Special Incentives

Special Incentives on Your New Home


We make the homebuying process easier — and more rewarding. With our Preferred Lending Partners, you’ll get:

  • ✅ A smoother, faster pre-approval process
  • ✅ Exclusive incentives and lender credits (up to $5,000)
  • ✅ Local service from a builder you can trust

Start by getting pre-qualified and learn how much home you can afford — with no guesswork and no stress.

The Byram Group

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A Mortgage Experience Made for You


CrossCountry Mortgage (CCM) is the nation’s number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America’s fastest-growing private businesses and has received many awards for our standout culture.


We offer more than 120 mortgage, refinance and home equity solutions – ranging from conventional and jumbo mortgages to government-insured programs from FHA and programs for Veterans and rural homebuyers – and we are a direct lender and approved seller and servicer by Freddie Mac, Fannie Mae and Ginnie Mae. Through our dedication to getting it done, we make every mortgage feel like a win. (NMLS 3029)

Nate Byram

At The Byram Group, Nate Byram is our Senior Vice President of Lending. Reach him and his team at:


36 E Main St Suite 102

Chattanooga, TN 37408

NMLS# 1289761

Phone: (423) 708-4108


Start the pre-qualification process online for your mortgage. Use Guarantee Rate's online loan application tool by clicking the button below.

Online Loan Application
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FirstBank Mortgage

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Putting Down Roots With Growing Peace of Mind


Home buying is an emotional decision, especially when it comes to how you feel about your bank. Whether you’re buying a starter home or starting to think about downsizing, FirstBank will make sure you have the loan that feels right. Our service always makes working with us feel like a relationship.


By providing in-house underwriting, funding, and closing, you can keep that relationship through the loan process. Our refinancing, renovation, and investment property loan options can make you feel good about the advantages of your biggest personal investment.

Gabe Whitmer photo

At FirstBank Mortgage, you can work specifically with the Gabe Whitmer Mortgage Team. Reach the team directly at:


201 W. Main Street, Suite 105

Chattanooga, TN 37408

NMLS# 1427791

Phone: (423) 308-2007, Mobile Phone: (423) 584-5155


You can get pre-approved with our online loan application. Click on the button below to get started!

Online Loan Application
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