Murfreesboro TN Mortgage Broker & Correspondent Lender
OnPoint Mortgage helps Murfreesboro and Rutherford County buyers finance homes with clear options: conventional, FHA, VA, jumbo, Non-QM, and HELOC. Local Middle Tennessee team, Franklin office. Call (615) 432-0046.
Apply NowBook AppointmentMurfreesboro · Rutherford County
Murfreesboro home price ranges
Murfreesboro is Rutherford County’s seat and one of the largest housing markets in Middle Tennessee. Redfin data for the three months ending September 2026 shows a median sale price of about $428,000 (down 2.0% year over year), roughly $215 per square foot, and a median of 65 days on market, which gives buyers more room to negotiate than a year ago. We underwrite around your payment comfort, not just the list price.
Median sold
~$428K
Redfin · 3 months ending Sept 2026
$/sq ft
~$215
Redfin median · up 2.6% year over year
Days on market
~65
Redfin median · up from 58 last year
Rutherford County & Murfreesboro property taxes
Tennessee assesses residential property at 25% of appraised value. After the 2026 reappraisal, Rutherford County’s rate is $1.4885 per $100 of assessed value and the City of Murfreesboro’s is $0.7529, for a combined in-city rate of about $2.2414. Example: a $428,000 appraised home has $107,000 assessed, or roughly $2,398/year inside Murfreesboro city limits. City and county bills are paid separately; confirm the parcel with the Rutherford County Trustee before you budget escrow.
Neighborhoods
Where Murfreesboro buyers are shopping
Whether you are buying near MTSU, commuting up I-24 to Nashville, or choosing new construction in Blackman, financing should fit the property type. As both a mortgage broker and a correspondent lender, OnPoint Mortgage can shop wholesale channels or originate in-house when that path is stronger for your file.
Blackman
West-side growth corridor popular with families and I-24 commuters. Lots of newer subdivisions, so builder incentives and rate buydowns are worth comparing.
Historic Downtown & MTSU
Older homes around the Square and near Middle Tennessee State University. Good fit for first-time buyers, renovation financing, and small investment properties.
Gateway / Medical Center Pkwy
Close to The Avenue, hospitals, and I-24. Townhomes and condos here can be a lower-cost entry point, and we check HOA and condo approval early.
Outlying Rutherford County
Christiana, Rockvale, and Lascassas offer more land. Some rural addresses outside city limits may qualify for USDA financing. We check the property on USDA’s eligibility map first.
Programs
Which loans fit Murfreesboro
With a median price in the low $400Ks, many Murfreesboro buyers use conventional with a modest down payment or FHA for flexible credit. VA offers zero-down potential for eligible veterans and service members. Murfreesboro itself is too large for USDA, but some rural Rutherford County addresses may qualify. We tell you straight if a program’s limits don’t match the home you want.
Conventional & FHA
The workhorses for first-time and move-up buyers. Compare builder incentives against a buydown or lower rate on new construction.
VA · USDA
VA zero-down potential for eligible veterans. USDA only for eligible rural addresses outside city limits, never inside Murfreesboro proper.
Non-QM · HELOC
Bank-statement options for self-employed buyers and investors. HELOC or cash-out to tap Rutherford County equity.
More local mortgage guides: Franklin · Brentwood · Nashville · Spring Hill · Mt. Juliet · Hendersonville · Williamson County
Reviews
What Middle Tennessee clients are saying
OnPoint Mortgage maintains a strong public Google rating (5.0 as of date of publication). Quotes below appear on our website from actual clients.
“Steffen Cushing and the OnPoint Mortgage team are truly the best in the biz. Steffen walked us through our options clearly, answered every question quickly, and always had a solution when something came up. Highly recommend!” (Mallory Hughes)
“Working with Lemuel Brown at On Point Mortgage was an excellent experience. He took the time to truly understand our financial needs and guided us through every step with clarity and patience. Highly recommend his expertise and service.” (Davida Wright)
“Steffen with OnPoint Mortgage was absolutely incredible. We really appreciated his patience and commitment to helping us through this process. All around we felt supported and like we had an amazing team rooting for us!”– Emily Johnson
FAQ
Murfreesboro mortgage FAQs
Do you serve Murfreesboro and Rutherford County buyers?
Yes. We finance purchases and refinances across Murfreesboro, Smyrna, La Vergne, and the rest of Rutherford County from our office at 3310 Aspen Grove Dr, Suite 303, Franklin, TN 37067. Most of the process can be handled by phone and online. Call (615) 432-0046 or email support@onpointmtg.net.
Are you a mortgage broker or a lender?
Both. OnPoint Mortgage operates as a mortgage broker and a correspondent lender so we can shop wholesale channels for competitive pricing or originate as correspondent when that structure serves your file better.
How do Murfreesboro property taxes affect my payment?
Tennessee assesses homes at 25% of appraised value. 2026 rates are $1.4885/$100 assessed for Rutherford County plus $0.7529 for the City of Murfreesboro (about $2.2414 combined). Homes outside city limits pay only the county rate. We include estimated taxes and insurance in your escrowed payment so the number you see is realistic.
Is USDA available in Murfreesboro?
Not inside Murfreesboro city limits. Some rural Rutherford County addresses may be eligible, so we check the exact property on USDA’s eligibility map before recommending it. FHA, VA, and low-down-payment conventional are the more common options in town.
Do I need to visit your Franklin office?
No. Murfreesboro clients can apply online and meet by phone or video. If you prefer to meet in person, we’re at 3310 Aspen Grove Dr, Suite 303, Franklin, TN 37067. Hours: Monday through Friday, 8am to 5pm; Saturday by appointment only; closed Sunday.
Visit us
Map, directions & contact
OnPoint Mortgage, LLC
3310 Aspen Grove Dr, Suite 303
Franklin, TN 37067
Phone: (615) 432-0046
Email: support@onpointmtg.net
Mon to Fri, 8am to 5pm · Saturday by appointment · Closed Sunday
Getting here
Aspen Grove office corridor off the Cool Springs / McEwen area, convenient from I-65, Moores Lane, and Mack Hatcher. Free parking at the building. Serving Murfreesboro and Rutherford County buyers as a mortgage broker and correspondent lender.