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HomeRate Mortgage Elite Mortgage Masterminds 🏠 🧠
Here to make your financial needs more manageable. 👌
We save people money 💰🚀 💰🚀 every day. Locally operated in Chattanooga.

TJC Mortgage, Inc. DBA HomeRate Mortgage NMLS ID #2239 Buying a house is a big step and can be overwhelming. The last thing you need to add to your plate is worrying if you’re getting the best deal with your mortgage broker. Here at HomeRate Mortgage, we believe the best business practice is also the one that benefits our customers the most. When you’re happy, we’re happy. If you’re new to mortgages or have had one before, it is important to know that policies, requirements, and conditions are always changing. We work with you, and your individual situation, to see what the best option is and what you qualify for. Our team of experts is always up to date, and current on any changes made in the loan process and will quickly be able to work with you towards getting your loan approved.

Most homeowners are sitting on a tool that can erase their debt — and they have no idea.The average American carries sig...
10/25/2026

Most homeowners are sitting on a tool that can erase their debt — and they have no idea.

The average American carries significant credit card debt at 24 percent interest. Every month, that debt grows. Every month, minimum payments barely touch the principal.

Here is what most people do not know: If you own a home with equity, you can use a cash-out refinance or HELOC to consolidate that high-interest debt at a rate of 7 to 8 percent. That is a fraction of what credit cards charge. One strategic move can cut your monthly debt payments in half — and free you from high-interest debt within 12 months.

At Home Rate Mortgage, we help Chattanooga homeowners turn their equity into a real debt-elimination plan.

What is your current biggest debt concern? Share it below and I will tell you whether your home can help. 🏠



Eric Bradshaw · Home Rate Mortgage · Chattanooga, TN
homeratemortgage.com

Three lenders turned her away. We said yes.She came to Home Rate Mortgage in Chattanooga with a 572 credit score and thr...
10/22/2026

Three lenders turned her away. We said yes.

She came to Home Rate Mortgage in Chattanooga with a 572 credit score and three rejection letters. Most loan officers would have sent her home.

We built a plan. Worked on her credit over 90 days. Found her the right loan program. Six months after she first walked in, she stood in front of her new home with keys in her hand.

Every buyer who has ever been told no has a path forward. It just takes the right team, the right plan, and someone willing to take the time.

If you have been turned down before, or think your situation is too complicated — I want to hear it. Drop it in the comments or send me a message. Let us figure it out together. 🏠



Eric Bradshaw · Home Rate Mortgage · Chattanooga, TN
homeratemortgage.com

Everyone is moving to Tennessee — and Chattanooga is at the center of it.Home values in Chattanooga rose 6 percent this ...
10/20/2026

Everyone is moving to Tennessee — and Chattanooga is at the center of it.

Home values in Chattanooga rose 6 percent this year. The average home goes under contract in 18 days. This is one of the fastest-moving real estate markets in the entire South right now.

For buyers, that means two things: opportunity and urgency. The buyers who acted last year are already building equity. The buyers still waiting are paying more for the same homes every month they hesitate.

At Home Rate Mortgage, we give every buyer in Chattanooga a full local market analysis before they make any decision — so they know exactly what they are walking into.

Where are you in your home buying journey right now? Share in the comments — I read every one. 🏠



Eric Bradshaw · Home Rate Mortgage · Chattanooga, TN
homeratemortgage.com

Waiting for rates to drop before you buy sounds smart. The numbers say otherwise.Home prices in Chattanooga rose 4 to 6 ...
10/18/2026

Waiting for rates to drop before you buy sounds smart. The numbers say otherwise.

Home prices in Chattanooga rose 4 to 6 percent last year. If you wait 12 months for rates to fall half a percent, but the home price goes up $20,000 — you lost money. The math simply does not work in the buyer's favor when you sit on the sidelines.

The strategy that actually works: Buy now at today's price. Lock in a fixed rate. When rates fall — and they will — refinance and lower your payment. You win both ways.

At Home Rate Mortgage, we run this exact analysis for every buyer in Chattanooga so they can make a confident, data-based decision.

What is your current rate concern? Drop it in the comments and I will break it down with real numbers. 📊



Eric Bradshaw · Home Rate Mortgage · Chattanooga, TN
homeratemortgage.com

Stop waiting until you have 20 percent saved. That rule was never true for most buyers — and it is costing you years of ...
10/15/2026

Stop waiting until you have 20 percent saved. That rule was never true for most buyers — and it is costing you years of equity.

Down payment assistance programs exist right now in Tennessee. Qualifying buyers can receive up to $15,000 in grant money toward their purchase. With the right loan and grant combination, you can own your first home for as little as $7,500 out of pocket.

At Home Rate Mortgage, we have helped hundreds of buyers in Chattanooga find money they did not know existed — and close on homes they thought were years away.

How much do you currently have saved for a down payment? Drop it in the comments and I will tell you what you can buy right now. 🏠



Eric Bradshaw · Home Rate Mortgage · Chattanooga, TN
homeratemortgage.com

Most buyers give up before they ever start. A low credit score or small savings account should not be the reason you kee...
10/13/2026

Most buyers give up before they ever start. A low credit score or small savings account should not be the reason you keep renting.

FHA loans allow credit scores as low as 580. Down payment assistance programs in Tennessee can cover thousands in closing costs. And most lenders can tell you exactly what you qualify for in under 24 hours.

At Home Rate Mortgage, we walk first-time buyers in Chattanooga through the pre-approval process step by step. No confusion. No pressure. Just a clear path to your keys in 30 days.

What is the one thing holding you back from getting pre-approved? Drop it below and I will address it directly. 🏠



Eric Bradshaw · Home Rate Mortgage · Chattanooga, TN
homeratemortgage.com

Your home value went up again this year. And most homeowners have no idea how much wealthier they just became.Home value...
10/11/2026

Your home value went up again this year. And most homeowners have no idea how much wealthier they just became.

Home values in Tennessee rose over 6 percent in the past year. That growth goes directly into your equity. It compounds every year you stay. And it is completely tax-free until you access it.

At Home Rate Mortgage, we help homeowners in Chattanooga and across Tennessee understand exactly what their equity is worth — and how to put it to work through a cash-out refinance, HELOC, or smart refinance strategy.

How long have you owned your home? Drop the year in the comments and I will estimate how much equity you may have built. 🏠



Eric Bradshaw · Home Rate Mortgage · Chattanooga, TN
homeratemortgage.com

Renting feels safe. But it is the most expensive financial decision most families ever make.The truth is, most first-tim...
10/08/2026

Renting feels safe. But it is the most expensive financial decision most families ever make.

The truth is, most first-time buyers can own a home for as little as 3 percent down. And in Tennessee, down payment assistance programs can cover up to $10,000 of that cost. Most buyers never ask. Most never know.

Every year you rent, you pay someone else's mortgage. You build zero equity. You watch home prices go up while your ability to buy gets harder.

At Home Rate Mortgage, we have helped hundreds of first-time buyers in Chattanooga and across Tennessee get into their first home faster than they ever thought possible.

What is stopping you from buying your first home? Drop it in the comments and I will answer it. 🏠



Eric Bradshaw · Home Rate Mortgage · Chattanooga, TN
homeratemortgage.com

10/06/2026

Big myth: Wait for rates to drop before you buy. ❌

Here's the truth:
✅ Rates drop? Refi later.
✅ Home prices keep going up.
✅ Rent builds zero wealth.

Every month you wait costs you money.

DM me "RATES" and let's talk. 🏡

Address

7506 East Brainerd Road
Chattanooga, TN
37421

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Monday 7:30am - 8pm
Tuesday 7:30am - 8pm
Wednesday 7:30am - 8pm
Thursday 7:30am - 8pm
Friday 7:30am - 7:30pm

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