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Home financing in Scott County.

County-by-county financing guides. No paperwork. No social. No ID.

1 institutions are headquartered inside the Scott County line. They are below, by name and by town.

See the 1 doorsAsk a question

Not this lane? Business FinancingPersonal Financing

In this county1DOORS INSIDE THE COUNTY LINE
THE DIRECTORY

The doors in Scott County.

The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.

Headquartered in Scott County1
  • The First National Bank of OneidaHelenwood · CDFI bank
    Personal · Business capital
Serving all of Tennessee4
  • Communities Unlimited, Inc.SBA microlenderFayetteville · CDFI loan fund
    Community lending · Business capital
  • LiftFund, Inc.SBA microlenderSan Antonio · CDFI loan fund
    Community lending · Business capital
  • People Incorporated Financial ServicesSBA microlenderAbingdon · CDFI loan fund
    Community lending · Business capital
  • The Housing Fund, Inc.Madison · CDFI loan fund
    Community lending · Business capital
National — works with an ITIN2
  • Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender

    Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.

    Personal
  • Grameen AmericaAccepts ITINNew York · National nonprofit lender

    Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.

    Business capital
IN THIS LIST

5 of the 7 are CDFI-certified.

The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.

NO SOCIAL SECURITY NUMBER

2 of these doors accept an ITIN.

They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.

A modest house in warm evening light
OPEN DOORS IN SCOTT COUNTY
THE GUIDE

This guide walks solo contractors, first-time buyers, and small real-estate investors through the home financing landscape in Scott County, Tennessee. It covers what home loans look like in this rural Appalachian community, who qualifies, what paperwork to gather, and which local and regional lenders — including ITIN-friendly options and community development lenders — actually serve this area. It also flags common traps so you can protect your money and your family.

FROM HERE

Same county, another question.

A worn carpenter's bench at first light, hand tools and gloves laid outBusiness FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN SCOTT COUNTY →A porch at dusk, string lights on, two chairs pulled upPersonal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN SCOTT COUNTY →59TN COUNTIES WITH DOORSThe whole stateEvery county in Tennessee, in this same lane.78 institutions fund home financing inside Tennessee county lines.OPEN THE STATE →
The Tennessee counties with the most doors of this kind
Shelby County17 doorsDavidson County12 doorsKnox County11 doorsHamilton County11 doorsWashington County10 doorsSullivan County7 doorsRutherford County6 doorsBlount County6 doors
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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions