Our status as a leading national retail lender allows us to negotiate with a wide variety of investors to provide innovative and creative loan products. With more products, including quality niche market programs, in your lineup, you can become a valuable consultant to your customers and build stronger relationships by providing loans that truly fit their needs.

In addition to our complete package of FHA, VA and conventional fixed rate and ARM products, we offer a versatile roster of unique programs to give you maximum flexibility with your customers, including:

• Low and No Down Payment Programs:  First Horizon Home Loans is an industry leader when it comes to innovative products to eliminate the down payment barrier for your customers. We have a wide variety of 97- to 100-percent programs to help you meet your customers' needs. Some excellent examples include a FLEX 97, FLEX 100, FLEX 80/20, and other products.
• Low and No Documentation:  Sometimes the most difficult loans create the best opportunities to build a strong relationship. When you're the person who provides a sensible financing solution to a customer with a complex situation, you immediately earn his/her trust. Our full array of these flexible programs turn complicated financial situations into satisfied customers. We offer a multitude of different programs that include fixed, ARMs, conforming and JUMBO options with loan amounts as high as $5,000,000.
• Second Liens:  Avoid MI and sidestep JUMBO rates without tying up 20% in a down payment. How? With our 80-2, 80-10-10 and 80-15-5 second lien purchase programs. We also offer closed-end, equity cash-out seconds and 15-year stand-alone seconds. With First Horizon Home Loans, you'll have the products to help your clients save money on their purchase as well as offer additional value in the future as their financial needs change.
• Home Equity Lines of Credit (HELOC):  A lot of lenders offer home equity lines of credit. And we do, too. But our innovative HomeEquityEdge^SM program gives you the flexibility to meet your customers' individual equity needs - even at the first lien closing table. Our HomeEquityEdge combo lets approved buyers close a HELOC in conjunction with their first lien at no extra cost. For your existing customers, our stand-alone HomeEquityEdge products allow them to choose between paying no closing costs, taking an immediate draw or simply establishing the line with no draw.
• Construction Lending:  Don't be shut out of deals with construction or renovation plans. Our One-Time Close construction loan combines new-home construction and permanent financing rolled into one! One process. One loan. One closing.
• Mortgage Renovation Plus (MRP):  This program can eliminate your customers' worries about applying for a home improvement loan after closing on their fixer-upper. With MRP, you're able to include improvements or additions in the first lien!
• Lot Loan:  Plus, even before construction begins, our short-term, interest-only Lot Loans facilitate the purchase of land for near term building of a custom home. Work with builders, real-estate professionals, developers and clients in the process of acquiring land and originating a One-Time Close loan.

Plus, even before construction begins, our short-term, interest-only Lot Loans facilitate the purchase of land for the near term building of a custom home. Work with builders, real estate professionals, developers and clients in the process of acquiring land and originating a One-Time Close loan.

Other innovative loan products include:

• Credit Card at Close Program:  Deepen your customer relationship immediately with this value-added benefit at closing.
• Mortgage Motivator^SM:  Better than sub-prime, not quite 'A' paper. Mortgage Motivator rewards an on-time payment history with a one-time rate reduction!
• Loan2Loan^SM:  Streamlined application and documentation program for current customers.
• First Horizon Bridge Loan:  When timing is everything, our Bridge Loan helps avoid double moves and relieves the pressure of simultaneous closings.