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December 2023 by Jimmy Brown
One of the best experiences working with Home Rate Mortgage on East Brainerd Rd location. They helped me out more than I ever could imagine with a refinance deal! Isaiah Tate treated me first class. Whenever I had questions or needed help on decisions, I couldn’t ask for a better person than Jeanette Jolly! Always dependable and on top of her work getting the job done. I can’t Thank this group enough!
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November 2023 by Barry Arp
Called a month ago talked to Ben,I knew it was a long shot but called anyways told him my story he said he would look at it, I never got a call till I called back a week later they said he wanted more info so I gave it and she said he would call back and now 3 +/-weeks later I call back again and he gets a message to call and when he did he told me what I thought but my problem is he wasn't friendly like the previous time when he was looking at making a sale and no return call to let me know ,his excuse was it was marked inwas called back
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June 2023 by Ray Matthew Gravley
Have been hearing Ben Phillips' Home Rate Mortgage ads on J103 in Chattanooga for years, and I had an unexpected need of them this year. I figured they had stood the test of time advertising on a radio station that values honesty and integrity so I gave them a call. I haven't been disappointed. Isaiah Tate took my account and explained things up front and locked me into a refi about as good as I could expect in this economy, and Jeanette Jolley was my loan processor, and I'm very glad for that. An unexpected refi in this economy is scary but Jeanette made it efficient and also friendly and genuine. And I thank her so much for that.
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April 2023 by William Austin
Ben and his team are amazing. Special shoutout to Sam for stinking with it and making it happen. Many obstacles to overcome never excepting no for an answer. I’m a veteran and would recommend Homerate Mortgage every time.
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March 2023 by Josh Crabtree
Working with Samantha and Austen was really great! Sam really made my first home buying process tremendous, and I really appreciated all the support! I would definitely recommend using them and HomeRate Mortgage!?
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March 2023 by Missi Hurt
I cannot recommend if you want a speedy or easy process, our adventure started Dec 12 after all kinds of paperwork, contracts, and promises, today , 3 mths later, way more behind in payments then were, now which is now gonna even facing foreclosure, ... Our credit sucks way more than it did (700-500)which is now gonna hurt our potential of going another route we,are out 750.00for appraisel, still owe about 5000.00 for deck repair that had to be done before hand... we have full time jobs, a home that appraised for 200,000 more than what we owe, .... No we were not in great financial shape at all but that was the reason for investing in this process... i am at a loss , i have no idea where to turn now....
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March 2023 by Bobby Wilson
Absolutely a great experience. From my loan officer Isaiah Tate to my processer Jeanette Jolly. Couldn't ask to be treated or taken care any better.
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December 2022 by Christine Lawson
I gave them one star because it is not possible to give negative stars. Dealing with HomeRate Mortgage has been nothing but horrible, frustrating, and a waste of my time. They can't seem to get their papers in order in a timely fashion, they appear to lack the ability to communicate effectively with the appraiser they use, they don't communicate with their customers about problems with closing dates or how the file is progressing, and they caused me to waste days of my time while they endeavored to get their things together. After we appeared to be closed, I just heard today (from the closing agent and not from HomeRate Mortgage themselves - because they appear to lack the ability to communicate with customers) that they think they need to close again, despite me having a signed note. I have bought and sold multiple house and I have never experienced anything like my fiasco with HomeRate Mortgage. These people lack competence and any respect for their customers or their customers.
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October 2022 by Steve Trewhitt
I had first heard of Home Rate Mortgage on a radio broadcast and also learned of a few friends that had used them. When I first contacted home rate more than I spoke with Jordan and he walked us through the process very efficiently. He answered all our questions made everything very smooth, the communication was nothing less than excellent, and the rest of his staff we dealt with including Rachel was just phenomenal. Of all the financial transactions I have dealt with in my life this by far was the most enjoyable and painless. I would not even think of recommending anyone else
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October 2022 by Michael Fraebel
I recently refinanced my home with HomeRate and went from a 30 year to a 15 year mortgage and only increased my payment by $200. Isaiah was outstanding throughout the entire process and I fully recommend him to anyone. I always look to support local small businesses especially when my service and experience are so great. I other day I got a glimpse at why HomeRate is so awesome. I was at my daughter's field trip at McKenie Arena when another Dad sat next to me and we started chatting. Turns out it was Ben Phillips. He was very down to earth, incredible positive and very energetic. He is truly passionate about his business and the people he helps. If you are looking to save money and have a great experience then go see Ben and Isaiah at HomeRate!
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September 2022 by Jordan Coley
Been Trying to close on a house that we brought to them months ago, missed the 2nd closing date, lack of communication, details, options. Definitely, a frustrating time, I believed US101 commercial so decided to give them a chance. But I just want to close on this house and move on with our life. I wish they would reach out and tell us what to do so everything is lined up so there are no more Missed closing dates . We found the house did all the paperwork and brought the deal to them . I would think this would be an easier closing ??????????????????????
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September 2022 by Kelly Bomar
I've worked with Ashley on deals, and she has taken on clients to help get their credit where it needs to be for approval. She will work tirelessly to get to the closing table, and her clients have had nothing but good things to say about working with her!
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September 2022 by Joey Hanson
Great experience with Home Rate Mortgage, especially Ashley Brookman! I was a first time home buyer and she helped me every step of the way. Ashley was timely, responsive, polite, and professional. She even referred me to a great realtor who found the house I wanted. I’m very happy with my experience!
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September 2022 by Arthur Abline
Could not have been more pleased with the service your company provided. From dealing mainly with Lindsay Peker through the whole process. She kept me informed where we were going with the interest rates jumping all over the place. She kept on top of that flucation and when they went below 6 percent she locked everything in. Her professionalism in this matter was very reassuring do the fact I was moving her from NJ and not bought a house in 34 years. I would like to acknowledge Jessica Bellamy as I also dealt with her when Lindsay was on vacation. The same applies to her for her outstanding professionlism and having this be a very pleasant experience. I would definitely recommend your company for anyone looking for a mortgage company when buying or refinancing a home.
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July 2022 by Jonas Rubright
To say that Scott, Jeanette and the team are amazing would be selling them short!! They were perfect to work with and answered any questions I had along the way. The fact they are helping me save $400/month makes it even better!! I can't thank you all, and HomeRate Mortgage, as a whole, enough! Transparency, ease, professionalism, and care from minute one!