This is Ben Phillips and Eric Bradshaw with HomeRate Mortgage in Chattanooga TN. New Name, New Number, same Great Service! Call us today to find out, "How much you can SAVE!" or fill out our easy "3-Step Quote" above. Our team of mortgage experts has been saving people money for years.
The question is, "How much will we Save You?" We have saved clients hundreds even thousands of dollars off their monthly payments and hundreds of thousands of dollars over the life of their mortgage with our EZ Home Refinance program.Mortgage Rates are at 50 year historical lows, but they won't stay this low forever!
The question is, "How much will we Save You?" We have saved clients hundreds even thousands of dollars off their monthly payments and hundreds of thousands of dollars over the life of their mortgage with our EZ Home Refinance program.Mortgage Rates are at 50 year historical lows, but they won't stay this low forever!
Services
About Us
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HomeRate Mortgage of Tennessee saves local home owners money. Ben Phillips is the voice of HomeRate Mortgage and he helps Eric Bradshaw manage the success of hundreds of clients mortgage closings. When it comes to getting the lowest rate and the quickest mortgage approval you have to depend on the best mortgage professionals.
Purchase
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Before you go looking for a home, you should see if you are financially able to get a mortgage and get an estimate of what you pre-qualify for from a lender. If you are working with a real estate agent, getting pre-qualified lets them know you are a knowledgeable and serious buyer. The first step toward finding the right home is to quickly compute your purchasing power and determine how much you can afford to pay each month.
Mortgage Calculator
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Pay less interest over the life of your loan and find out how low your loan payment can be. Take advantage of our amazing client service, and see how much you can save. When it comes to buying a house, it seems pretty simple, you just need to know how much it is listed for, and how much your budget is.
Conventional Loans
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Conventional loans are the most basic type of mortgage loan. Unlike other types of mortgages, such as USDA, FHA, and VA, conventional loans are not guaranteed by a third party entity. Therefore, the loan has more stringent eligibility requirements.
However, if you meet those eligibility guidelines, you can benefit from the advantages of potentially eliminating your private mortgage insurance payment, which lowers your monthly payment and saves you thousands over the life of your loan.
However, if you meet those eligibility guidelines, you can benefit from the advantages of potentially eliminating your private mortgage insurance payment, which lowers your monthly payment and saves you thousands over the life of your loan.
FHA Loans
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The Federal Housing Administration (FHA) protects the lender from loss in the case of a default on the loan. This insurance allows us to offer low interest rates and eligibility requirements for FHA loans. This makes FHA loans the easiest type of mortgage to qualify for and for some the cheapest monthly premium.
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