Chattanooga 423-805-9100
Knoxville 865-805-9100
  • Home

    Welcome to HomeRate Mortgage

    Browse around our site and you will find everything you need, including helpful information, calculators and more.
    Also, don't forget to use the form within the banner to see how much lower our rates are than the big banks.
  • Apply Now

      Complete Application

      We suggest filling out this application only if your loan consultant has instructed you to do so.

      Download Application

      You can download the application material now and mail or fax it to us. This is a full application that can be printed as opposed to the online application that can be filled out on a browser.
  • Purchase
      Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Take this opportunity to learn more about home buying and the mortgage process.

  • Refinance
      Why pay more than you have to? Don't miss out on super low rates.
      Changing the terms of your loan can benefit you and maximize your monthly income

  • Tools & Info
    Use the form within the banner on the home page to see how much lower our rates are than the big banks. Then fill out our application to see if you qualify. If you have any questions, just click Contact Us or call us at (423) 805-9100.
  • About Us

      Who We Are

      Meet the Staff


      HomeRate Mortgage helps people get better rates than the big banks and offers better customer service during the process.
  • Contact Us
Get a QUICK Quote!
Including Closing Costs

Home Mortgage Loans in TN, GA, & AL

Home Rate Mortgage in Chattanooga TN is now doing business as HomeRate Mortgage as of 12/1/2014. Our Team, Location, and number are the same! Call us today at 423-805-9100 to find out, “How much you can SAVE!” or fill out our easy “3-Step Quote” above. You can visit our new website at

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!  Don't procrastinate, call one of our Mortgage Specialists for a “Free – No Cost or Obligation Quote today!”

Low Mortgage Rates also means Increased Purchasing Power!  You can buy more house for your money than ever before! Chattanooga has many apartments that charge $1000+ a month to rent.  Why throw away that kind of money on Rent when you can Own?  Check out our mortgage calculators and see for yourself. 

For Example:  A $250,000 new home loan at 4.25% for 30 yrs only has a principle and interest payment of $1,229.85! However, if rates returned back to 6% the same 250,000 new home loan for 30 yrs would have a principle and interest payment of $1,498.88

Loan Amount, Rate, Term

Principle and Interest Payment

Total Re-payback

$250,000, 4.25%, 30yrs fixed



$250,000, 6%, 30yrs fixed



Compare the Difference >>>

$269.03 Higher Payment

$96,850.80 More to Repay

Ensure that your family has the best home loan today!  It only takes 10 minutes with a Home Rate Mortgage Rep to get your Free Quote 423-805-9100. Our 20+ years of local experience and knowledge means you can trust Home Rate Mortgage because our team has proven they can get your new home loan Approved!.

You Talk. We Listen.

Home Rate Mortgage Inc
7506 East Brainerd Rd
Chattanooga TN 37421

Purchase a Home
Are you looking to purchase a home? Use the form within the banner above to see how much lower our rates are than the big banks. Then fill out our application to see if you qualify.
Rate Watch
If the rate you desire isn't available, RateWatch can notify you when it is. Just click the link and fill in the rate you are looking for. If the rates ever becomes available, you will be notified.
Are you looking to refinance? Use the form within the banner above to see how much lower our rates are than the big banks. Then fill out our application to see if you qualify.
Tools & Calculators
We have put together some helpful information including several calculators to help you make sense of the numbers. We also suggest you use the banner above to see how low our rates and closing costs are!
We pride ourselves in providing the best mortgage loans to the areas we serve. If you want to leave feedback or review feedback & testimonials please CLICK HERE. We expect you to see satisfied mortgage clients that agree that the Ben Phillips Mortgage Team provides mortgage loans faster, better, & cheaper than our competiton!

Home Rate Mortgage Inc
50 Positive Review(s)