Mt. Juliet, Tennessee

Home loans for Mt. Juliet's newer neighborhoods

Mt. Juliet sits in western Wilson County between two lakes, Old Hickory to the north and Percy Priest to the south. Its homes are some of the newest on our Tennessee pages: the median house dates to 2006, and only a sliver predate 1970. Read on for buying a newer home, financing a new-build rental and funding a builder's next phase.

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Conventional, VA and jumbo for Mt. Juliet buyers where licensed
Rent-ready houses held on DSCR loans
Phase-by-phase construction funding for builders

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Mt. Juliet at a glance

Newer, owner-heavy and the highest median home value of our Sumner, Wilson and Montgomery County pages.

Measure	Mt. Juliet	Tennessee
Population, July 2025	About 45,200	About 7,315,000
Change since 2020	Up about 15 percent	Up about 6 percent
Median year built	2006	1987
Homes built 2010 or later	About 40 percent	15 percent
Homes built before 1970	About 3 percent	About 27 percent
Owner-occupied homes	About 72 percent	About 67 percent
Townhomes	About 7 percent	About 4 percent
Median home value (owner estimate)	About $460,000	About $287,000

Sources: U.S. Census Bureau, American Community Survey 2020-2024 five-year estimates (opens in a new tab) (housing figures; estimates with margins of error) and Vintage 2025 population estimates (opens in a new tab) (July 1, 2025, compared with the April 2020 base). Accessed Oct. 20, 2026.

What stands out: two in five Mt. Juliet homes went up in 2010 or later, while duplexes to fourplexes are almost absent, about 1 percent. Most of what buyers and investors see here is a newer detached house or townhome.

Two lakes, I-40 and the Star

The Wilson County Convention and Visitors Bureau describes Mt. Juliet as "nestled between two lakes: Old Hickory and Percy Priest" (opens in a new tab), and home to Providence Marketplace, one of Middle Tennessee's largest open-air shopping centers. Interstate 40 runs through the city toward downtown Nashville.

Commuters also have the WeGo Star, the regional train between Lebanon and Nashville's Riverfront Station. WeGo Public Transit (opens in a new tab) lists a Mt. Juliet Station on East Division Street with about 255 park-and-ride spaces, and trains run weekday mornings and afternoons. For buyers, lake access, shopping and two ways downtown are much of the draw. For investors, they're part of what a renter weighs, and a DSCR loan is sized on that rent.

Financing the newer Mt. Juliet house

Buying to live in. With a median value around $460,000 and so much recent construction, many Mt. Juliet purchases are conventional loans on homes from the last two decades. Higher-priced homes near the lakes can cross into jumbo, and eligible veterans have VA for resales and new construction alike.

Buying to rent. A five-to-fifteen-year-old house with modern systems often needs little work, which suits a business-purpose DSCR loan sized on market rent. Builders adding homes in Wilson County can fund spec houses or a small build-to-rent phase through our construction program.

What a five-to-fifteen-year-old house means for your loan

Only about one Mt. Juliet home in thirty dates to before 1970, and duplexes are rare, so most purchases here are detached houses or townhomes, many of them built in the last two decades. That changes the conversation. Appraisers usually have plenty of recent sales from the same subdivision or the next one over, which makes it easier to know early where the value lands. Inspections tend to focus on the first big replacements: a water heater, a roof nearing its second decade, an HVAC unit that came with the house.

For a buyer, the common path is a conventional loan, with VA for eligible veterans and jumbo for the larger homes near Old Hickory and Percy Priest. For an investor, a house that's already rent-ready can go straight to a business-purpose DSCR loan, with no rehab budget or bridge period. And because the city keeps adding homes, builders can use one construction loan per phase and refinance finished rentals as they lease.

For investors and builders: Mt. Juliet

Business-purpose loans for investment property only. Not for personal, family or household use. Subject to approval. Equal Housing Opportunity.

DSCR loans for newer rentals

Keep a recently built Mt. Juliet house as a rental, qualified mostly on what it leases for.

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Ground-up construction

Spec homes and small build-to-rent phases in western Wilson County, funded as each stage is completed.

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Bridge loans

Secure finished houses or a lot while permanent financing comes together.

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Build-to-rent and 5+ units

Groups of rental homes or apartment projects, business-purpose only, on select programs.

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Home loans that fit Mt. Juliet

Home loans are offered only in states where Iron Hill Mortgage is licensed. Check our licensing page or NMLS Consumer Access for where we're licensed. Iron Hill Mortgage is a private company. We are not a government agency, and we are not endorsed by HUD, the FHA or the U.S. Department of Veterans Affairs.

Conventional loans

The workhorse for Mt. Juliet's newer detached homes and townhomes.

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VA loans

Guaranteed in part by VA. Eligible veterans use it on newer Mt. Juliet resales and on houses a builder is finishing.

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Jumbo loans

Larger houses near the two lakes that run past the yearly conforming limit.

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Mt. Juliet planning list

Buying new from a builder? Send the contract draft before you sign, so we can line the loan up with the finish date.
Buying a rental? Send the address and two or three leased comparables from the same subdivision.
Building? The lot, drawings, cost breakdown and a short list of homes you've completed.
Commuting on I-40 or the Star? Tell us where you work, and we'll factor the timing of your move into the plan.

Common questions

Is Mt. Juliet in Wilson County?

Yes. Mt. Juliet is in western Wilson County, about 45,200 people as of July 2025, with Lebanon, the county seat, to the east along I-40.

Will a newer Mt. Juliet rental qualify for DSCR financing?

Yes, when the house is an investment. A business-purpose DSCR loan is sized chiefly on the house's market rent against its mortgage, taxes and insurance. Newer houses often need little work before they're leased.

Does a Mt. Juliet purchase usually call for jumbo financing?

It depends on the loan amount. Mt. Juliet's median value is about $460,000, so many purchases stay conforming, while larger homes near the lakes may not. FHFA sets the conforming limit (opens in a new tab) each year, and we'll check it against your price.

Do you finance builders working in Mt. Juliet?

Yes. For a spec house or a few rental homes, we fund the build in stages as framing, mechanicals and finishes are completed, as a business-purpose loan. Bring the lot, your drawings, a cost breakdown and photos of a couple of homes you've finished.

Can I ride the WeGo Star from Mt. Juliet to work downtown?

On weekdays, yes. WeGo lists Mt. Juliet Station on East Division Street with park-and-ride spaces, and trains run toward Riverfront Station in the morning and back in the afternoon. Check WeGo's current schedule before you plan a move around it.