Explore mortgage options with Leaderone Financial - The Owen Team

Your premier mortgage lender located in Chattanooga, Tennessee. Our highly experienced loan officers take pride in finding each of our customers the most competitive rate available for their home financing needs.

A happy family moving in to their new home.

Homebuyers

See how much you qualify for in today's market.

Get Started →

Today's Rates

See if the time is right for you to purchase or refinance.

Get Started →

Refinance

We can help you lower your rate or take cash out.

Get Started →

Loan Programs

Learn about different types of home loans.

Get Started →

Your top mortgage questions, answered

Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.

A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.

Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.

While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.

Ask A Question

What our clients are saying

Zillow 5 stars

Tom & Georgette

My husband and I are truly so grateful. You and your team were absolutely amazing. As first‑time homebuyers, we were nervous, but you guided us with such care and made the entire process feel smooth and manageable.

Thank you for your honesty, professionalism, dedication, and hard work. We’re still in awe that everything was handled from start to finish in under 30 days.

We appreciate you all—ten times over—for making this transition such a positive and seamless experience.

Zillow 5 stars

Adam A.

Kelly was phenomenal to deal with and went above and beyond for us to get us a great deal. She kept us informed every step of the way. Great lender and would recommend her to anyone.

Zillow 5 stars

Ryan C.

My wife and I had a wonderful experience working with Kelly Owen in refinancing our home mortgage. Start to finish- she is informative, thorough, and conscious to our financial needs.. making sure that we receive the best deal possible! This is our fourth time working with Kelly on buying and/or refinancing a house, and we would highly recommend her and her company to anyone and everyone.

Zillow 5 stars

Kevin D.

Kelly was happy to help at any time and got everything she could done in a timely manner. I was very pleased with Kelly Owen and I recommend her to anyone looking.

Zillow 5 stars

James D.

Kelly is an amazing person. She answered all my questions about lending and credit with patience and understanding. We are first time buyers and had very little knowledge of the processes of home buying. Kelly walked us through the process with lots of assurance and understanding. We highly recommend Kelly, she definitely went above and beyond to help us!