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!

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

05/28/2026

Buying a home is a big decision so your lender shouldn’t feel like a mystery.
Here are 4 green flags that usually mean you’re in good hands

1) Multiple Loan Options
A solid lender can explain why one route fits you best (FHA, VA, USDA, Conventional, DPA, and more) without forcing a one-size-fits-all answer. Because the right fit can change your monthly payment and your cash to close.

2) Responsive Communication
If they’re hard to reach before you’re under contract, it won’t get easier after. Green flag = quick updates, clear timelines, and someone who actually answers questions without making you feel rushed.

3) Transparent Terms
Not just “the rate.” You want the full picture: APR + fees + closing costs + what’s included IN WRITING so you can compare apples to apples and avoid last-minute surprises.

4) Local Reputation
Local track record matters. A team that closes loans in your market knows the rhythm of the process and your realtor, appraisers, and timelines aren’t just names on a screen.

Want us to help you run a side-by-side comparison and see what’s truly best for your budget?
Apply Now: https://www.hmsloan.com/team or call (423) 339-8086.

Equal Housing Lender. NMLS #168687.

Honoring the Heroes Who Fought for FreedomToday, we pause to remember and honor the brave men and women who gave their l...
05/25/2026

Honoring the Heroes Who Fought for Freedom

Today, we pause to remember and honor the brave men and women who gave their lives in service to our country. Their sacrifice made the freedoms and opportunities we enjoy every day possible.

From all of us at Home Mortgage Solutions, we extend our deepest gratitude to our fallen heroes and the military families who continue to carry their legacy forward.

We remember. We honor. We are grateful.

05/21/2026

Shop the true cost, not just the headline. That means comparing APR + fees + service so you know what you’re actually paying (and who you’re actually working with) from application to closing day.

If you’re buying or refinancing and want a side by side breakdown, we’ll run the numbers and explain what matters with no fluff, no surprises. We’re Bradley County’s oldest locally owned mortgage lender, serving Tennessee & Georgia.

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

Equal Housing Lender. NMLS #168687.

What If Your Down Payment Was No Longer the BarrierWith the Empowered Down Payment Assistance program, Home Mortgage Sol...
05/20/2026

What If Your Down Payment Was No Longer the Barrier

With the Empowered Down Payment Assistance program, Home Mortgage Solutions helps make homeownership more accessible. Qualified buyers may receive assistance that removes one of the biggest obstacles to purchasing a home.

If you are a first-time buyer, government or medical professional, or an active volunteer, you may be eligible.

Take the next step toward your dream home.
Visit https://www.hmsloan.com/team to learn more today.

Your Dream Home Starts With One Step ForwardThe homeownership journey begins with belief and the right support. With a t...
05/19/2026

Your Dream Home Starts With One Step Forward

The homeownership journey begins with belief and the right support. With a trusted partner by your side, each step becomes clearer, more manageable, and closer to your goal.

At Home Mortgage Solutions, we are here to guide you from where you are to where you want to be.

Start your journey today at https://www.hmsloan.com/team

05/15/2026

Your monthly payment isn’t one fixed thing, it’s a makeover waiting to happen

Here are 3 levers that can move it:
DOWN = increasing down payment lowers what you borrow.
CREDIT = negotiating a seller credit can help with cash-to-close or lower early payments through a temporary buydown.
TERM = choosing the right term balances monthly comfort with long-term interest.

Which one would help you most right now: DOWN, CREDIT, or TERM? Comment your pick and we’ll tell you what usually works best for that goal.

Want the real numbers for your situation (monthly + cash to close) in plain English? We’re Bradley County’s oldest locally owned mortgage lender, serving Tennessee & Georgia.

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

Equal Housing Lender. NMLS #168687.

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

Website

https://johnbischof.zipforhome.com/LoanApplication/Contact?IsStart=Y

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