Business Details
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Welcome to First Horizon Bank - located in Spring Hill. Since 1864, we’ve been a bank you can count on. Our financial foundation is so steady you can build a house on it. Mortgage loan included. Our commitment to you has won some pretty big awards. Like Forbes World’s Best Banks. Stop by today and tap into local decision-makers who actually get where you’re coming from. And a go-to banker who is always just a call away.
Details
- Requires appointmentNot available
- Drive-throughAvailable
- Onsite servicesAvailable
- Free parking lotAvailable
Location
First Horizon Bank - Spring Hill, TN - Columbia Pike
4938 Columbia Pike, Spring Hill, TN
37174, United States
Hours
Reviews
3.5
28 reviews
5 stars
16
4 stars
2
3 stars0
2 stars
1
1 star
9
- LDLiz DewberrySep 4, 20201.0Do not ever, and I mean EVER, bother applying for a bank account with a company that uses Chexsystems. This scoring system for banking is arbitrary, incorrect, and discriminatory. They should be ashamed of themselves for allowing a third party company decide a fate when it comes to banking. We have no outstanding bank issues and have had the same previous bank (one of the largest in the world) for almost a decade. No one deserves to continuously be declined a way to manage their money from a bank that doesn't even bother to get to know their customer's banking history personally and instead just resorting to this magic number another company pulls out of their butt. Do not bank with these people!
- JLJerry LivingstonAug 12, 20201.0Ever since First Tennessee became First Horizon there service has gone into the trash can. Their hours are no longer for customer convenience. They are lacking in customer service. Every time I go to the Spring Hill branch I leave ready to move to another bank.
- AWAnnelle WaddeyJan 7, 20205.0They are an excellent bank. I have been doing business with them since 1989.
Frequently Asked Questions About First Horizon Bank - Spring Hill, TN - Columbia Pike
What do I need to open a personal checking account?
$50 minimum opening deposit
Social Security number
Date of birth
Personal identification such as a driver’s license, passport, state or government-issued ID
Can I open a personal checking account online?
Yes. Alternatively, you can visit one of our banking centers to apply in person.
Is there a limit on the number of transactions I can make with a personal checking account?
No, there is no limit on the number of transactions.
What are the first steps in the home buying process?
The first steps include assessing your financial situation, getting pre-qualified for a mortgage, and determining your budget. It's also important to start researching neighborhoods and listing your home preferences. First Horizon's mortgage specialists can guide you through these initial steps.
How long does it take to buy a home?
The home buying process typically takes between 30 to 60 days from making an offer to closing. This timeline can vary based on factors such as market conditions, the efficiency of your lender, and the specifics of the transaction.
What is mortgage prequalification and why is it important?
Mortgage prequalification involves a lender reviewing your financial information to determine your loan eligibility and providing a prequalified letter. This letter strengthens your offer on a home by showing sellers you are a serious and qualified buyer.
What types of mortgage loans are available through First Horizon?
First Horizon offers a variety of mortgage loans, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Each type has different benefits to suit diverse financial needs.
Can First Horizon help with financing for first-time homebuyers?
Yes, First Horizon offers several programs designed to assist first-time homebuyers, including FHA loans and other options with lower down payment requirements. Our mortgage specialists can help you explore these programs and find the best fit for your needs.
How do I know if mortgage loan refinancing is right for me?
Refinancing may be beneficial if current interest rates are lower than your existing rate, if you want to switch from an adjustable-rate mortgage to a fixed-rate mortgage, or if you need to tap into your home’s equity. Our mortgage specialists can help you evaluate your situation.
What types of small business loans do you offer?
There are many different types of small business loans available, including small business term loans, lines of credit and real estate loans. Talk to a banker today to review your options.
What are the qualifications for a small business loan?
The loan requirements for a small business loan will vary, depending on the loan type and other factors. Here are some things to consider when applying:
Business Plan: Craft a thorough business plan outlining your goals, market analysis, financial projections, and how the loan will be utilized. A well-prepared plan demonstrates your business's viability.
Loan Purpose: Clearly articulate the purpose of the loan and how it will benefit your business. Whether it's for expansion, equipment purchase, working capital or other needs, provide specific details to support your application.
Collateral: Some loans require collateral. If your loan requires collateral, be prepared to offer assets such as real estate, equipment or inventory.
Credit History: Your personal and business credit scores play a significant role. Aim for good scores to enhance your eligibility.
Cash Flow: Lenders assess your business's cash flow to determine your ability to repay the loan. Positive cash flow and consistent revenue are essential indicators of financial stability.
Industry Experience: Your industry expertise and a track record of success can help strengthen your application.
Debt-to-Income Ratio: Lenders evaluate your debt-to-income ratio to gauge your ability to manage additional debt payments. Maintaining a healthy ratio improves your chances of loan approval.
Legal Compliance: Ensure your business complies with all legal and regulatory requirements, including licenses, permits and registrations.
Relationship with Lender: Building a positive relationship with your lender can be advantageous. Regular communication and responsible financial management can help expedite the process.
How long does it take to get a small business loan?
As soon as you recognize the need for funds and can gather the necessary documentation, contact your banker to get the process started. The length of the loan application process is dependent on the complexity of the loan.
What are the operating hours for the drive-through at First Horizon Bank in Spring Hill?
The drive-through is open Monday to Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 6:00 PM, Saturday from 9:00 AM to 1:00 PM, and closed on Sunday.
What do I need to open a personal checking account at First Horizon Bank?
You need a $50 minimum opening deposit, Social Security number, date of birth, and personal identification such as a driver's license, passport, or government-issued ID.
Can I open a personal checking account online with First Horizon Bank?
Yes, you can open a personal checking account online or visit a banking center to apply in person.
What types of mortgage loans does First Horizon Bank offer?
They offer fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans tailored to different financial needs.
Does First Horizon Bank provide assistance for first-time homebuyers?
Yes, they offer programs such as FHA loans with lower down payment requirements and mortgage specialists to help first-time homebuyers.
What small business loan options are available at First Horizon Bank?
Options include term loans, lines of credit, and real estate loans. Talking to a banker can help review and choose the best option for your business.
Is First Horizon Bank accessible for customers with disabilities?
Yes, the bank has a wheelchair accessible entrance, free onsite parking, and a drive-through to accommodate customers with different needs.
What nearby places can I visit before or after my banking at First Horizon Bank on Columbia Pike?
Nearby you can visit Snap Fitness for a workout, enjoy a meal at Taco Bell or Better Days Diner, and grab a sweet treat at Crumbl Cookies or Andy's Frozen Custard.
Where can I find other banking options near First Horizon Bank in Spring Hill?
Nearby banking options include First Tennessee Bank, First Citizens National Bank (with an ATM), and Franklin Synergy Bank.
Are there any financial or professional services near First Horizon Bank that customers might find useful?
Yes, nearby you'll find Jackson Hewitt Tax Service for tax help, Edward Jones for financial advising, and The Law Office Of Stacy S. Neisler for legal services.