Home Loans With Shelly
Your Trusted Mortgage Partner in Chattanooga, TN
Buying or refinancing a home should feel exciting — not overwhelming. At Home Loans With Shelly, we believe every borrower deserves a clear, confident, and personalized mortgage experience. Based in Chattanooga, TN, Shelly helps individuals, families, and investors find the right loan solution to match their financial goals, property type, and lifestyle.
With access to a wide range of mortgage products — from traditional home loans to creative financing options — Shelly guides each client through the process with transparency and care. Whether you’re a first-time homebuyer, a real estate investor, or a homeowner looking to refinance, you’ll find expert support every step of the way.
Your Local Mortgage Resource in Chattanooga
Shelly takes the stress out of home financing by simplifying complex mortgage options into clear, manageable steps. Every borrower’s situation is different, and that’s why Home Loans With Shelly offers a variety of programs designed to serve different financial needs, credit profiles, and homeownership goals.

Below is a complete look at the loan programs and services available.
Traditional Loan Products
For buyers seeking tried-and-true financing, traditional loan programs include Conventional, FHA, USDA, and VA loans. These programs cover a range of borrower needs — from low down payment options for first-time buyers to competitive rates for qualified homeowners. Shelly helps clients compare each loan type, explaining the advantages and requirements so they can make informed, confident decisions.
First-Time Homebuyer Programs
Shelly is passionate about helping new buyers achieve homeownership through flexible, affordable programs. Options include THDA, Georgia Dream, UHM Grant Program, and low down payment Conventional, FHA, VA, and USDA loans. With credit flexibility (including FHA/VA loans starting at a 500 credit score), these programs make it possible for more families to buy their first home confidently.
Manufactured Home Loans
Shelly offers financing for single-wide and double-wide manufactured homes, available through Conventional, FHA, USDA, and VA loan programs. These options help make homeownership affordable for buyers seeking quality manufactured housing in Chattanooga and surrounding areas. Every detail — from foundation verification to documentation — is handled with care and precision.
Renovation Loans
With Renovation Loan programs like Conventional, FHA 203(k), and USDA Renovation loans, homebuyers can finance both the purchase and improvement of a property under one mortgage. Whether updating a kitchen, adding a room, or restoring a fixer-upper, Shelly helps clients plan and fund projects that turn any house into a dream home.
Jumbo Loans
Dreaming of building a custom home? Shelly provides financing for new construction projects and land purchases, with options through Conventional, FHA, USDA, and VA programs. Buyers can finance land with or without immediate construction, giving them flexibility to plan and build on their timeline. Shelly ensures a seamless experience from blueprint to move-in.
New Construction & Land Loans
Dreaming of building a custom home? Shelly provides financing for new construction projects and land purchases, with options through Conventional, FHA, USDA, and VA programs. Buyers can finance land with or without immediate construction, giving them flexibility to plan and build on their timeline. Shelly ensures a seamless experience from blueprint to move-in.
Non-QM & In-House Portfolio Products
For borrowers with non-traditional income or unique property goals, Shelly provides Non-QM and In-House Portfolio Loans. Options include DSCR investor loans, bank statement loans, ITIN programs, asset utilization, and bridge loans. These customized products are perfect for self-employed borrowers, investors, or those purchasing distinctive properties that don’t fit conventional guidelines.
Rate & Payment Options
Shelly offers personalized rate and payment structures, including fixed-rate, adjustable-rate (ARM), and temporary buydown programs to make early payments more manageable. Whether you value long-term stability or short-term flexibility, Shelly helps you select the mortgage terms that fit your financial comfort and future plans.
Your Local Mortgage Resource in Chattanooga
At Home Loans With Shelly, the focus is always on education, trust, and long-term partnership. Shelly takes the time to explain every option clearly, so you’ll never feel lost in the lending process. From pre-approval through closing, her approach combines professionalism with personal attention — ensuring a stress-free experience that leads to real financial confidence.
Shelly’s commitment extends beyond approvals and paperwork. She builds relationships with each client, offering continued support for refinancing, investment planning, or future home purchases. It’s this level of care that has earned her a reputation as one of Chattanooga’s most reliable and approachable mortgage professionals.
Why Choose Home Loans With Shelly
Local Expertise
Deep knowledge of the Chattanooga housing market and regional loan programs.
Tailored Solutions
Every loan recommendation is based on your financial goals and lifestyle.
Transparent Communication
No surprises — every term and cost is explained upfront.
Comprehensive Options
From conventional to creative loan types, everything you need under one roof.
With Shelly, you’ll never face the home loan process alone. She believes the best mortgage experience comes from trust, education, and personalized service — not pressure or confusion.
Start Your Homeownership Journey Today
Ready to explore your options? Whether you’re buying your first home, investing in real estate, or refinancing your current mortgage, Home Loans With Shelly is here to guide you.
Shelly combines professional expertise with friendly, one-on-one support to help Chattanooga buyers secure the best financing possible — on their terms and timeline.
Call today, request a consultation, or start your online pre-qualification to take the first step toward your next home with confidence.