Best Mortgage Brokers in Chattanooga

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Last updated: September 23, 2022

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Agave Home Loans

3230 East Broadway Road Suite B-220, Phoenix, AZ 85040

Multi-Family Loans

Agave Home Loans is a brokerage catering to the Chattanooga area. It helps customers find and compare mortgage programs, including fixed-rate loans with 8- to 30-year terms, VA, FHA, and non-QM loans, and refinancing options from a variety of lenders. The mortgage specialists at Agave focus on providing thorough education and communicating clear expectations to inform clients' decisions throughout the loan process. Marshall Gottlieb and Doug Wang, the co-owners, have backgrounds in hospitality, finance, and business communications.

Bank of England Mortgage

6116 Shallowford Road, Chattanooga, TN 37421

Refinance

Bank of England Mortgage opened its Chattanooga office to the public in 2018. The company offers mortgage financing for primary homes in the Chattanooga area and finances investment properties and vacation homes in East Tennessee and North Georgia. The team of loan officers can help borrowers acquire conventional, FHA, VA, USDA, and jumbo loans. More than that, clients can also apply for renovation loans for all types of properties and bond loans for primary residences.

Blake Pelton

4159 Ringgold Road, Chattanooga, TN 37412

Refinance

Blake Pelton is a Lendspire mortgage broker who renders his services to the residents in the Chattanooga metro area. He assists clients planning to purchase a new home by assessing their situation and offering them suitable mortgage options. The mortgage broker also aids borrowers who plan to refinance their homes or cash out their properties. Blake helps first-time homebuyers, second-time homebuyers, and investment buyers. Lendspire is a locally-owned and locally-operated mortgage company that serves Tennessee.

Casey Bryant

1129 Baldwin Street, Chattanooga, TN 37403

Refinance

Casey Bryant is a mortgage consultant with Benchmark Home Loans. He is based in Chattanooga and is licensed in both Tennessee and Georgia. He works closely with new home buyers to obtain loans that help them in achieving their dream homes. He also looks into clients' home equity to determine if they qualify for a cashout that they can use to purchase a new home or refinance any existing mortgage loans. Casey specializes in assisting veterans to access VA home loan options for a home purchase or renovation projects.

Element Funding

5617 Tennessee 153, Hixson, TN 37343

Refinance

Element Funding is a company that offers a wide assortment of mortgage loan options for prospective homebuyers in and around Chattanooga. It has a conventional loan option, which provides flexibility in down payment. The company also offers jumbo loans, which help property buyers get higher loan limits for their home purchases. Other loan programs the company offers include federally insured, veteran, and government-insured loans. Element Funding's home loan originators have decades of combined experience in the industry.

HomeRate Mortgage - Chattanooga

411 Spears Avenue, Chattanooga, TN 37405

New Construction
Refinance

HomeRate Mortgage is a mortgage brokerage that serves clients in Chattanooga. The company offers a wide range of loan options for homebuyers and homeowners, including conventional loans, jumbo loans, reverse mortgages, FHA loans, cash-out refinance, and streamline refinance. It also assists in requesting loan estimates from various loan providers and assessing fees associated with mortgage loans. HomeRate Mortgage has more than 20 years of experience serving the area. The loan specialists from this company can speak Spanish.

Jeff Woodburn

6413 Lee Highway, Chattanooga, TN 37421

Refinance

Jeff Woodburn is a broker with Integrity Mortgage Group that serves Chattanooga and the neighboring cities in Tennessee. He offers a wide variety of loan products, including conventional, jumbo, FHA/VA, and USDA rural development mortgages. Clients can consult with him to determine a loan program that would suit their needs according to a variety of factors such as payment certainty, equity buildup, and anticipated term of occupancy. Jeff Woodburn can also assist with refinancing to shorten his clients' mortgages or lower their existing interest rates.

Mortgage South

6576 East Brainerd Road, Chattanooga, TN 37421

Reverse Mortgages

Mortgage South assists Chattanooga residents with converting their home equity to cash. Its mortgage specialists work with homeowners aged 62 and older, helping them evaluate whether reverse mortgages fit their situations and guiding them through the qualification and application processes. Nathan Guerrero, the company's president, has been providing reverse mortgage assistance to homeowners since 2005. As a loan officer, he has originated loans with the largest industry lenders. In addition, he consults with elder law attorneys and financial planners about clients' retirement plans.

Movement Mortgage

7213 Noah Reid Road, Chattanooga, TN 37421

Refinance
Commercial Loans
Multi-Family Loans

Movement Mortgage is a mortgage bank in Chattanooga established in 2008. Sherri Boland, Loan Officer, and her team can give their clients a walk-through in the process of home buying, movement, and building or renovating their homes. The loan products offered are conventional, renovation refinances, USDA, and new construction loans. The company has more than 650 locations across 50 states, including Florida, Alabama, and Georgia. Inc. Magazine recognized it as the fastest-growing mortgage bank in the United States.

Patty Becknell

1200 Premier Drive, Chattanooga, TN 37421

New Construction
Refinance

Patty Becknell is a loan originator serving the Chattanooga area. She assists clients in processing loans for home purchases and refinancing. Patty offers FHA, VA, and jumbo loans as well as adjustable-rate mortgages. She also provides renovation loans, refinancing options, and relocation programs. Her previous clients have lauded her for her prompt response to queries and continuous guidance throughout the entire loan process. Patty works at PrimeLending, a national mortgage lender that has been in the industry for over three decades.

Platinum Financial Funding

6111 Shallowford Road, Chattanooga, TN 37421

New Construction

Platinum Financial Funding is a residential mortgage lending company based in Chattanooga. It provides the community with multiple home loan options, including FHA, VA, USDA, jumbo, adjustable-rate, and fixed-rate mortgages. In addition, its team of loans officers also offers mortgage solutions for first-time homebuyers and individuals with minimal credit scores through Home Possible and HomeReady programs. A division of Member First Mortgage LLC, Platinum Financial Funding has been serving families in the area since 2008.

Rick Wamsley

118 Lee Parkway Drive, Chattanooga, TN 37421

Home Purchase
Refinance

Rick Wamsley is a Southwest Funding loan originator and branch manager that helps clients in Chattanooga and the surrounding areas with their mortgage needs. For clients buying a home for the first time or in need of refinancing for an existing mortgage, Rick provides guidance throughout the application to the closing process. He offers loan programs like conventional, FHA, jumbo, and VA loans, as well as reverse mortgages. Southwest Funding has handled 50,000 loan closings.

Shain Davis

101a East Patton Street, LaFayette, GA 30728

Refinance

Shain Davis is a mortgage banker at the Atlantic Bay Mortgage Group. She entered the mortgage and banking industry in 1993. Davis helps diverse clientele and has extensive experience in helping members of the military, first-time homebuyers, luxury homebuyers, and borrowers purchasing rural properties. She guides and advises her clients from the start of the loan process until its closing. Atlantic Bay Mortgage Group has provided loan products and customer service for over 24 years.

VA Home Loans Chattanooga TN - VA Mortgage Tennessee - VA Refinance Loans

201 West Main Street, Chattanooga, TN 37408

Refinance
Commercial Loans
Multi-Family Loans

VA Home Loans Chattanooga TN - VA Mortgage Tennessee - VA Refinance Loans is a mortgage company that provides solutions to the financing needs of communities surrounding the Chattanooga area. It offers veteran home loans, VA home mortgage, VA home improvement financing, and VA mortgage refinancing services that come with adjustable interest rates. It assists clients in setting their goals and guides them through the process. The company also simplifies loan rates modifications and offers a cash-out refinance option.

Vickie Phillips

1290 Premier Drive, Chattanooga, TN 37421

New Construction
Refinance

Vickie Phillips is a mortgage broker serving Chattanooga for over 24 years. She helps individuals and families simplify the mortgage process and procures tailored programs that suit their unique needs and goals. With the use of advanced mortgaging systems and access to a wide selection of loan products, she provides customized loan options that match each client. She has been awarded a top producer for several years and is an active member of the Chattanooga Association of Realtors and the Chattanooga Mortgage Banker's Association.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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