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    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

Mortgage Calculators
We have put together some calculators to help you make sense of the numbers. They are all easy and fun to use. If you would like to get a free quote with no cost and no obligation, please fill out our application. If you have a question, don't hesitate to call us at (423) 805-9100.

Standard Calculator

Calculate monthly payments of how much your home will cost you with this calculator.

How Much House Can I Afford Calculator

By using a simple formula you can get an idea of how much house you can afford.

Amortization Calculator

See the principal balance change as payments are made. This will show you how much you will owe on your house in "X" amount of years. Also, see how much of your payment is being applied to the principal and how much is being applied to the interest. Most of your payment in the beginning of the loan pays the interest of the loan. Use the Bi-Weekly calculator to see how much you can save by making mortgage payments every 2 weeks as opposed to every month. You will be surprised at what a difference this can make.

Interest Only Calculator

An Interest only mortgage calculator calculator helps the home buyer calculate his monthly payments on this type of loan.

Refinance Calculator

This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. This calculator will calculate the monthly payment, net interest savings, and the time it will break even on the closing costs.

Bi-Weekly Calculator

Use this calculator to see how much money you can save on your mortgage by making payments every 2 weeks instead every month. You can also shorten the term of the loan by using this process. We have put together many calculators and tools to help you make sense of the numbers. They are all easy and fun to use.

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
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