Capital Home Mortgage Tennessee

Chattanooga Home Loans

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Chattanooga Mortgage Lender

Home Loans In Chattanooga

Aptly nicknamed the “Scenic City,” Chattanooga is well known for its natural beauty and outdoor recreation. Besides its scenic views, Chattanooga is known for its affordable cost of living, which is around 16% below the national average. 

Are you thinking of getting a home in the Scenic City? Capital Home Mortgage Chattanooga can help you get the perfect home loan for your needs. We are a full-service, direct mortgage lender, meaning we make the decisions in the home loan process from application to funding. 

Here’s what you can expect when working with us for your home financing. 

Benefits Of Working With A Direct Mortgage Lender 

   1. Find The Best Loan for You

With the variety of home loan products in the market, choosing the best one for your needs can be confusing. 

Our team will assess your financial capacity and recommend the best loan product for you. We’ll consider your income, debts, credit score, and how much down payment you can afford to find the perfect fit.

   2. Get Expert Advice

Navigating the real estate market can be tricky and most definitely time-consuming, especially if it’s your first time. Having a trusted mortgage lender in your corner will help you cut through the noise by providing expert advice on what to focus on. 

   3. Competitive Interest Rates

Because we control the home loan process, we can offer some of the most competitive interest rates compared to mortgage brokers and related vendors in the city. 

No middleman or unnecessary third-party in the process means we can provide our professional services at lower fees and even at zero fees. We don’t charge an application fee, credit report, or underwriting fees. 

   4. Save Time & Money

Getting a home loan can be complicated and perhaps even frustrating. We can help you save time and money by doing some of the legwork for you. 

We can also provide assistance post-closing. Perhaps you have questions about your loan or need an overview of real estate opportunities in other parts of Tennessee; we’re here for you.

Chattanooga Mortgage Lender

Owning a property is already stressful and time-consuming, but with the proper guidance from your trusted Chattanooga mortgage lender, it can be a seamless, hassle-free experience. 

We offer a wide variety of home loan programs, including FHA, VA, Conventional, Jumbo, USDA, and even reverse mortgages. Whether this is your first or seventh time buying a home, you can count on the Capital Home Mortgage Chattanooga team to deliver excellent customer service from start to finish. 

Find Your Next Chattanooga Home Loan

Ready to get started on obtaining your home loan in Chattanooga? Capital Home Mortgage is here to assist you every step of the way. Our expert loan officers are standing by to discuss your home buying plans and provide you with a no-obligation quote. 

Please call us at (615) 549-5666 to get started. From all of us at Capital Home Mortgage, thank you for visiting our page, and we look forward to providing your next Chattanooga home loan.

Why Chattanooga is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Chattanooga Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Chattanooga Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Chattanooga Mortgage Rates

Capital Home Mortgage Tennessee is dedicated to offering great Tennessee Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Capital Home Mortgage Chattanooga Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Conor Hayhurst

Managing Director
NMLS 743506

Nick Underwood

Loan Officer
NMLS 264147

Kelvin Thompson

Loan Officer
NMLS 2050042

Chattanooga, Tennessee Mortgage Programs

Chattanooga Home Purchase

Buying a Chattanooga Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

Chattanooga Renovation Home Loans

Chattanooga Renovation Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Chattanooga FHA Home Loans

1st Time Chattanooga Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Chattanooga VA Home Loans

100% Loans for Chattanooga Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Chattanooga Conventional Home Loans

Flexibility for Chattanooga Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Chattanooga Jumbo Home Loans

Great Chattanooga Rates

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Chattanooga USDA Home Loans

Chattanooga Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

Chattanooga Native American Loans

Chattanooga Native American Loans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Chattanooga Manufactured Home Loans

Chattanooga Manufactured Homes

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Chattanooga Reverse Mortgages

Your Chattanooga Home at Work!

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

Chattanooga Cash-Out Refinance

Chattanooga Cash-Out Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Chattanooga Mortgage Refinance

Chattanooga Rate & Term Refinance

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

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