Your Trusted Home Lender in Cleveland, TN
Serving Tennessee & Georgia with Pride and Integrity
Home Mortgage Solutions LLC (NMLS #168687)
Welcome to Home Mortgage Solutions LLC, the oldest locally-owned mortgage lender in Bradley County. Owned and operated by J Darrell Whitaker, we are committed to providing our clients with transparent, dignified, and value-driven mortgage solutions. With over 80 years of combined lending experience, our team is here to guide you every step of the way.
Why choose Home Mortgage Solutions...
Unmatched Expertise
With over 75 years of combined lending experience, our team offers unparalleled guidance and support through every step of your mortgage process.
Commitment to Transparency
We believe in clear, honest communication, ensuring that you're fully informed and confident in your home financing decisions.
Personalized Solutions
Our comprehensive range of services is tailored to meet your unique needs, whether you're a first-time homebuyer or looking to refinance.
Local Knowledge and Presence
As Bradley County’s oldest locally-owned mortgage lender, we have a deep understanding of the Tennessee and Georgia real estate markets, providing you with insights and advantages in your home buying journey.
Home Mortgage Solutions
Mortgage Services
FHA Loans
Flexible and accessible, FHA loans offer lower down payment requirements, making homeownership possible for more people.
VA Loans
Dedicated to veterans and active military, VA loans provide exceptional benefits, including no down payment and no private mortgage insurance.
USDA Rural Housing Development Loans
Promoting rural homeownership, USDA loans offer zero down payment options for qualifying properties and borrowers.
Conventional Loans
Versatile and popular, conventional loans offer competitive interest rates and varied down payment options for all types of buyers.
Reverse Mortgages
Providing financial flexibility for seniors, reverse mortgages allow homeowners aged 62 and older to convert part of their home equity into cash.
Down Payment Assistance Loans
Making homeownership accessible, down payment assistance programs help cover initial costs for eligible buyers.
Non-qualified Mortgages, ITIN Loans
Catering to unique financial situations, non-qualified and ITIN loans offer mortgage solutions for those who may not meet traditional lending criteria.
Home Buyer Mortgage Questions
Empowering buyers with knowledge, we answer all your mortgage-related questions, ensuring a confident and informed homebuying journey.
Realtor Mortgage Questions
Supporting real estate professionals, we provide expert answers to mortgage questions, enhancing your ability to serve your clients effectively.
We have the home mortgage solution you need:
For homebuyers
Empowering Your Homeownership Journey
Home Mortgage Solutions guides you through the complexities of buying a home, offering personalized mortgage solutions that fit your unique situation and financial goals.
For real estate agents
Strengthening Your Client Relationships
By partnering with HMS, real estate agents can provide their clients with reliable, fast, and transparent mortgage services, enhancing the buying experience and fostering trust.
About us
Learn more about our vision and the experienced team behind Home Mortgage Solutions, LLC. Discover our history, values, and why our community trusts us with their mortgage needs.
What People Say About Us
Home Mortgage Solutions Blog
