First Financial of Tennessee provides various programs for residential real estate financing for both purchasing and refinancing. These include residential mortgage loans, equity loans, financing for multifamily units and bill consolidation. In addition to providing the industry standards, First Financial also has special programs for those with prior bankruptcy, less-than-perfect credit or those who are unable to prove a source of income. Some of the perks it offers are free financial consultation and approval over the phone. Headquartered in Athens, Tenn., First Financial of Tennessee maintains five additional branches in Knoxville, Cookeville, Cleveland, Murfreesboro and Etowah, Tenn. The company is locally owned and operated.