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Today's Mortgage Rates

Great rates - consistently below the national average, no lender fees, five star service and exclusive features.

We started Local Mortgage to bring something different to the mortgage market. Historically, mortgage customers had a choice between lower rates (and, typically poor service) with online lenders or better service with higher rates from local loan officers.  Not anymore . . .  If you want the best rates, great products, and the right blend of technology with a human touch during your mortgage process, you are in the right place. When you are ready to buy a home or refinance, you will feel at home with Local Mortgage.

Today's Rates





Interest Rate


30 Year
Fixed Rate

These are representative rates. Get a custom rate quote for accurate rates applicable to your loan needs. 

Have questions? Need advice? . . . Talk to us!

There's nothing our loan officers like doing more than meeting our customers and helping them one-on-one. 

Call us at 901.504.4663

Great Rates with 5 Star Service

As a family-owned company, we’ve always been more about people than numbers. We set out from the beginning to offer what we call “LOCAL” service. That means personal service from your very own loan team. We answer our phones and reply quickly to your texts and emails. Our people are true professionals who really know mortgages and how to create the best deal for each customer. They consistently get rave reviews for their service.


Along with high levels of service, you'll also get interest rates that are consistently much lower than the national average.  By serving a large area from one office, marketing directly to those most likely to need us and using leading edge technology, we've kept expenses low as our business has continually grown.


Our customers realize those cost savings every day by saving thousands of dollars on their mortgages. No compromises - Here, you can get great rates and “LOCAL” service!

Travis Chapman, CEO

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Your Loan Will Close On-Time.
We Guarantee It!

Get Pre-Approved with us and We'll Guarantee a Quick Closing.

Many things come together at once when closing on a home purchase. We understand how stressful it can be and do the work necessary on our end to ensure you'll have a smooth, on-time and worry free closing. We even guarantee that once you're pre-approved with us, when your find a home, your loan will close on-time in as soon as three weeks. If not, we'll make your first payment (up to $2,000).

Terms and Conditions>

Local Mortgage, Inc.  |  5350 Poplar Avenue, Suite 850  |  Memphis, Tennessee 38119

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©2022 by Local Mortgage Inc. - All rights reserved.  |  NMLS ID 1855068  |  Disclosures and Licenses

By using this website, you agree to our Terms of Use and Online Privacy Policy

Interest rates where shown, (or quoted) on this site are not an approval or offer of credit. All loans are subject to qualification based on the underwriting standards of Local Mortgage Inc., private or government insuring agencies, guarantors or investors. 

Communication/Marketing Consent: By submitting your information through this website, you authorize Local Mortgage Inc. to contact you via telephone and/or email, even if you have previously registered on the Do Not Call Registry. Any mobile telephone number you  provide may incur charges from your mobile service provider. By visiting this site, third parties may place cookies on your browser for advertising purposes. This data may be used by third parties to display digital advertising on other sites and networks based off of your activity. 

Licensed in AL, AR, CO, FL, GA, MN, MS, OH, SC, TN, and VA. Not a lending offer for residents of or property located in the State of New York.

Get a free mortgage checkup to learn more about your home's refinancing potential.


The real estate market is hot now! Home values went up nearly 20% across the country last year with some areas seeing 30% or more in home appreciation. You could have thousands available for access through a cash-out refinance. Get a free, no obligation mortgage checkup today and see how much is available for you.