First Horizon Bank · Bank
First Horizon Bank
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: All loans subject to credit and collateral approval. Some restrictions may apply. The official route is a mortgage inquiry for a representative callback.
Our take: Pros & Cons
What we like
- Interest rate remains constant through the loan term, with predictable principal-and-interest payments.
- Conventional fixed-rate mortgage terms typically range from 10 to 30 years.
- No charge for completing the online application; borrower pays appraisal cost once an appraisal is ordered.
What to consider
- Product comparison states 20% down avoids mortgage insurance; less than 20% requires PMI. This is not a published universal minimum down payment.
- Minimum score, residency/visa, SSN/ITIN, foreign-credit/income and reserves are not stated on the reviewed fixed-rate product information.
- Current numeric interest rate, APR and complete costs require lender confirmation.
AI-generated lender-level assessment based on published information. Not a verified assessment of First Horizon Bank; confirm program-specific conditions below.
Newcomer requirements
First Horizon Bank
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Income documentation
- Published conditions apply. Read the full lender requirements below before applying.
- Employment documentation
- Published conditions apply. Read the full lender requirements below before applying.
View full lender requirements
- Income documentation
- May request paycheck stub, W-2s or tax returns to document income. Borrower authorization, appraisal and homeowners insurance information; flood insurance if the property is in a flood zone. Copy of first mortgage note if another lender holds it; current statements for bills paid at closing.
- Employment documentation
- Your loan officer will tell you what is needed to verify and document the income you wish to be considered. In some cases, we'll need your most recent paycheck stub, and you may also be asked to provide W2s or tax returns.
- Other conditions
- Borrower pays for appraisal once ordered; no cost to complete online application. Refinancing guidance typically asks for income proof, tax returns, bank statements, credit report and current mortgage details.
Questions to confirm with the lender (14)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
First Horizon Bank
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
First Horizon Bank
- May request paycheck stub, W-2s or tax returns to document income. Borrower authorization, appraisal and homeowners insurance information; flood insurance if the property is in a flood zone. Copy of first mortgage note if another lender holds it; current statements for bills paid at closing.
- Your loan officer will tell you what is needed to verify and document the income you wish to be considered. In some cases, we'll need your most recent paycheck stub, and you may also be asked to provide W2s or tax returns.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional fixed-rate home financing from First Horizon Bank, with terms typically ranging from 10 to 30 years. Stable principal-and-interest payments support budgeting; confirm programme eligibility and request a current quote from a mortgage specialist.
Legal lender: First Horizon Bank
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 472329
More lender directory information
Direct application information ↗
All loans subject to credit and collateral approval. Some restrictions may apply. The official route is a mortgage inquiry for a representative callback.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.