Think You Can’t Afford a Home? Think Again: Advice for First-Time Buyers
In this episode of Let’s Talk Chattanooga Real Estate, host Blake Watson of Epique Realty talks with Bruce Dodd of ChattMortgage to break down what first-time homebuyers really need to know. From affordable down payment options to how gift money from family can help you buy a home, Bruce shares practical insights and demystifies the process.
They discuss the strengths of Tennessee’s THDA programs, how they compare with Georgia’s offerings, and what credit score you actually need to qualify.
The conversation also emphasizes why working with a local lender—not a faceless national provider—can be the difference between a smooth closing and a failed deal.
If you’ve been renting and wondering whether homeownership is within reach, this episode is your invitation to take a closer look. The information you gain today could save you money and open the door to building real wealth through real estate.
Key Topics Covered
What first-time buyers need to know about down payments
Tennessee and Georgia down payment assistance programs
How gift money from family can be used safely in a mortgage
Minimum credit score requirements for loan programs
The long-term wealth-building advantage of owning real estate
Why working with a local lender offers more reliability and accountability
Steps you can take today—even if you’re not ready to buy right now
Guest Info: Bruce Dodd
Bruce Dodd is a mortgage advisor at ChattMortgage in Chattanooga, Tennessee. He works with buyers across the region to help them navigate home financing with clarity and confidence. Bruce is known for taking the stress out of the loan process and for his deep knowledge of local and national programs.
Phone: (423) 591-9801
Website: chattmortgage.com
Host Contact Info: Blake Watson
Blake Watson is a licensed real estate agent with Epique Realty in Tennessee and Georgia.
Mobile Phone: (423) 315-1815
Website: www.athomechattanooga.com
Facebook and LinkedIn : Blake Watson
Instagram: @rocknrollBlake
If you're thinking about buying your first home or wondering how to stop renting, the best next step is to talk to someone local. Reach out to Bruce Dodd or a trusted lender near you to explore your options—there’s no pressure, just useful information.
And if you found this episode helpful, be sure to follow the podcast and share it with someone who might benefit from the conversation.
Epique Realty office (888) 893-3537