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Refinance with a lower mortgage rate.

We are a family owned mortgage lender in Memphis, Tennessee built to provide our clients with the lowest mortgage rates and five-star service.

PRODUCTS

Range of mortgage products to fit your needs. 

LOW RATES

Rates below the national average. 

OUR PROCESS

A human experience with online ease. 

COMMUNICATION

Responsive, straightforward communication.

We help all types of homeowners get lower rates. 

No matter why you want to refinance, we are the best mortgage lender for you. We will help you save money with a low interest rate and show you why our clients consistently give us 5 star reviews. 

You deserve lower mortgage rates. 

6.220%

Today's National Average
30 Year Fixed Conventional

Today's national average for a 30 year fixed Conventional rate per Mortgage News Daily.

5.875%

Today's Rate (5.903% APR)
30 Year Fixed Conventional

Today's 30 year fixed Conventional rate from Local Mortgage.

.345%

Today's Rate Savings
Lock in a lower rate today

Our customer's rate savings as compared to the national average.

$27,529

Life of Loan Interest Savings
This can be your savings

The life of loan interest savings for a $344,000 loan amount.

You deserve the best mortgage company. 

We have an unwavering commitment to our clients. Read a few of our 200+ reviews on Google, they will tell you better than we can! You can can count on our commitment to being available when you need us, answering your questions, and handling your loan with the care it deserves. Our company is built around owners and stakeholders, rather than employees. Quite frankly, your satisfaction means more to us. 

Our mission is to help you save. You work hard to afford your home, don't pay more than necessary. We monitor our rates everyday to make sure that we are giving you the best mortgage at the lowest rate possible. Since our company is built around owners, we have eliminated high sales commissions which results in lower rates for you. 

Our family has over 50+ years of combined experience helping families buy homes. We have closed thousands of loans for people just like you, giving us the experience and expertise to close your loan quickly and efficiently. 

Today's 30 Year Fixed Conventional Rate is 

.345%

Below the National Average

Become our customer and we will make you a fan.

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"amazing in my home refinancing process"

Travis and Chase were both amazing in my home refinancing process. Anything I needed they were both on top of it immediately. 

Haley A.
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"easiest and best experience I've had"

I've financed or refinanced 12 times now in my life and this was the easiest and best experience I've had. They had the best rates and by far were the most available lender I have worked with - answering questions day or night.

Pete A.
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"a real person answers the phone every time"

Our refinance process was incredibly quick (less than 3 weeks) and easy, they even sent a mobile notary to our home for the closing. We're pleased with the rate we got on our loan, and the customer service was excellent -- a real person answers the phone every time!

Jennifer H.

Need help? Schedule a quick call with us. 

Mortgage Consultation

Our Refinance Products

We offer all of the best refinance products. No matter which product you need, you will always get the best mortgage rate possible.  

Refinance
Learning Center

Our Refinance Learning Center is a go to resource for all things refinance. Learn refinancing strategies to lower your interest, how to tap into your home's equity and even how to refinance without paying closing costs. 

Family Walking Around the Neighborhood

Our Approved States

We are located in the heart of Memphis, Tennessee and proudly serve our hometown of Memphis and the surrounding areas. Being a local mortgage lender, we are able to provide the best mortgage at the lowest rate to the communities and neighborhoods where we work and live. 

By investing in the best technology and committing to the highest levels of service, we are able to deliver our hometown service across a wider geographic footprint with no sacrifices. Home buyers and homeowners in the states listed here can also get the best rate and experience our five star service. 

Colorado

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Florida

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Georgia

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Mississippi

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Tennessee

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When you are ready,
we are here. 

Ready to get started? Great, click below. If you have questions, call us! Our hours are listed below.

901-504-4663

 

Monday - Thursday                         8am-8pm

Friday                                                    8am-6pm

Saturday                                              9am-4pm

Sunday                                               12pm-4pm

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Travis Chapman

CEO

NMLS 64848

Cell: 901-289-8783

tchapman@localmortgage.com

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Derek Chapman

Vice President

NMLS 1339905

Cell: 901-701-6732

dchapman@localmortgage.com

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Chase Newell

Vice President

NMLS 1290069

Cell: 901-356-0568

cnewell@localmortgage.com

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