The J Lending Team

in Bluff View Art District is a historic neighborhood filled with restaurants, a coffee house, bed & breakfast and much more!

Tonys Pasta Shop is one of our favorite local Italian places to eat!

Rembrandt’s is an amazing coffee shop with great coffee and the best hand made pastries! Fun fact, mine and Joe’s first date was to Rembrandts!

There’s so much to see and do in the Bluff View District!

Do you have questions about your home loan options?

Our team has a combined total of 81 years of experience helping clients comfortably get into their dream home. Reach out to us today!

LISTEN UP!!📢 ‼️

THDA just did another rate drop effective NOW! 📉

🏡Great Choice loan is now 6.375%

🏡 Homeownership for Heroes loan is now 5.875%

Homeownership for Heroes is for Active Duty Military, National Guard, and Veterans, Law Enforcement Officers, EMTs/Paramedics and Firefighters!!

Are you ready to buy your first home? Let’s talk!!

📞 865-712-0352
📧 [email protected]

*This is not a commitment to lend. Not all borrowers will meet the requirements necessary to qualify.

at Enterprise South Nature Park! 🌳

One of my favorite places to go walk or run is at Enterprise South Nature Park! It is situated on 2800 wooded acres and the perfect place to go get some fresh air and get in your steps.

If you’re contemplating buying a home, you may be wondering how much you’ll need in terms of a down payment.

While 20% is ideal for most loan types, it isn’t required. Here are a few examples of loan options with lower down payment requirements.

If you’re ready to move forward with the mortgage process, or would like to further discuss your mortgage options, contact me today!

*This is not a commitment to lend. Not all borrowers will meet the requirements necessary to qualify.

🌟 Story Time! 🌟

A couple came to me for a mortgage loan and they were putting down a substantial down payment. One borrower had a credit score over 800, while the other had a 599. I issued a pre-qualification letter for a conventional loan, and they started their home search! 🏡

However, the husband also applied with another lender, a friend of a friend, who insisted they could never qualify for a conventional loan due to their credit scores, suggesting FHA was their only option. Another lender echoed the same advice: "FHA is your only option."

Understandably, the clients were nervous. They received conflicting information from three different lenders.

But here’s where staying up to date with the guideline changes pays off! Knowing Fannie Mae changed their guideline a few years ago, I explained that when multiple borrowers are involved, their credit scores are averaged to determine eligibility.

After reassuring them, we sent their loan to the underwriter and got their conventional loan approval! They closed on their new home a few weeks ago. 🎉

(Good thing they didn’t listen to those other lenders—it saved them over $19,000 in FHA fees over 11 years! 💰)

The J Lending Team - Guiding you through a better journey!

According to Rocket Mortgage, you can get a great deal if you’re willing to sit tight on buying a home until the end of the summer. The market is full of battle-ready buyers in the early part of the season.

Expect to come in with a strong offer and not just on price. Sellers want to go with a buyer who is serious and can close the deal!

Additional, in most areas, the market slows down a bit as it gets closer to August. Late August traditionally gives you a great opportunity to find deals, because sellers slash prices even further.

Read more here:https://www.rocketmortgage.com/learn/best-time-of-year-to-buy-a-house

at my my local hair salon at AE Hair and Co in Ringgold!

Amy, who is the co-owner, has cut and colored my hair for 9 years. If you are looking for a new hair salon, check them out!!! You won’t regret it.

We are so excited to announce that Stacy Woods has joined our team as a Sr Loan Officer!

With 33 years of mortgage experience, Stacy brings a wealth of knowledge and expertise that will significantly enhance our services. Her dedication and deep understanding of the industry will undoubtedly elevate our overall customer and realtor experience.

Stacy’s addition to The J Lending Team means even better support for our clients, faster and smoother loan processes, and an unwavering commitment to making the dream of homeownership a reality. Her skills and insights will help us continue to be a top choice for lending, ensuring our clients receive the best possible service when buying a home.

On a personal note, Stacy and I have worked together for the past seven years at the same company, and now the timing is perfect for her to join our team. We couldn’t be more excited to have her onboard and look forward to the incredible contributions she will make.

Please join us in welcoming Stacy Woods to The J Lending family, where we guide you through a better journey! ✨ 🏡

Did you know home buyers have the Right to Shop?

It’s true! You have a 15 day grace period to explore other mortgage companies without being penalized. Contact us for more details.

*This is not a commitment to lend. Not all borrowers will meet the requirements to qualify. Rates and terms and subject to change based on market conditions and borrower eligibility.

👏🏻 👏🏻 Some exciting news coming for The J Lending Team next week!!! 😆

at The Tennessee Aquarium or as River calls it,“The fish store!” 🐟🐡

We recommend packing a picnic lunch and a change of clothes for after the aquarium to play in the water outside. It’s a great way to spend a full day in Chattanooga!

Thank you for the review, Stephanie! We love helping our agent partners inform their clients.

We celebrated Joe’s brother, Reggie, as he married Ashleigh yesterday! River was the flower girl and she did such a good job!

Take advantage of the holiday weekend and write a contact so you can be closed by month end!

*This is not a commitment to lend. Not all borrowers will meet the requirements to qualify. Rates and terms and subject to change based on market conditions and borrower eligibility.

Wishing you and your families a wonderful and safe ! 🇺🇸🎇🌭

at our favorite Chattanooga ice cream spot on a hot summer’s day, Clumpies Ice Cream Co.! 🍦

We tried 2 of their summer flavors, Key Lime Pie and Parent Trap and both were delicious. We encourage you to try one of their featured summer flavors before they are gone!

Triple closing days are the best!

Today, we had three first time home buyers close on their new homes. We love entering the weekend with exciting events like today. Congrats to the new homeowners ❤️🏡

Check out these ways to lower your bill this summer!

🌱GO GREEN - Smart technology helps to take the guesswork out of energy management & solar power can help you save hundreds.

🥵THERMOSTAT - Programmable thermostats, especially smart thermostats, will change the temperature while you’re away to minimize the amount of energy used.

🪟WINDOWS- Solar window films can reduce the amount of heat absorbed through the glass up to 70%

No! In fact, we encourage any first-time homebuyer to work with a loan officer to get prequalified FIRST before looking for homes.

You will get a better idea of your purchasing power and have the confidence to make strong offers when you do find your dream home.

Contact us today for more information!

Dentist Edition! 🦷

Dr. Colton Popp is an amazing dentist and takes such good care of River’s teeth! 🪥 Team Popp Dental
Colton Popp

If you are new to the area and/or looking for a new children’s dentist, check out Team Popp Dental.

Do you have a child headed to college this fall?

Providing five main benefits, some parents decide to redirect their financial support from campus housing to investment property purchases.

Here’s why:

1. Potential Tax Reductions: Depending on your circumstances, you might be able to deduct mortgage interest, property taxes, and potentially even expenses related to property management.

2. Building Equity: Over the four or five years your child attends college, the property value could appreciate, offering a return on investment when it comes time to sell.

3. Rental Income Potential: A college town offers a unique rental market. If your child has roommates, you can collect rent, which can help cover the mortgage and other expenses.

4. Stable Housing: You can control the living conditions and maintenance, ensuring a comfortable and secure environment for your student.

5. Long Term Investment: College towns often have a consistent demand for rental properties, providing a steady stream of potential tenants.

We are licensed in FOUR STATES (TN, AL, GA and FL). Call us today with questions!

**This is not a commitment to lend. Not all borrowers will meet the requirements necessary to qualify.

No more guesswork!

At the J Lending Team, we understand this process can be overwhelming and intimidating. That’s why we believe in clear communication from start to finish.

We are here to help answer ALL of your questions at any time to ensure you feel confident and comfortable throughout the entire home buying journey.🏡

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We love at the Playpalz Indoor Playground!

If you are looking for somewhere to have a play date or take your kiddos for a few hours any day of the week, this is one of our favorite places to go.

River and her friend Luke had so much fun!

At the J Lending Team, we focus every day on providing the best home financing experience possible.

With our expertise and support, your homeownership journey will have low stress and clear communication throughout the process.

Having the right lender in your corner makes all the difference!

We’ve been busy this past week!

Six clients went under contract to purchase their dream home, four of which are first time home buyers taking advantage of down payment assistance programs.

You could be next! If you’re ready to buy a home but don’t know where to start, give us a call and we will guide you through the process.

This past week, we celebrated with Bryan and Amy!

“The home search was a long process and Jessica was there for us for over a year, shared Amy. “When we finally found our home, she supported us through the entire financial closing process by providing clear and timely communications.”

We are thrilled Bryan and Amy got their dream home and enjoyed working with our team!

🗣️FHA is making it easier for buyers to get gift funds effective immediately! FHA is removing the requirement to get the donor’s bank statements and the rules are now in line with Fannie Mae & Freddie Mac!

This update is huge for our FHA buyers; making documentation much easier for our buyers getting gift funds! 🏡🎁

The J Lending Team - Guiding you through a better journey

Our team is always listening and learning! 👂✏️💡

Last week, we attended the Chattanooga Mortgage Bankers Association’s appraisal panel discussion where three local appraisers shared new trends in the market and answered our questions!

We took great insights back to our team. Plus, we loved seeing some of our realtors also attend!