Justin Kennedy
Justin Kennedy
Peoples Home Equity
Knoxville, TN 37922

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Conventional Loans

Conventional Lending up to 95% Loan to Value “Conventional lending is a type of financing that has been popular for many years. It is the typical loan that most buyers want to obtain.

The conventional market extends financing to homebuyers for as little as 5% down! This small down payment must be the borrowers OWN funds, ‘sourced and seasoned’ in your checking/savings account for at least 60 days (or from the sale or another property etc). The seller is allowed to pay up to 3% towards ‘seller paid closing costs’ on behalf of the buyer in this type of transaction. Buyers can obtain a 30, 20, 15 or 10 year terms for their loans on this type of product Appraisals in Knox County for a Conventional loan are $400.00. Our current minimum credit score requirement for a conventional loan is a 640. However, we normally like to have at least a 680 in order to secure the best rate and lowest Mortgage Insurance Premiums.”

The Justin Kennedy Team
Licensed Mortgage Loan Originator
8351 E Walker Springs Ln.
Ste. 200
Knoxville, TN 37923
Ph: 865-318-2923


Justin is a very dedicated loan office He works hard for his clients and follows through on every part of the process, Justin was understanding and very helpful. He was there to answer any and all questions I had during the whole process he kept me updated every step of the way. Justin made my home buying experience less stressful and simple. Sharon Brewer
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Justin Kennedy NMLS #151602

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Cardinal Financial Company, Limited Partnership (NMLS ID 66247).

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