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Brent Rainey

Brent Rainey

Loan Officer

413 Spears Avenue, Suite 201, Chattanooga, TN 37405
Own what matters
Own what matters

About Me

With over three years of dedicated experience in the dynamic realm of the Mortgage Industry, I am proud to have facilitated the closure of over $13+ million in loans for my clients. As a Residential Mortgage Loan Officer, I am committed to providing personalized guidance and tailored solutions to meet the unique financial needs of each individual and family I serve. With a passion for excellence and a drive for customer satisfaction, I strive to make the home financing process as smooth and stress-free as possible. Let me navigate the complexities of mortgage lending for you, ensuring you step confidently towards your dream home.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
Tony
Jun 13, 2024
Verified

Working with Brent was a phenomenal experience! I could ask for better on. He understood my needs and was attentive in meeting them. I highly recommend this gentleman who know his business and how to treat people.
Kelsey
Jun 11, 2024
Verified

For years, I’ve always said my ultimate goal was to be a homeowner. I’ve had multiple lenders give me a no with no game plan or follow ups! Brent took the time to go through my profile and gave me the advice on what I needed to do and how to get it done. He helps you in every way possible to obtain your goal of homeownership! He’s there for every question and concern you may have. The process can be as easy as 1,2,3 or it can be as hard as a rock but with his guidance we got it done! He fought through every obstacle we encountered! He wore so many different hats during this time, lender, realtor rep, confidant, and many more! If you are looking for someone who gets the job done and willing to work just as hard as you are then he is your guy!!! Thank you for all you’ve done for me and my children!! We are forever grateful!
Everett
Jun 11, 2024
Verified

My experience with the home buying process was and roller coaster with a lot of unknown and unforeseen variables. However working with Brent Rainey made the process worth while, Brent’s ability to overcome any obstacle and pivot on a dime allowed for me and my family to buy our first home. Brent’s is very good at what he does and I believe if we didn’t get the chance to work with Brent we wouldn’t be where we are now. He never gives up on his clients, always behind the seems making it happen. Thanks

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Awards

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NMLS ID #2044474
I am authorized to do business in the states of Alabama, Georgia and Tennessee.