See What Your Tennessee Numbers Support
Program and regulatory figures verified September 19, 2026. Details change; confirm your scenario with us.
Tell us the two houses and roughly when you would sell. We will tell you which structure works and what the payment actually becomes.
What to have ready
- Roughly what your current Tennessee home is worth and what you still owe.
- The price range you are shopping, and the county, which decides both the loan limit and whether a freeze exists.
- Whether you currently receive a property tax freeze or property tax relief.
- Your timeline, and whether you would consider renting the departing home.
Approximate figures are fine. They are enough to point you in the right direction.
What happens next
Our team reaches out shortly. We run the two-payment test, check whether the destination county participates in the freeze and what its income limit is, model the next home's tax line at the correct assessment ratio without an old frozen amount, and look at rental income if that is the stronger route. You get a straight answer, including when that answer is to sell first.
No obligation and no pressure. A short call with our team, your real numbers, and a straight answer on which structure fits and what the tax line on the next house becomes.
Your real estate agent handles the purchase itself and your county trustee administers the freeze. We handle the financing: what you qualify for, how the equity gets used, and what the payment looks like on both houses.
Frequently asked questions
What do you need from me on a first call?
Approximate value and balance on your current Tennessee home, the price range and county you are shopping in, your income picture, your timeline, and whether you currently receive a property tax freeze or tax relief. Nothing needs to be precise to get a useful direction.
Will you check whether my new county has the tax freeze?
Yes, that is one of the first things we look at for an owner over 65. It is a local option adopted by 27 of Tennessee's 95 counties and 36 cities, with 2026 income limits ranging from $38,470 to $69,150, and your county trustee confirms eligibility for a specific address.
How quickly will someone respond?
Our team reaches out shortly during business hours. If your timeline is tight, say so in the message and we will treat it that way.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. Local tax freeze adoption, income limits, and landlord-tenant rules change and depend on your facts; your county trustee, your CPA or a Tennessee attorney, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.