Who We Are
Competitive Rates and FeesWe are 100% committed to putting your hard earned money back in you pocket! Try our online quotes and see for yourself.
Over 30 Years of ExperienceSince 1986, we have been a market leader in residential mortgage lending. From financing your dream home to refinancing your existing home, we have you covered.
Top 100 Mortgage Company in America - 2012, 2013, 2014
BBB A+ Rating
Better Business Bureau Accredited A+ Rating
Top USDA Rural Development Lender
One of two in Tennessee to receive top production award.
Top THDA Lender
We have been a top Tennessee Housing Development Agency lender since 1998.
Dreams of Home Ownership since 1986
Making dreams of home ownership come true since 1986!
Recognized by HUD
Recognized by the Department of Housing and Urban Development for success in serving minority first-time home buyers.
TN Locally Owned
TN Locally Owned and Operated for 30 years
Volunteer State Bank
Wholly owned subsidiary of Volunteer State Bank
Top Workplace Recipient
The Tennessean chose Guaranty Trust Company as one of its Top 45 Companies to work for in Tennessee in 2013, 2014, and 2015.
Billion Dollar Lender
We closed more than a Billion dollars in loans in 2013, 2014, and 2015.
Our Leadership Team
Conventional mortgage loans are mortgages that are not covered by any government program of insurance or guarantee.
FHA loans are ideal for first-time home buyers and those low- to moderate-income borrowers.
Available to individuals who have served or are currently in the U.S. armed forces that meet eligibility requirements.
The Rural Development (RD) Guaranteed loan program is a 30-year fixed loan provided by the United Stated Department of Agriculture (USDA).
Jumbo Loans Now available
Credit underwriting completed by Guaranty Trust within 48 hours of submission to underwriting. Loan to Value up to 80%, Max Loan Amount $2.25 Million. Available for primary residence and second home transactions. Purchase, Rate/term Refinance and Cash-Out Refinance 15 and 30 year fixed rate terms.
Tennessee Housing Development Agency (THDA) offers 30-year fixed rate mortgages and down payment assistance to first time homebuyers.
GTC Eligible States
If you are looking to refinance or purchase a home here are the states that are eligible for Guaranty Trust services: Alabama, Arkansas, Arizona, Colorado, Washington DC, Delaware, Florida, Georgia, Iowa, Indiana, Illinois, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Minnesota, Mississippi, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, and West Virginia.