★★★★★
Tonya Wilcher
Jennifer was great. She explained everything step by step. She was very patient with me when I couldn't decide. Her knowledge help me find my dream home. She's on call all day to assist you with anything.
How we walk a first time home buyer through the purchase
That attention only works in the right order. We start with money, move to houses, and finish with contracts.
| Stage | What we handle | What you decide |
|---|---|---|
| Orientation | True monthly cost, fees, cash needed to close | Your price and timeline |
| Search | Live IDX at search.soldbychoicehomes.com, new listings daily | Which homes to tour |
| Touring | Roof, grading, foundation, systems on every property | Cosmetic vs. structural |
| Offer | Earnest money, contingencies, negotiation | Terms you sign |
| Closing | Inspection, appraisal, lender deadlines, walkthrough | Keys |
Before the first tour, we read listing history together. A house sitting 90 days often has room to negotiate. One listed three days ago at a fair price tends to go fast.
Chattanooga factors that catch first time buyers off guard
Listing history tells you about one property. Local conditions shape what your money buys anywhere in Chattanooga. We flag the ones that apply to your search before you tour.
- Down payment help: Chattanooga Neighborhood Enterprise offers lending and down payment assistance.
- Older houses: unpermitted additions and finished basements show up often in city properties.
- Loan type: VA, FHA, and conventional loans set different appraisal and repair rules.
- Geography: the same budget buys very different homes in the city, Ooltewah, or Signal Mountain.
- Buyer fees: ask any agent, including us, to put buyer representation fees in writing.
Financing carries similar weight. Getting fully underwritten instead of pre-qualified is worth the week. An underwritten buyer reads close to cash when a seller compares offers.
Homes for sale in Chattanooga
View all Chattanooga homesWhat you gain and what you give up with our team
Underwriting strengthens your position. The first time home buyer agent you hire decides how that position gets used. Buyers pick us for local Chattanooga knowledge over a national playbook, for one team covering eight counties, and for agents willing to say wait. A high-volume brokerage may suit you better if speed matters most. We will not rush you, and we will call a home a bad buy even when you love it.
Some buyers bring a contractor friend to the second showing. We read condition, a builder reads the repair price.
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Featured reviews
Showing 2 of 675 reviews. Rating and total above cover all reviews.
★★★★★
KendallKukta
Absolutely wonderful to work with! She showed the house beautifully, explained everything clearly, and made the experience stress-free and enjoyable. I'm so grateful for her help and would highly recommend her!
Who we work with
Most people we meet are renters ready to buy, couples buying a first home, or families relocating to Chattanooga. These questions tend to separate agents quickly.
| Question | A good answer |
|---|---|
| First time buyers closed in 12 months? | A specific number |
| Days from offer to closing? | 30 to 45, with reasons |
| Who answers when my agent is out? | A named teammate |
Our Chattanooga agents
First Time Home Buyer Agent · Chattanooga
First Time Home Buyer Agent · Chattanooga
First Time Home Buyer Agent · Chattanooga
First Time Home Buyer Agent · Chattanooga
First Time Home Buyer Agent · Chattanooga
First Time Home Buyer Agent · Chattanooga
Areas we serve
Start with a buyer consultation
Ask us those questions. Browse listings at search.soldbychoicehomes.com, then book a no-obligation buyer consultation with Choice Homes. Nothing signed, nothing owed.