Mortgage FAQs for Chattanooga Homebuyers:

Yes — that’s the best time to talk. You don’t need perfect credit or a house picked out. We’ll meet you where you are, look at your goals, and build a simple game plan for next steps — whether you’re buying soon or just getting prepared.

Only if and when you’re ready. The first call is just a conversation. If you have a general idea of your score and situation, we can usually talk through likely options without pulling anything.

Great question — and “what you’re approved for” isn’t always the same as what feels comfortable month-to-month. We can find your max approval, but we usually work backwards: you tell us the monthly payment that fits your budget, and we help you find a smart price range.

If we’re working toward a full pre-approval, these are the most helpful:

• Most recent 30 days of pay stubs

• Last 2 years of W-2s (or tax returns if self-employed)

• Most recent bank statement(s)

Don’t stress if you don’t have everything on day one — we can gather it as we go.

Pre-approval can often happen the same day you apply if we have your basic income and asset documents. Once you’re under contract, most purchases take about 30 days to close (sometimes faster, depending on the file and contract timelines).

A mortgage credit pull may have a small, temporary impact, but it’s usually minor compared to things like late payments or high credit card balances. When you’re ready, we’ll explain exactly what to expect before we pull anything.

Yes. Multiple mortgage inquiries in a short window are typically treated as one for scoring purposes. If you want to shop, we’ll help you do it the smart way.

Big rule: keep things stable. Don’t open new credit, co-sign for anyone, or make large purchases without asking us first — even “0% for 12 months” furniture deals can create problems. If you’re considering a job change, ask us before you make the move.

With many online lenders, you’re working through a call center and the “sales” and “operations” sides don’t always stay in sync — which can mean delays and mixed messages. We’re a locally operated team, and you’ll have direct access to us throughout the process. Many of our clients prefer to text, and we’re good with that.

Nothing. Your consultation is free. The first out-of-pocket cost typically comes later — for example, an appraisal fee if your loan requires one.

No — we also help with refinances, HELOCs, and other mortgage options. And because Union Home Mortgage services many loans, you’re not just getting a lender for closing day — you’re getting a team you can call long after closing.