Capital Home Mortgage Chattanooga

Chattanooga Home Loans

Home Purchase
Save Today
Have Questions?

Chattanoga Mortgage Lender

Welcome to Capital Home Mortgage Chattanooga, a Chattanooga Mortgage Lender that strives to provide Chattanooga homebuyers and homeowners Chattanooga Home Loans at competitive Chattanooga Mortgages Rates with low fess while ensuring outstanding customer service.

First, we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage Chattanooga offers dedicated points of contact throughout the mortgage process.  This assures a stress-free experience resulting with an on-time closing.  After all, buying a home should be exciting, not stressful.

Capital Home Mortgage Chattanooga is a direct Chattanooga Mortgage Lender that manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, common sense approvals and timely closings.  We have complete control over everything from the application to the funding process.

Call today (615) 549-5666 to talk to one of our Chattanooga Loan Officers.

Chattanooga Real estate Market

Chattanooga has experienced consistent growth in its real estate market in recent years. Factors such as population growth, economic development, and a high quality of life have contributed to increased demand for housing in the area.  Chattanooga offers relatively affordable housing compared to larger cities in Tennessee and neighboring states. This affordability, combined with the city’s amenities and job opportunities, has made it an attractive destination for homebuyers and investors alike.

Chattanooga’s real estate market offers a variety of housing options to suit different preferences and budgets. From historic homes in established neighborhoods to modern condominiums downtown, buyers have a range of choices available to them.

The presence of several universities and a growing number of young professionals has led to a strong rental market in Chattanooga. Rental properties, including apartments, townhouses, and single-family homes, have seen steady demand and rental rates.

Downtown Chattanooga and surrounding neighborhoods have undergone significant revitalization efforts in recent years. The redevelopment of historic buildings, the creation of mixed-use developments, and investments in amenities such as parks and waterfronts have contributed to increased property values and attracted new residents and businesses to the area.

Chattanooga’s proximity to outdoor recreational opportunities, including hiking, biking, and water sports, has been a major draw for residents and visitors alike. Properties with easy access to outdoor amenities have seen increased demand and appreciation.

Chattanooga’s real estate market has attracted interest from investors seeking opportunities for rental income and property appreciation. Both local and out-of-state investors have been active in the market, particularly in areas with strong rental demand and potential for growth.

Like any real estate market, Chattanooga faces challenges such as infrastructure needs, affordable housing shortages in some neighborhoods, and potential impacts from external factors like natural disasters or economic downturns. Addressing these challenges will be important for ensuring the market’s continued growth and stability.

Overall, Chattanooga’s real estate market presents opportunities for buyers, sellers, and investors, with its affordability, diverse housing options, and quality of life amenities driving continued interest and investment in the region.

Chattanooga Home Mortgages

Capital Home Mortgage Chattanooga is a full-service Chattanooga Mortgage Lender that offers a complete line of home loans to meet all Chattanooga Residents lending needs: Chattanooga Purchase Home Loans, Chattanooga Renovation Home Loans, Chattanooga Construction Home Loans, Chattanooga Manufactured Home Loans, Chattanooga Rate and Term Refinance Home Loans and Chattanooga Cash-Out Home Loans.

Chattanooga Purchase Mortgages

Chattanooga Refinance Mortgages

Chattanooga Cash-Out Mortgages

Chattanooga Purchase Mortgages

Chattanooga Home Loans

Capital Home Mortgage Chattanooga is dedicated to offering Chattanooga home buyers a complete line of Chattanooga Home Purchase Home Loans.  We understand that purchasing a a home can be stressful and is one of the biggest decision in most peoples lives.  That is why we provide dedicated contacts to guide buyers through the home buying process while educating them on the different types of home loans.  Our goal is to make the home buying experience quick and easy while helping buyers evaluate and make the best decision on the loan that fits their individual needs.

Chattanooga Refinance Mortgages

Chattanooga REfinance Loans

Chattanooga Rate and Term Refinance Home Loans are a type of refinance in which the borrower replaces the current mortgage with a new mortgage.  The goal of a rate & term refinance is to obtain better loan terms, such as a reduced interest rate thereby lowering the monthly payment and/or a different loan duration to either lower the payments or shorten the mortgage term, which may or may not result in a lower monthly payment.  Additionally, a rate and term refinance can be used to convert from one loan program to another possibly eliminating the need for mortgage insurance.

Chattanooga Cash-Out Mortgages

Chattanooga Cash-Out Loans

Chattanooga Cash-Out Refinance Home Loans differ from rate and term refinances in that they allow homeowners to borrow against the equity in their homes by refinancing their current mortgage for an amount greater than the existing loan balance. The homeowner receives the difference in cash or can use the funds to consolidate date that is paid at closing.  The other main differences is that cash-out refinances have lower loan to value limits than rate and term refinances and can have slightly higher rates.

Chattanooga Construction Mortgages

Chattanooga Renovation Mortgages

Chattanooga manufactured Mortgages

Chattanooga Construction Mortgages

Chattanooga construction loans

Chattanooga One-Time Close Construction Home Loans are distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  A One time close loan also can be combined with other standard mortgage products resulting in much smaller down payments.

Chattanooga Renovation Mortgages

Chattanooga Renovation Loans

Want a new Chattanooga home?  Don’t want to purchase a home from a builder?  Prefer the charm of an older home, or the elegance of a mature neighborhood… Or just want the perfect location close to town?  Making your dream home come true might just be in updating that older home. Capital Home Mortgage Chattanooga offer all types of Chattanooga Renovation Home Loans to make this happen.  To put it simply, we will handle and will walk you through the complexities involved in a construction or rehab loan.  

Chattanooga Manufactured Mortgages

Chattanooga Manufactured Loans

A Chattanooga Manufactured Home is a residential structure built off-site in a factory setting, then transported to its permanent location and placed on a foundation.  Modern manufactured houses can be quite sophisticated in design and can offer amenities similar to site-built homes.  They can be single-wide, double-wide, or even larger, and they’re constructed using materials and techniques that meet stringent quality standards.  Manufactured Homes are built on steel chassis which offer a quicker construction and cost advantages.  Contact us today to learn about Chattanooga Manufactured Home Loans.

Chattanooga Home Purchase Mortgage Loans

Capital Home Mortgage Chattanooga is a full-service Chattanooga Mortgage Lender that offers a complete line of home loans.  Whether you are a first-time purchaser seeking a Chattanooga FHA Home Loan, looking for a rural property and needing a Chattanooga USDA Home Loan, a Native Tennessean wanting to use the HUD 184 Chattanooga Native American Home Loan, an active or retired veteran in need of a Chattanooga VA Home Loan , wanting to purchase that dream home over conforming limits with a Chattanooga Jumbo Home Loan, a seasoned buyer in need of a Chattanooga Conventional Home Loan or looking for alternative financing with a Chattanooga Non QM Home Loan we are here to assist.  Call today (615) 549-5666 to talk to one of our Chattanooga Loan Officers.

Chattanooga FHA Mortgages

Chattanooga VA Mortgages

Chattanooga USDA Mortgages

Chattanooga HUD184 Mortgages

Chattanooga FHA Mortgages

Chattanooga FHA Loans

A Chattanooga Nashville FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.  However, FHA home loans can be used by anyone.  FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Tennessee FHA home loan is consistent employment history and documented income.

Chattanooga VA Mortgages

Chattanooga VA Loans

Chattanooga VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Chattanooga.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Chattanooga USDA Mortgages

Chattanooga USDA Loans

Chattanooga USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Chattanooga HUD 184 Mortgages

Chattanooga Native American Loans

A Chattanooga Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Chattanooga Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Chattanooga Conventional Mortgages

Chattanooga Jumbo Mortgages

Chattanooga Non Qualified Mortgages

Chattanooga conventional Mortgages

Chattanooga Conventional loans

Chattanooga Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Chattanooga jumbo Mortgages

Chattanooga Jumbo Loans

A Chattanooga Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Chattanooga Non QM Mortgages

Chattanooga Non-Qualified Loans

A Chattanooga Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Why Chattanooga HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Chattanooga Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Tennessee Mortgage Programs

Tennessee Purchase loans

Looking to Purchase a Tennessee Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Tennessee Renovation Home Loans

Looking to Rehab a Tennessee Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Tennessee FHA Home loans

Great 1st Time Tennessee Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Tennessee va Home Loans

100% Financing for Tennessee Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Tennessee Conventional Home loans

Flexibility for Tennessee Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Tennessee Jumbo Home Loans

Tennessee Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Tennessee USDA Home loans

100% Tennessee Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Tennessee Native american Home Loans

Tennessee Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Tennessee Manufactured Home loans

Great Tennessee Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Tennessee Reverse Mortgage Loans

Your Tennessee Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Tennessee Non QM Home loans

Making Tennessee Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Tennessee One Time Close Home Loans

Build Your Tennessee Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Tennessee Refinance Mortgage loans

Tennessee Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Tennessee Cashout Mortgage Loans

Tennessee Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Chattanooga Mortgage Team

Sam Klaburner

Sr Loan Officer
NMLS #140132

Rebecca Solomon

Sr Loan Officer
NMLS #156188

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Chattanooga Mortgage Company Reviews

Tennessee Cities

Nashville Home Loans

Memphis Home Loans

Knoxville Home Loans

Chattanooga Home Loans

Clarksville Home Loans

Murfreeboro Home Loans

State Specific Mortgage Information

Accessibility Toolbar