Refinance your mortgage in Tennessee.
Athena is a licensed mortgage lender — not a traditional bank — refinancing conventional mortgages fully online. We're licensed in Tennessee, and you can verify our license anytime through NMLS Consumer Access or on our licensing page.
Refinance options
- Rate-and-term refinance — replace your current mortgage with a new rate, a new term, or both. Available in Tennessee.
- Cash-out refinance — turn part of the equity you've built into cash. It's a bigger loan on your home, so Athena shows you both sides of the math before you decide. Available in Tennessee.
How much equity do you need for a cash-out refinance?
Tennessee closing and recording
Does Tennessee tax a refinance mortgage?
Tennessee distinguishes realty transfer tax on ownership transfers from mortgage tax on recorded debt instruments. A refinance can involve mortgage tax even when ownership does not change. [S1] Ask your closing team how the tax applies to your new loan documents.
Does an earlier mortgage-tax payment cover the refinance?
Do not assume that it does. Tennessee's guidance for indebtedness increasing beyond a previously recorded maximum calls for additional tax on the increase and a reference to the earlier instrument. [S2] That guidance is not a blanket exemption for a new replacement mortgage.
Recording fees are separate. Davidson County's Register of Deeds lists fees for deeds of trust and releases under Tennessee's recording-fee statute. [S3] Review the tax and recording entries on your Loan Estimate with your closing team.
Sources
How it works
- Check your options. Seeing them takes about 30 seconds and uses a soft credit inquiry — no impact to your credit score. A hard pull comes later, with a full application.
- See your numbers. Your options on screen, in plain figures, before you commit to anything.
- Close fully online. The whole process runs digitally, from application through closing.
Refinancing in Tennessee communities
Looking into refinancing in Nashville or Knoxville? [S4] [S5] Use the Tennessee closing information above, then explore the refinance options on this page.
No lender fees. Zero points required.*
*Buying your rate down with discount points is always optional, never required. Other closing costs still apply. — “No lender fees” means Athena charges no origination, application, processing, or underwriting fees. Third-party and prepaid costs — appraisal, credit, title, recording, and prepaid interest — still apply at every lender, and your Loan Estimate shows the actual figures for your loan.
Frequently asked questions
Does Athena offer mortgage refinancing in Nashville?
Athena offers conventional rate-and-term refinancing in Tennessee, and cash-out where available, with an online application. Review the options on this page and the Tennessee closing information above. Product availability and eligibility vary.
Can I apply online to refinance a home in Knoxville?
Athena offers an online application for conventional mortgage refinancing in Tennessee. Start with the options on this page and review the mortgage-tax and recording information above.
How do I start refinancing my home loan in Tennessee?
Explore the refinance options on this page, then use Athena's online application. Review your Loan Estimate for your loan's figures and ask your closing team to explain the Tennessee mortgage-tax and recording entries.
Is Athena licensed in Tennessee?
Yes — Athena (NMLS #2771910) is licensed in Tennessee. Our current state licenses are listed at athenamoney.co/licensing, and you can verify any lender's license directly at NMLS Consumer Access.
Does checking my options affect my credit?
No — seeing your options uses a soft credit inquiry, with no impact to your credit score. A hard pull happens later, with a full application.
What types of loans does Athena offer in Tennessee?
Conventional refinancing — rate-and-term, and cash-out where available. Athena doesn't offer purchase loans, FHA/VA/USDA loans, jumbo loans, HELOCs, or second mortgages.
What does refinancing cost with Athena?
Athena charges no lender fees and requires zero discount points. Third-party and prepaid closing costs — appraisal, credit, title, recording, prepaid interest — still apply, and your Loan Estimate shows the exact figures before you commit.
Is the process really online?
Yes — application through closing runs digitally, except where state law requires an in-person signing. You'll see your numbers on screen at each decision point.
See your options in Tennessee.
It takes about 30 seconds, with no credit impact to look.
→ apply.athenamoney.co/introduction