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Directory of reverse mortgage specialists in Chattanooga, Tennessee. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Chattanooga, TN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Tennessee before hiring.
Showing 20 reverse mortgage specialists in Chattanooga, TN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
HomeRate Mortgage
7506 E Brainerd Rd, Chattanooga, TN 37421
4238059100
Casey Bryant Mortgage Team #NMLS 1670270 — Benchmark Home Loans
1937 Dayton Blvd, Chattanooga, TN 37415
4235658830
Highlands Residential Mortgage
6576 E Brainerd Rd a, Chattanooga, TN 37421
4236240448
Christina Lane
1830 Washington St, Chattanooga, TN 37408
4236184867
The J Lending Team – Highlands Residential Mortgage
6576 E Brainerd Rd, Chattanooga, TN 37421
8657120352
The Gabe Whitmer Team, FirstBank Mortgage, NMLS# 1427791
201 W Main St #105, Chattanooga, TN 37408
4233082207
Chatt Mortgage
6650 E Brainerd Rd Suite 208, Chattanooga, TN 37421
4235919801
PrimeLending, A PlainsCapital Company - Chattanooga
1200 Premier Dr #220, Chattanooga, TN 37421
4234143390
McGinnis Team - Mortgage Lender - RWM Home Loans
300 Ashland Terrace, Chattanooga, TN 37415
4238005232
Union Home Mortgage Vickie Phillips
13 W Kent St Suite 101, Chattanooga, TN 37402
4233208208
Mortgage Investors Group
6221 Shallowford Rd #104, Chattanooga, TN 37421
4238992887
Cheryl Owens
1813 Market St, Chattanooga, TN 37408
4235049962
The Byram Group at CrossCountry Mortgage
36 E Main St #102, Chattanooga, TN 37408
4237084108
Fairway Independent Mortgage Corp. of Chattanooga
1800 Rossville Ave #108, Chattanooga, TN 37408
4237085285
Mortgage South
6576 E Brainerd Rd, Chattanooga, TN 37421
4236243878
Richard Sailors VA Home Loan Officer NMLS #1164163 Benchmark Home Loans
1937 Dayton Blvd, Chattanooga, TN 37415
4239918004
Scenic City Mortgage Team with LeaderOne Financial
1208 Pointe Centre Dr Suite 208, Chattanooga, TN 37421
4237049399
Addison Cowan, NMLS 2136449
6221 Shallowford Rd #104, Chattanooga, TN 37421
4238992887
Beth Eubanks
1813 Market St, Chattanooga, TN 37408
4235988990
Dale Whaley - CMG Home Loans
1813 Market St, Chattanooga, TN 37408
4235932501
A reverse mortgage specialist in Chattanooga helps homeowners aged 62 and older convert home equity into cash without monthly payments. Tennessee law requires borrowers to complete HUD-approved counseling before obtaining a Federal Housing Administration insured Home Equity Conversion Mortgage. Chattanooga specialists guide clients through this process and explain how property taxes and insurance must remain current.
What Does a Reverse Mortgage Specialist in Chattanooga Cost?
Typical costs for a reverse mortgage in Tennessee include an origination fee up to 2 percent of the home value a mortgage insurance premium of 2 percent of the appraised value and third party fees like appraisal title and recording costs totaling 1000 to 3000 dollars. These costs are usually financed into the loan rather than paid upfront. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a reverse mortgage specialist in Chattanooga do?
A specialist explains how a reverse mortgage works helps you apply and coordinates with a HUD approved counselor. They also review your home value and existing mortgage balance to determine eligibility.
Do I need to own my home free and clear in Chattanooga?
No you can have an existing mortgage but the reverse mortgage proceeds must pay off that loan first. Any remaining equity is available to you as a lump sum line of credit or monthly payments.
Are reverse mortgages regulated differently in Tennessee?
Yes Tennessee requires that the borrower receive counseling from a HUD approved agency before applying. The state also mandates specific disclosures about loan terms and costs.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Tennessee.