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