for their to set up an escrow account to pay insurance and. These loan are sometimes to referred to as jumbo” because the borrowers may be eligible for more proceeds than they would be with an FHA-insured HECM. The bonus to using is that rather than paying the loan monthly like a regular mortgage payments are delayed until the loan matures (See When is an HECM for Purchase Due?). While HECM loan do not require borrowers to make monthly payments certain fees are associated with the loan closing and servicing of the loan. In contrast, have no required payments, but borrowers are free to make voluntary payments to reduce their balance.
Eligibility Requirements: To obtain a standard, borrowers usually must demonstrate that they have sufficient income to make the required payments, that their credit rating is good enough to meet requirements, and that they have enough financial assets to cover the down payment and settlement costs. Loan insured by the feature low down payments, and costs for insurance are built into the payment. With the HECM Line of Credit, re-payment is only required after the last borrower leaves the home, as long as the borrower complies with all loan terms such as continuing to pay taxes and insurance The, on the other hand, requires a monthly payment immediately. For a, borrowers will remain responsible for paying property taxes, homeowner’s insurance, and for home maintenance Programs.
A HECM enables seniors age 62 and older to access a portion of their home’s equity to obtain tax free1 funds without having to make.2 You can receive the loan proceeds in a lump sum, monthly payments or as a line of credit. offer homeowners aged 62 years and older an option to generate cash by borrowing money against their home equity, with funds drawn as a fixed monthly payment or line of credit. get their name because borrowers don’t make payments to. False – Forward-thinking senior homeowners are choosing to eliminate a and convert the equity in their home into income. Unlike traditional, in which the debt reduces as you make payments, are rising debt, falling equity” loan. You can still get a mortgage if you owe money on your home-you have a first mortgage against it. Some people take a Conversion Mortgage in order to eliminate the existing monthly payments by netting the loan income against their existing payment.
Several sources for exist, but one of the better options is the HECM that’s available through the An HECM is generally less expensive for borrowers due to government backing, and rules for these loan make them relatively consumer-friendly mortgage companies. Unlike conventional home equity loan, most do not require payment of principal, interest and certain fees as long as you live in your home.
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Home Equity Conversion Mortgage
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Though borrowers are not required to make monthly payments, wants to make sure they have the financial ability and willingness to keep up with property taxes and homeowner’s insurance (and any other applicable property charges). Borrowers are still responsible for property taxes and homeowner’s insurance reverse allow elders to access HECM the home equity they have built up in their homes now, and defer payment of the until they die, sell, or move out of the home. Unlike traditional (fixed-rate) home equity and reverse do not require borrowers to make regular payments. The requires borrowers to add mortgage insurance premium payments to their reverse costs and fees, due when the is repaid once the home is sold.
reverse differ from average forward” home in that reverse borrowers receive payments from the over time rather than making monthly payments on their , and they are almost exclusively for people 62 and older. For originated on or after April 27, 2015, Reverse must perform a financial assessment of all applicants to determine if the homeowner can reliably pay housing-related expenses, such as Reverse property taxes, homeowners insurance premiums and regular maintenance costs. the most common type of reverse , allow homeowners to convert their home equity into cash with no monthly mortgage payments.1.
You are not required to make monthly payments on the reverse because the balance doesn’t come due until the final borrower moves out of the home, passes away, fails to pay taxes or insurance, or neglects to maintain the home. While the closing costs on a reverse can sometimes be more than the costs of the home equity, you do not have to make monthly payments to the with a reverse. A Home Equity Conversion Mortgage commonly known as a reverse, enables seniors to access a portion of their home’s equity without having to make monthly mortgage payments as long as they live in the home as their primary residence, continue to pay required property taxes, homeowners insurance and maintain the home according to requirements.
While reverse can’t usually default in the same ways as conventional-when borrowers fail to make payments-they can still default when owners fail to pay property taxes or insurance or by failing to properly maintain their properties. Some provide these with simple” rather than the traditional compound” interest rate structures, which means that some single-purpose reverse borrowers are not required to pay interest on their interest. Also, the insurance premium that borrowers pay is in place partly to ensure that if a home gradually loses value over the term of a reverse the final balance due will never be more than the fair market value that the home carries when it’s time to sell.
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originated after April 2015 are subject to a financial assessment that includes a review of the borrower’s credit history and cash flow.1 The borrower must have a satisfactory credit history that demonstrate an ability to pay property charges, including property taxes and insurance, and meet other financial obligations. reverse allow older borrowers to convert home equity into cash and receive the proceeds as a lump sum, as a stream of payments, or through a line of credit. HUD does qualify borrowers with a financial assessment and if you have been late on mortgage payments, or other payments for taxes or insurance on the home any time in the past 24 months you would probably be required to have funds set aside to pay your taxes and insurance or your may not be approved.
Because Conversion Mortgage don’t entail monthly payments from borrowers, don’t need to assess a borrower’s likelihood of repayment. Credit Lines: Most borrowers who take reverse under elect credit lines rather than term or tenure payments. A reverse becomes due and must be repaid when a maturity event” occurs, such as the last surviving borrower (or non-borrowing spouse meeting certain conditions) passes away, the home is no longer the borrower’s principal residence, or the borrower vacates the property for more than 12 months for medical reason or 6 months for non-medical reason ( see CFPB guidance) The will also become due if the homeowner fails to meet other obligations, which include paying their property taxes, insurance, homeowners association fees, and maintaining the property.
According to a 2015 article in the Journal of Urban Economics , in 2014, about 12% of the United States reverse borrowers defaulted on “their property taxes or homeowners insurance”-a “relatively high default rate”. In-home custodial care may incorporate and combine professional care services and the help of a spouse, adult child, or another caregiver This may be an ideal option for seniors looking to fund long-term care costs through reverse payments since eligibility requirements state that borrowers must remain living in their home. It is important to keep in mind, however, that since reverse do not require borrowers to make regular payments on the , their home equity is reduced in proportion to the Reverse amount of cash they receive spoiler1115.
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HECM Mortgage
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Our operating area is throughout Tennessee
Tennessee Also known as the State of Tennessee, is a state in the Southeastern region of the United States. Tennessee is the 36th largest by area and the 16th most populous of the 50 states. It is bordered by eight states, with Kentucky to the north, Virginia to the northeast, North Carolina to the east, Georgia, Alabama, and Mississippi to the south, Arkansas to the west, and Missouri to the northwest. Tennessee is geographically, culturally, and legally divided into East Tennessee, Middle Tennessee, and West Tennessee. Nashville is the State of Tennessee capital and largest city, and anchors the state's largest metropolitan area.Tennessee is a state in the U.S. South. Tennessee capital which is located in Nashville, is the heart of the country-music scene, with the long-running Grand Ole Opry, the Country Music Hall of Fame and Museum and a legendary stretch of honky-tonks and dance halls. Memphis IN the far southwest, is the home of Elvis Presley’s Graceland, rock-and-roll pioneering Sun Studio and the blues clubs of Beale Street. Eastern Tennessee features the Great Smoky Mountains National Park; the quaint resort town of Gatlinburg, with craft shops Art galleries and mountain skiing; and Dollywood, Dolly Parton Appalachian-themed park with rides, entertainment and a museum filled with the singer’s costumes and memorabilia. A number of cave systems are also found in the area, such as the Cumberland and Tuckaleechee caverns. Numerous Civil War sites are scattered around the state Including Shiloh National Military Park and Lookout Mountain, accessible via a steep inclined railway with sweeping views. Nearby Chattanooga offers the Tennessee Aquarium. Cades Cove, Ruby Falls, Grand Ole Opry, Ripley's Aquarium of the Smokies, Beale Street, Country Music Hall of Fame and Museum. Thunder Valley, Bristol Motor Speedway, Tennessee Volunteers, Neyland Stadium Lady Vols Memphis Grizzlies, Vanderbilt University Commodores, Nashville Predators, Bridgestone Arena, Tennessee Titans, Nissan Stadium.
Andrew Johnson National Historic Site Cumberland Gap National Historical Park Manhattan Project National Historical Park Big Ridge Booker T. Washington Cove Lake Cumberland Mountain David Crockett Birthplace Fall Creek Falls Fort Loudoun Frozen Head Harrison Bay Hiwassee/Ocoee Indian Mountain Justin P. Wilson Cumberland Trail Norris Dam Panther Creek Red Clay Roan Mountain Rocky Fork Seven Islands Sycamore Shoals Warriors' Path Bicentennial Capitol Mall Bledsoe Creek Burgess Falls Cedars Of Lebanon Cordell Hull Birthplace Cummins Falls David Crockett Dunbar Cave Edgar Evins Fall Creek Falls Harpeth River Henry Horton Johnsonville Long Hunter Montgomery Bell Mousetail Landing Old Stone Fort Pickett Port Royal Rock Island Sgt. Alvin C. York South Cumberland Standing Stone Tims Ford Big Cypress Tree Big Hill Pond Chickasaw Fort Pillow Meeman-Shelby Forest Nathan Bedford Forrest Natchez Trace Paris Landing Pickwick Landing Pinson Mounds Reelfoot Lake T.O. Fuller Bledsoe Cedars of Lebanon Chickasaw Chuck Swan Franklin John Tully Lewis Lone Mountain Martha Sundquist Natchez Trace Pickett Prentice Cooper Scott Standing Stone Stewart Auntney Hollow Barnett's Woods Bays Mountain Beaman Park Big Bone Cave Campbell Bend Barrens Carroll Cabin Barrens Glade Mr. and Mrs. Harry Lee Carter Chimneys Colditz Cove Couchville Cedar Glade Crowder Cemetery Barrens Devils Backbone Dry Branch Duck River Complex Elsie Quarterman Cedar Glade Falling Water Falls Fate Sanders Barrens Flat Rock Cedar Glade & Barrens Gattinger's Cedar Glade & Barrens Ghost River Grundy Forest Hampton Creek Cove Hawkins Cove Hicks Gap Hill Forest Honey Creek House Mountain Hubbard's Cave John & Hester Lane Cedar Glades John Noel at Bon Aqua Langford Branch Laurel-Snow Lost Creek Lucius Burch Jr. Forest Manus Road Cedar Glade May Prairie North Chickamauga Creek Gorge Overbridge Old Forest Ozone Falls Piney Falls Pogue Creek Powell River Radnor Lake Riverwoods Roundtop Mountain Rugby Savage Gulf Sequatchie Cave Short Mountain Short Springs Sneed Road Cedar Glade Stillhouse Hollow Falls Stinging Fork Falls Stones River Cedar Glade & Barrens Sunk Lake Sunnybell Cedar Glade Taylor Hollow Twin Arches Vesta Cedar Glade Vine Cedar Glade Virgin Falls Walker Branch Walls of Jericho Walterhill Floodplain Washmorgan Hollow Watauga River Bluffs William B. Clark William R. Davenport Refuge Wilson School Road Window Cliffs.
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We provide service for Tennesseans in every region in Tennessee, including cities such as:
Adams TN Adamsville TN Afton TN Alamo TN Alcoa TN Alexandria TN Allardt TN Allons TN Allred TN Alpine TN Altamont TN Andersonville TN Antioch TN Apison TN Ardmore TN Arlington TN Arnold Afb TN Arrington TN Arthur TN Ashland City TN Athens TN Atoka TN Atwood TN Auburntown TN Bakewell TN Bath Springs TN Baxter TN Bean Station TN Beech Bluff TN Beechgrove TN Beersheba Springs TN Belfast TN Bell Buckle TN Bells TN Belvidere TN Benton TN Bethel Springs TN Bethpage TN Big Rock TN Big Sandy TN Birchwood TN Blaine TN Bloomington Springs TN Blountville TN Bluff City TN Bogota TN Bolivar TN Bon Aqua TN Braden TN Bradford TN Bradyville TN Brentwood TN Briceville TN Brighton TN Bristol TN Brownsville TN Bruceton TN Brunswick TN Brush Creek TN Buchanan TN Buena Vista TN Buffalo Valley TN Bulls Gap TN Bumpus Mills TN Burlison TN Burns TN Butler TN Bybee TN Byrdstown TN Calhoun TN Camden TN Campaign TN Carthage TN Caryville TN Castalian Springs TN Cedar Grove TN Cedar Hill TN Celina TN Centerville TN Chapel Hill TN Chapmansboro TN Charleston TN Charlotte TN Chattanooga TN Chestnut Mound TN Chewalla TN Christiana TN Chuckey TN Church Hill TN Clairfield TN Clarkrange TN Clarksburg TN Clarksville TN Cleveland TN Clifton TN Clinton TN Coalfield TN Coalmont TN Cokercreek TN College Grove TN Collegedale TN Collierville TN Collinwood TN Columbia TN Como TN Conasauga TN Cookeville TN Copperhill TN Cordova TN Cornersville TN Corryton TN Cosby TN Cottage Grove TN Cottontown TN Counce TN Covington TN Cowan TN Crab Orchard TN Crawford TN Crockett Mills TN Cross Plains TN Crossville TN Crump TN Culleoka TN Cumberland City TN Cumberland Furnace TN Cumberland Gap TN Cunningham TN Cypress Inn TN Dandridge TN Darden TN Dayton TN Decatur TN Decaturville TN Decherd TN Deer Lodge TN Del Rio TN Delano TN Dellrose TN Denmark TN Dickson TN Dixon Springs TN Dover TN Dowelltown TN Doyle TN Dresden TN Drummonds TN Duck River TN Ducktown TN Duff TN Dukedom TN Dunlap TN Dyer TN Dyersburg TN Eads TN Eagan TN Eagleville TN Eaton TN Eidson TN Elgin TN Elizabethton TN Elkton TN Ellendale TN Elmwood TN Elora TN Englewood TN Enville TN Erin TN Erwin TN Estill Springs TN Ethridge TN Etowah TN Eva TN Evensville TN Fairview TN Fall Branch TN Farner TN Fayetteville TN Finger TN Finley TN Five Points TN Flag Pond TN Flintville TN Fosterville TN Frankewing TN Franklin TN Friendship TN Friendsville TN Fruitvale TN Gadsden TN Gainesboro TN Gallatin TN Gallaway TN Gates TN Gatlinburg TN Georgetown TN Germantown TN Gibson TN Gladeville TN Gleason TN Goodlettsville TN Goodspring TN Gordonsville TN Grand Junction TN Grandview TN Granville TN Graysville TN Greenback TN Greenbrier TN Greeneville TN Greenfield TN Grimsley TN Gruetli Laager TN Guild TN Guys TN Halls TN Hampshire TN Hampton TN Harriman TN Harrison TN Harrogate TN Hartford TN Hartsville TN Heiskell TN Helenwood TN Henderson TN Hendersonville TN Henning TN Henry TN Hermitage TN Hickman TN Hickory Valley TN Hilham TN Hillsboro TN Hixson TN Hohenwald TN Holladay TN Hollow Rock TN Hornbeak TN Hornsby TN Humboldt TN Huntingdon TN Huntland TN Huntsville TN Huron TN Hurricane Mills TN Idlewild TN Indian Mound TN Iron City TN Jacks Creek TN Jacksboro TN Jackson TN Jamestown TN Jasper TN Jefferson City TN Jellico TN Joelton TN Johnson City TN Jonesborough TN Kelso TN Kenton TN Kingsport TN Kingston TN Kingston Springs TN Knoxville TN Kodak TN Kyles Ford TN La Follette TN La Grange TN La Vergne TN Laconia TN Lafayette TN Lake City TN Lancaster TN Lancing TN Lascassas TN Laurel Bloomery TN Lavinia TN Lawrenceburg TN Lebanon TN Lenoir City TN Lenox TN Leoma TN Lewisburg TN Lexington TN Liberty TN Limestone TN Linden TN Livingston TN Lobelville TN Lone Mountain TN Lookout Mountain TN Loretto TN Loudon TN Louisville TN Lowland TN Lupton City TN Luray TN Luttrell TN Lutts TN Lyles TN Lynchburg TN Lynnville TN Macon TN Madison TN Madisonville TN Manchester TN Mansfield TN Martin TN Maryville TN Mascot TN Mason TN Maury City TN Maynardville TN Mc Donald TN Mc Ewen TN Mc Kenzie TN Mc Lemoresville TN Mc Minnville TN Medina TN Medon TN Memphis TN Mercer TN Michie TN Middleton TN Midway TN Milan TN Milledgeville TN Milligan College TN Millington TN Milton TN Minor Hill TN Miston TN Mitchellville TN Mohawk TN Monroe TN Monteagle TN Monterey TN Mooresburg TN Morris Chapel TN Morrison TN Morristown TN Moscow TN Mosheim TN Moss TN Mount Carmel TN Mount Juliet TN Mount Pleasant TN Mountain City TN Mountain Home TN Mulberry TN Munford TN Murfreesboro TN Nashville TN New Johnsonville TN New Market TN New Tazewell TN Newbern TN Newcomb TN Newport TN Niota TN Nolensville TN Norene TN Normandy TN Norris TN Nunnelly TN Oak Ridge TN Oakdale TN Oakfield TN Oakland TN Obion TN Ocoee TN Old Hickory TN Oldfort TN Olivehill TN Oliver Springs TN Oneida TN Only TN Ooltewah TN Orlinda TN Ozone TN Pall Mall TN Palmer TN Palmersville TN Palmyra TN Paris TN Parrottsville TN Parsons TN Pegram TN Pelham TN Petersburg TN Petros TN Philadelphia TN Pickwick Dam TN Pigeon Forge TN Pikeville TN Piney Flats TN Pinson TN Pioneer TN Pleasant Hill TN Pleasant Shade TN Pleasant View TN Pleasantville TN Pocahontas TN Portland TN Powder Springs TN Powell TN Primm Springs TN Prospect TN Pruden TN Pulaski TN Puryear TN Quebeck TN Ramer TN Readyville TN Reagan TN Red Boiling Springs TN Reliance TN Riceville TN Rickman TN Riddleton TN Ridgely TN Ridgetop TN Ripley TN Rives TN Roan Mountain TN Robbins TN Rock Island TN Rockford TN Rockvale TN Rockwood TN Rogersville TN Rossville TN Rugby TN Russellville TN Rutherford TN Rutledge TN Saint Andrews TN Saint Bethlehem TN Saint Joseph TN Sale Creek TN Saltillo TN Samburg TN Santa Fe TN Sardis TN Saulsbury TN Savannah TN Scotts Hill TN Selmer TN Sequatchie TN Sevierville TN Sewanee TN Seymour TN Shady Valley TN Sharon TN Sharps Chapel TN Shawanee TN Shelbyville TN Sherwood TN Shiloh TN Signal Mountain TN Silerton TN Silver Point TN Slayden TN Smartt TN Smithville TN Smyrna TN Sneedville TN Soddy Daisy TN Somerville TN South Fulton TN South Pittsburg TN Southside TN Sparta TN Speedwell TN Spencer TN Spring City TN Spring Creek TN Spring Hill TN Springfield TN Springville TN Stanton TN Stantonville TN Stewart TN Strawberry Plains TN Sugar Tree TN Summertown TN Summitville TN Sunbright TN Surgoinsville TN Sweetwater TN Taft TN Talbott TN Tallassee TN Tazewell TN Telford TN Tellico Plains TN Ten Mile TN Tennessee Ridge TN Thompsons Station TN Thorn Hill TN Tigrett TN Tipton TN Tiptonville TN Toone TN Townsend TN Tracy City TN Trade TN Trenton TN Trezevant TN Trimble TN Troy TN Tullahoma TN Turtletown TN Unicoi TN Union City TN Unionville TN Vanleer TN Viola TN Vonore TN Walland TN Walling TN Wartburg TN Wartrace TN Washburn TN Watauga TN Watertown TN Watts Bar Dam TN Waverly TN Waynesboro TN Westmoreland TN Westpoint TN Westport TN White Bluff TN White House TN White Pine TN Whites Creek TN Whitesburg TN Whiteside TN Whiteville TN Whitleyville TN Whitwell TN Wilder TN Wildersville TN Williamsport TN Williston TN Winchester TN Winfield TN Woodbury TN Woodland Mills TN Woodlawn TN Wynnburg TN Yorkville TN Yuma TN