Rhea Gaines
NMLS Verified

Rhea Gaines

Rhea Gaines - Legacy LendingNMLS #463586
Fayetteville, TN5 Years of Experience2 Trusted Pro Network

About

Buying a home can feel overwhelming, but you don't have to navigate the process alone. I'm Rhea Gaines, a Home Loan Originator with Legacy Lending, and I've had the privilege of helping hundreds of homebuyers navigate the mortgage process from pre-approval through closing. With 5 years of experience, 357 loans closed, and $86 million in loan volume, my goal is to make the home financing process straightforward, understandable, and as stress-free as possible while helping my clients feel confident in their decisions. I offer a variety of home loan options, including Conventional, FHA, VA, USDA, Jumbo, and Investor/DSCR financing, allowing me to help clients find a financing solution that best fits their individual needs and goals. I...

Primary Markets

  • Athens, AL
  • Decatur, AL
  • Fayetteville, TN
  • Huntsville, AL
  • Lawrenceburg, TN
  • Madison, AL
  • Manchester, TN
  • Pulaski, TN
  • Shelbyville, TN
  • Tullahoma, TN

Client Success

357
Loans Closed
$86M
Loan Volume
4
Loan Types

Loan Specialties

Conventional

FHA

VA

USDA

Jumbo

Investor / DSCR

Who I specialize in helping

First-Time HomebuyersVeterans & Active-Duty MilitaryLuxury / High-Value Homebuyers

Recently Closed Leads

Loan TypeLoan AmountPurposeCityClose Date
CONV$211,200PurchFayetteville04/30/2021
USDA$139,000RefiTullahoma05/14/2021
CONV$101,200PurchFayetteville06/04/2021
CONV$126,000Refi-CashoutManchester06/01/2021
USDA$140,000PurchTullahoma06/30/2021
FHA$156,330PurchFayetteville06/30/2021
USDA$147,000PurchFalkville07/09/2021
FHA$262,866PurchFlintville07/13/2021
FHA$173,603PurchFayetteville07/19/2021
CONV$148,000PurchShelbyville07/27/2021

Photo Gallery

Reviews

5.0 (13 reviews)

HaleyIrvin

Jan 4, 2026

5.0
zillowZillowVERIFIED

Rhea was so amazing and helpful through the whole process of me and my fiancé buying our first home. With both of us being younger and this being our first time buying a house her support, help, and encouragement is what got us through the whole process! Me and my fiancé both highly recommend her to anyone looking she truly is the best! She answered all questions and even went above and beyond sending videos explaining everything so that we could see the numbers all laid out which was very helpful!

DeAnna

Sep 8, 2025

5.0
zillowZillowVERIFIED

Rhea is an outstanding lender who goes above and beyond for her clients. She is knowledgeable, responsive, and makes the entire process smooth from start to finish. Highly recommend her expertise and professionalism.

Rik756

Aug 26, 2025

5.0
zillowZillowVERIFIED

Working with Rhea Gaines and Legacy Lending in Fayetteville, Tennessee was nothing short of amazing! Rhea was incredibly knowledgeable, always spot-on with her information, and unbelievably responsive. She made the entire process smooth, stress-free, and even fun! Her communication was flawless, her guidance was invaluable, and she was genuinely a pleasure to work with every step of the way. If you want a real estate pro who is professional, personable, and absolutely on top of her game, Rhea is the one to call!

Sarahannehoward95

Nov 6, 2024

5.0
zillowZillowVERIFIED

Rhea was so helpful and easy to work with! She helped us get approved for more than we were able to with any other lender. Will definitely be recommending her to anyone that’s in need of getting a home loan.

PaulM.

Nov 2, 2024

5.0
zillowZillowVERIFIED

We recently worked with Rhea at Legacy Lending to secure a loan for our first home, and we couldn’t be happier with the experience. Rhea went above and beyond to help us in ways that other loan officers hadn’t even considered. Not only did she guide us through every step of the process, but she also took the time to help us identify specific areas in our credit history that needed improvement, making sure we were in the best possible position to get approved. Rhea's expertise, patience, and dedication made a world of difference for us, and we truly felt she cared about our journey. She made what could have been a stressful experience feel straightforward and manageable. We’re so grateful to have had someone like her by our side during such an important time in our lives. If you’re looking for a loan officer who genuinely has your best interests at heart, Rhea is the one to go to!