Areas served: Chattanooga, TN and surrounding Hamilton County
Chattanooga's mortgage landscape includes both national mortgage brokerages and independent local firms serving buyers across Hamilton County and the greater Tennessee Valley region. The local market features conventional purchase loans, FVA and USDA rural housing loans for outlying areas, and specialized programs for first-time homebuyers in redevelopment zones downtown and in North Chattanooga. Brokers in this directory have been evaluated based on their lender relationships, rate competitiveness, loan product range, and ability to serve both the urban Chattanooga market and surrounding communities like East Ridge, Red Bank, and Soddy-Daisy.
Casey Bryant Mortgage Team at Benchmark Home Loans provides mortgage lending services across multiple states including Tennessee, Florida, Georgia, and others. Led by Producing Branch Manager Casey Bryant (NMLS #1670270), the team specializes in helping homebuyers navigate the loan process with personalized service, competitive rates, and efficient processing. They offer pre-approval consultations, market insights, and a transparent approach to home financing.
The J Lending Team is a mortgage branch of Highlands Residential Mortgage, founded in 2010 and led by Branch Manager Jessica Upshaw and Sr. Loan Officer Stacy Woods. They specialize in first-time homebuyer loans, investment properties, conventional loans, FHA loans, and VA loans, with a focus on transparency, education, and personalized customer support throughout the entire mortgage process. Their mission centers on guiding clients through home buying with expertise and care, whether it's a first purchase or refinancing.
The Gabe Whitmer Team at FirstBank Mortgage specializes in mortgage lending for homebuyers and refinancing in the Chattanooga area. Led by NMLS-licensed loan officer Gabe Whitmer and supported by a team of experienced mortgage bankers including Zachary Nelson, Sue Ratchford, Tyner Brooks, and Rusty Wienk, they offer personalized loan solutions with a focus on clear communication and fast processing. The team provides first-time homebuyer guidance, refinancing options, and employer advantage programs.
Home Mortgage Solutions LLC is Bradley County's oldest locally-owned mortgage lender, offering comprehensive home financing solutions including FHA loans, VA loans, USDA rural housing loans, conventional loans, reverse mortgages, down payment assistance, and non-qualified/ITIN loans. Owned and operated by J Darrell Whitaker with over 80 years of combined lending experience, they serve first-time homebuyers, veterans, rural buyers, and those with unique financial situations across Tennessee and Georgia. Their commitment to transparent communication and personalized service makes them a trusted partner for both individual buyers and real estate professionals.
McGinnis Team at RWM Home Loans provides comprehensive mortgage lending services in Chattanooga, specializing in helping borrowers secure financing for home purchases and refinancing. The team works with multiple lenders to offer competitive rates and loan options tailored to individual financial situations. Known for personalized service and expertise in navigating the mortgage process, they serve first-time homebuyers through experienced investors.
Corey Petree at Union Home Mortgage is a mortgage lender serving Chattanooga and the surrounding region. As an NMLS-licensed loan officer, Corey specializes in helping borrowers secure financing for home purchases and refinancing. The business focuses on personalized service and working with clients to find loan solutions that fit their financial situation.
Cheryl Owens is a mortgage loan officer serving the Chattanooga area through CMG Home Loans, specializing in personalized financing solutions for homebuyers. She offers a range of mortgage products including conventional loans, FHA loans, VA loans, and refinancing options tailored to individual financial situations. With a focus on customer service and accessibility, Cheryl helps first-time buyers and experienced homeowners navigate the mortgage process with transparent guidance.
The Byram Group at CrossCountry Mortgage is a mortgage lending team serving the Chattanooga area with financing solutions for homebuyers and refinancing clients. Led by experienced mortgage professionals, they offer personalized loan programs including conventional, FHA, VA, and jumbo loans, along with fast pre-approval processes. Their focus on customer service and transparent guidance helps borrowers navigate the lending process with confidence.
Christina Lane is a Senior Mortgage Loan Officer with Movement Mortgage, a national lender specializing in helping homebuyers find the right financing solution. Based in Chattanooga, she offers mortgage pre-approvals, loan options tailored to individual situations, and guidance on home affordability. Movement Mortgage is an Impact Lender committed to community investment, making 50% of profits available to lifting up underserved communities.
JoAnna Otero is a mortgage loan officer with Union Home Mortgage, a established mortgage lender serving the Chattanooga area. She specializes in helping borrowers navigate financing options including conventional loans, FHA loans, VA loans, and refinancing. JoAnna works with first-time homebuyers, experienced investors, and homeowners looking to refinance, offering personalized guidance through the loan process.
Chatt Mortgage simplifies home loan shopping by allowing borrowers to complete a single application and receive rate quotes from multiple lenders, eliminating the need to shop separately with each underwriter. They specialize in both home purchases and refinancing, offering fast pre-approval and access to various loan products at competitive rates. Based in Chattanooga, they emphasize local business relationships and personalized service to help first-time buyers and existing homeowners find the right mortgage solution.
PrimeLending, A PlainsCapital Company, is a home lending specialist in Chattanooga serving first-time homebuyers, experienced buyers, and homeowners seeking refinancing or renovation financing. Led by experienced loan originators including Jennifer Beasley, Patty Becknell, and Shay Robins, they offer purchase loans, refinancing, cash-out refinancing, renovation loans, and VA loans with no down payment options. Their streamlined process emphasizes real-time updates, efficient closings, and personalized guidance from application through closing.
Union Home Mortgage, led by Vickie Phillips, is a local mortgage lender serving the Chattanooga area with personalized financing solutions. They help homebuyers and refinancing customers secure competitive loan products tailored to their financial situations. Vickie Phillips and her team focus on building relationships with clients and providing transparent guidance through the mortgage process.
Scenic City Mortgage Team is a local mortgage brokerage in Chattanooga partnering with LeaderOne Financial to help homebuyers and refinancers secure competitive loan options. The team specializes in conventional, FHA, VA, and jumbo loans, offering personalized guidance through the mortgage process with access to multiple lenders. They're known for responsive service and helping borrowers find the right financing solution for their unique situation.
Addison Cowan is a mortgage loan officer (NMLS 2136449) based in Chattanooga, TN, offering personalized mortgage lending services to homebuyers and refinancers in the area. With a focus on customer service and financial guidance, Addison helps clients navigate loan options, pre-approval processes, and closing procedures. Whether you're a first-time buyer or experienced homeowner, Addison provides expert support to secure the right mortgage for your situation.
iDirect Home Loans is a mortgage lender serving the Cleveland, TN area and surrounding regions. They specialize in helping borrowers secure home financing through personalized loan solutions and expert guidance. With a focus on customer service and competitive rates, they work with various loan programs to match borrowers with the right mortgage products for their financial situation.
Beth Eubanks is a mortgage loan officer serving the Chattanooga area through CMG Home Loans. She specializes in helping clients navigate the mortgage process with personalized service, offering access to multiple loan programs and competitive rates. With a strong track record of customer satisfaction, Beth works with first-time homebuyers, refinancing clients, and those seeking jumbo loans.
The Pritchett Lending Team is a mortgage lending service based in Chattanooga that helps borrowers secure home financing through personalized loan solutions. The team specializes in working with first-time homebuyers, refinancing clients, and borrowers with varying credit profiles to find competitive mortgage options. They provide pre-approval services and guidance throughout the lending process to make homeownership accessible.
Union Home Mortgage's Ooltewah branch helps homebuyers and refinancing clients secure competitive mortgage loans tailored to their financial situation. The team works with borrowers to navigate purchase mortgages, refinancing options, and various loan programs including FHA, VA, and jumbo loans. They're known for fast pre-approval processing and personalized service to first-time buyers and experienced homeowners alike.
Mortgage South is a mortgage lender serving the Chattanooga area with a focus on personalized loan solutions. They offer conventional mortgages, FHA loans, VA loans, and refinancing options tailored to individual borrower needs. With a team of experienced loan officers, they guide clients through the entire mortgage process from pre-approval to closing.
Highlands Residential Mortgage is a local lender serving Chattanooga homebuyers and refinancers with a team of experienced loan officers led by Branch Manager Jessica Upshaw. They specialize in home purchases and refinancing with a variety of loan programs, emphasizing fast closings (typically under 30 days), clear communication, and a low-stress experience supported by a mobile app that handles 97% of the process online.
Dale Whaley is a mortgage loan officer with CMG Home Loans serving the Chattanooga area. He specializes in helping clients navigate the mortgage process with personalized service and competitive loan options. Dale works with first-time buyers, refinancing clients, and those seeking jumbo loans to find the right financing solution for their home purchase or refinance.
The Kevin Blair Team at Element Home Loans is a mortgage lending service led by Kevin Blair, a Top 1% Loan Originator with over 40 years of combined lending experience and 22 years as a top producer. Operating as part of Element Home Loans' Elite Circle, the team has closed over 2,500 mortgages and serves buyers and refinancing clients across Tennessee, Georgia, Alabama, and Florida. They specialize in providing exact fee quotes, sound financial advice, and a technology-enabled application process that combines online convenience with local, personalized service.
Fairway Independent Mortgage Corp. of Chattanooga is a mortgage lending company serving the Chattanooga area with competitive loan options and personalized financing solutions. As an independent mortgage broker, they work with multiple lenders to help homebuyers and refinancers find the right loan product for their situation. Their experienced team focuses on making the mortgage process straightforward and accessible.
HomeRate Mortgage is a Chattanooga-based mortgage broker offering purchase loans, refinancing, VA loans, FHA loans, and reverse mortgages. Led by Ben Phillips and Eric Bradshaw with 20+ years of local experience, they specialize in quick quotes, competitive rates, and fast closings—often within 30 days. They help clients save hundreds monthly and thousands over the life of their loan through their EZ Home Refinance program.
Richard Sailors is a VA home loan specialist at Benchmark Home Loans, helping veterans and active-duty service members secure VA-backed mortgages in Chattanooga and surrounding areas. With a focus on VA loans, he guides borrowers through the entire process, from pre-approval to closing, offering competitive rates and personalized service tailored to military borrowers' unique needs.
Lendspire is a mortgage lending company based in Chattanooga that helps borrowers navigate the home financing process with personalized service. They offer a range of loan products including conventional, FHA, VA, and jumbo loans, along with refinancing options tailored to individual financial situations. The team focuses on providing transparent guidance and competitive rates to make homeownership more accessible.
Brian Currier is a financial advisor serving the Chattanooga area through Movement, offering personalized financial planning and investment management services. With a focus on helping clients build wealth and achieve their financial goals, Brian combines professional expertise with a client-centered approach to create tailored strategies for his community.
First Horizon Bank is a regional financial institution serving Chattanooga and Tennessee with a full range of banking services including personal checking and savings accounts, lending, mortgages, and business banking. With locations throughout the region, First Horizon provides community-focused banking with local decision-making and personalized service to help customers achieve their financial goals.
Casey Bryant Mortgage Team at Benchmark Home Loans is the top-ranked mortgage broker in Chattanooga with a Lantern Score of 85.48/100 and a 5-star rating from 308 reviews. They specialize in serving first-time homebuyers, relocating professionals, and borrowers seeking fast pre-approval across multiple states including Tennessee, Florida, and Georgia.
Several top-ranked Chattanooga mortgage brokers specialize in VA loans, including The J Lending Team at Highlands Residential Mortgage (Lantern Score: 84.98/100), Home Mortgage Solutions LLC (84.84/100), and Richard Sailors at Benchmark Home Loans (79.51/100), who is a dedicated VA home loan specialist serving veterans and active-duty service members.
Chattanooga's top mortgage brokers all serve first-time homebuyers, including The Gabe Whitmer Team at FirstBank Mortgage (Lantern Score: 84.93/100), The J Lending Team at Highlands Residential Mortgage (84.98/100), and Chatt Mortgage (83.04/100), which simplifies shopping by allowing borrowers to receive rate quotes from multiple lenders through a single application.
Home Mortgage Solutions LLC (Lantern Score: 84.84/100) and McGinnis Team at RWM Home Loans (84.36/100) both specialize in working with self-employed and non-traditional borrowers. Home Mortgage Solutions LLC, Bradley County's oldest locally-owned mortgage lender, offers comprehensive financing solutions tailored to non-traditional income situations.
None of the 30 mortgage brokers in Chattanooga's listing data indicate weekend hours, so you'll want to contact your preferred lender directly to discuss flexible scheduling options for consultations.
HomeRate Mortgage has the most customer reviews with 500 reviews and a 4.7-star rating. Led by Ben Phillips and Eric Bradshaw with over 20 years of local experience, they offer purchase loans, refinancing, VA loans, FHA loans, and reverse mortgages with fast approval and competitive rates.