6085 Arbury Way Ste. 201, Ooltewah, Tennessee 37363 (Conveniently located in Cambridge Square)
Shelly Winston: (423) 902-8237
NMLS ID: 1139177, STATE LIC#: GA - 43542 TN - 117480 FL - LO83469 AL - 85757
With several home loans to choose from, it's not always easy finding the right loan program for you. At Union Home Mortgage Shelly Winston, our team provides expert guidance and advice for every borrower.
As one of the most common loan types, conventional loans are an excellent option for borrowers with steady employment history and higher credit scores. While not insured or backed by government agencies like Veterans Affairs (VA) or the Federal Housing Administration (FHA), these loans often come with lower interest rates. Talk with our team today to see if a conventional home loan is right for you.
Are you looking for a low down payment? Our HomeOne℠ loan options provide first-time homeowners with fewer restrictions for buying a home. With only a 3% down payment and a wider range of allowed property types, borrowers can purchase a home without worrying about income or geographic requirements.
Transform your home with help from our HomeStyle® Renovation Loan options. These loan programs from Fannie Mae help borrowers finance home improvement projects on new and current homes. Whether you’re renovating your home office, remodeling your kitchen, or fixing costly repairs, we can make it possible with HomeStyle®.
Borrowers with limited household incomes can turn to the HomeReady™ loan program to help buy or refinance their homes. This Fannie Mae loan option offers low down payments, allows family and friend cosigners, and includes several property types. No matter your situation, we’ll work to find a home loan program that will set you on the path to homeownership.
Since this loan option has fewer requirements, it’s a good option for first-time homebuyers looking for a home loan. Borrowers may qualify for low down payments and choose between fixed-rate and adjustable mortgages. Caliber Home Loans - Shelly Winston will work closely with you to determine which option is right for your unique needs.
If your dream home requires some fixing-up to make it perfect for you and your family, our consultants will work with you to see if an FHA 203k Home Loan is best for you. These loan programs can make rehabbing your current or new home possible. We offer Limited and Standard programs to help our clients secure a rehab and renovation loan. Whether you’re doing minor upgrades in your kitchen or overhauling your living room, we’ll help you find the funds you need to get it done.
Current FHA mortgage holders can refinance their homes through our FHA Streamline Refinance loan program. These loans provide borrowers with several options for refinancing, including ways to save money by lowering interest rates, reducing loan terms, and even decreasing monthly out-of-pocket costs.
Our team proudly offers comprehensive VA Home Loans for military veterans, service members, and select widowed military spouses. Some benefits of these loan programs include little-to-no down payments, adjustable-rate mortgages, and more. Contact our team or click to learn more about our VA home loan options.
Union Home Mortgage - Shelly Winston supports our veterans, military service members, and their spouses and families by providing VA Streamline Refinance, or Interest Rate Reduction Refinance Loans (IRRRL). These loan options help our clients take the hassle out of refinancing current VA mortgages. Our dedicated team will make the refinancing process as easy as possible, reducing stress and saving you money.
Rural and suburban homebuyers can turn to our team for help securing USDA Home Loans. These government-assisted programs are a great alternative for borrowers who may not qualify for other loan programs. Contact our team to see if your home is eligible for this program.
Conventional
FHA
USDA
Manufactured Homes
VA coming soon
Need more information? Call us at (423) 902-8237 to speak with one of our experts.
Useful Links
Contact Information
Address: 6085 Arbury Way Ste. 201, Ooltewah, Tennessee 37363 (Conveniently located in Cambridge Square)
Shelly Winston, Loan Officer:
Phone: (423) 902-8237
Email: swinston@uhm.com
Anna McPeak, LOA:
Phone: (423) 902-0659
Email: amcpeak@uhm.com
Fax: (423) 551-6081