Home Mortgage Solutions

Home Mortgage Solutions Home Mortgage Solutions has more than seventy years of combined experience in the mortgage field.
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As a local company, we are able to focus on our customer’s needs and getting the best loan for your individual situation!

Don't Let Doubt Keep You From HomeownershipMany people assume buying a home is out of reach, especially when it comes to...
06/23/2026

Don't Let Doubt Keep You From Homeownership

Many people assume buying a home is out of reach, especially when it comes to saving for a down payment. The truth is, there may be programs available that can help make homeownership more accessible than you think.

Home Mortgage Solutions offers the Empowered DPA program, which provides a forgivable 3.5% down payment for eligible FHA loans with no repayment and no second lien. Eligible borrowers may include first-time homebuyers, government employees, medical professionals, retirees, and qualifying volunteers.

If you've been putting off your dream of homeownership, now may be the perfect time to explore your options.

Learn more at https://www.hmsloan.com/team

06/18/2026

Think these mortgage myths are keeping you from buying a home? Let’s clear them up.

Myth #1: You need 20% down to buy a home.
Truth: Many buyers qualify with much less and some programs even offer 100% financing.

Myth #2: You can’t qualify with average credit.
Truth: There are loan options designed for a wide range of credit situations.

Myth #3: You can’t buy a home if you’re self-employed.
Truth: Self-employed buyers absolutely can qualify. You just need the right lender who knows how to structure your loan.

At Home Mortgage Solutions, we’re here to make the process simple, clear, and personal so you can stop guessing and start planning.

Ready to see what’s possible? Call us at (423) 339-8086 or start here: https://www.hmsloan.com/team

Equal Housing Lender. NMLS #168687.

Before You Start House Hunting, Do These 5 Things FirstThe most successful homebuyers usually have one thing in common: ...
06/17/2026

Before You Start House Hunting, Do These 5 Things First

The most successful homebuyers usually have one thing in common: they prepare before they start shopping.

✔️ Secure Pre-Approval
✔️ Know Your Budget
✔️ Understand Market Trends
✔️ Work with Experts
✔️ Plan for the Future

Getting pre-approved is one of the most important steps because it helps you understand what you can afford and shows sellers you're a serious buyer.

Home Mortgage Solutions is here to guide you through the process and help you move forward with confidence.

Ready to explore your homeownership possibilities?

Visit https://www.hmsloan.com/team

06/11/2026

Mortgage terms don’t have to feel like a different language. Here are 3 you’ll hear a LOT and what they actually mean in real life 👇

1) Pre-Approval
This is your “shopping-ready” step. It’s where your lender reviews key info so you can house hunt with confidence because sellers take a pre-approved buyer more seriously than someone who’s just browsing.

2) Interest Rate vs. APR
Your interest rate is the headline number tied to your loan.
Your APR is the “true-cost” number because it factors in certain fees and costs over time. Two quotes can have the same rate but different APR so comparing APR helps you see which option is really cheaper.

3) Escrow
Escrow is the part of your payment that sets aside money for property taxes + homeowners insurance (and sometimes other items). It’s why your monthly payment can change year to year, even if your interest rate doesn’t, when taxes or insurance adjust.

Want us to break down your numbers in plain English (payment, cash to close, and what each term means for your budget)?
Apply Now: https://www.hmsloan.com/team or call (423) 339-8086.

Equal Housing Lender. NMLS #168687.

Your Credit Score Matters More Than You ThinkWhen it comes to buying a home, your credit score plays an important role i...
06/09/2026

Your Credit Score Matters More Than You Think

When it comes to buying a home, your credit score plays an important role in the loan options available to you. A stronger credit profile can help you qualify for better interest rates and loan terms, making homeownership more affordable over time.

If your credit needs improvement, don't be discouraged. Understanding where you stand and taking steps to strengthen your credit can open the door to more opportunities in the future.

At Home Mortgage Solutions, we're here to help you navigate the home loan process with confidence and clarity.

Learn more at https://www.hmsloan.com/team

Your Homeownership Journey Starts HereUnderstanding home loans does not have to be complicated. At Home Mortgage Solutio...
06/08/2026

Your Homeownership Journey Starts Here

Understanding home loans does not have to be complicated. At Home Mortgage Solutions, we believe in making the mortgage process easier by providing expert guidance and solutions designed around your unique financial situation.

From answering your questions to helping you explore loan options and assistance programs, our team is committed to helping you move forward with confidence.

Ready to explore your homeownership possibilities?

Visit https://www.hmsloan.com/team to learn how we can help guide you home.

06/04/2026

Owning a home isn’t just a monthly payment, it’s independence! When you want to paint the walls, plant the garden, and make the space yours, you can! It’s security in knowing your family has a place to land (and grow). And it’s long-term value, building something that lasts beyond this season of life. 🏡

If you’re ready to turn “someday” into a real plan, we’ll help you connect the dots from your goals, without the confusion. We’re Bradley County’s oldest locally owned mortgage lender, serving Tennessee & Georgia. We're here to help!

Apply Now: https://www.hmsloan.com/team or call (423) 339-8086.

Equal Housing Lender. NMLS #168687.

More Than a Mortgage. A Partner You Can Trust.Buying a home is one of the biggest financial decisions you'll ever make, ...
06/02/2026

More Than a Mortgage. A Partner You Can Trust.

Buying a home is one of the biggest financial decisions you'll ever make, and having the right lender by your side can make all the difference. At Home Mortgage Solutions, we believe our role goes beyond providing loans. We are here to offer guidance, answer questions, and help you navigate every step of the homebuying process with confidence.

From exploring loan options to closing day, our team is committed to helping you find the solution that fits your goals.

Discover the Home Mortgage Solutions difference at https://www.hmsloan.com/team

Open the Door to New PossibilitiesThe path to homeownership does not have to feel out of reach. With Home Mortgage Solut...
06/01/2026

Open the Door to New Possibilities

The path to homeownership does not have to feel out of reach. With Home Mortgage Solutions' Empowered Down Payment Assistance program, eligible first-time buyers, government employees, medical professionals, and volunteers may have access to resources that make buying a home easier.

Your dream of homeownership could be closer than you realize.

Learn more and see if you qualify at https://www.hmsloan.com/team

A strong financial future starts with preparation.Building an emergency fund is not only smart financial planning, it ca...
05/30/2026

A strong financial future starts with preparation.

Building an emergency fund is not only smart financial planning, it can also help prepare you for successful homeownership. Having savings set aside for unexpected expenses gives you greater confidence and stability as you move toward buying a home.

At Home Mortgage Solutions, we are here to help you prepare for every step of the journey, including exploring down payment assistance opportunities that may help make homeownership more accessible.

Learn more today at https://www.hmsloan.com/team

Address

31 Mouse Creek Road NW
Cleveland, TN
37312

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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