Episode 70

Land Loans, Barndominiums, Construction Loans and More: We Break It Down with TVFCU

In this episode of Let's Talk Chattanooga Real Estate, host Blake Watson sits down with Andy Woodman, Director of Mortgage Lending, and Cynthia Blackwell, Mortgage Marketing Specialist from Tennessee Valley Federal Credit Union (TVFCU), to explore unique lending opportunities available in the Chattanooga and North Georgia region.

From land loans and construction to perm financing, to low down payment mortgage options and creative pathways to credit union membership, Andy and Cynthia break down how TVFCU is reshaping the real estate lending landscape—offering flexible solutions and local decision-making.

If you are a land buyer, builder, or you dream of a custom built home, barndominium, or manufactured home, this episode is packed with insider knowledge, practical advice, and insight for buying your next property.

Host: Blake Watson, Realtor with Epic Realty

Guests:

Andy Woodman, Director of Mortgage Lending, TVFCU

Cynthia Blackwell, Mortgage Marketing Specialist, TVFCU

What You Will Learn:

How TVFCU became a top real estate lender across 17 counties

How land loans at up to 95 percent loan-to-value work, even on large acreage

An overview of construction-perm loans with one-time closing

Flexible mortgage options, including 100 percent financing for qualified members

How out-of-state buyers can become TVFCU members

Advantages of borrowing through a federally chartered credit union

Resources and Contact Information:

Tennessee Valley Federal Credit Union

Website: www.tvfcu.com

Phone: 423-634-3600

Service area: 17 counties in Southeast Tennessee and Northwest Georgia

Blake Watson, Host and Realtor

Phone: 423-315-1815

Licensed in Tennessee and Georgia

Facebook and LinkedIn: Blake Watson

Instagram: @rocknrollblake

Website: athomechattanooga.com

Epique Realty

Office 888-893-3537

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About the Podcast

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Let's Talk Chattanooga Real Estate
Real Estate in Chattanooga Tennessee and Northwest Georgia

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About your host

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Blake Watson

When you choose to partner with me as your Realtor, I bring knowledge, expertise, and real estate experience to our partnership. You can count on my negotiation skills and marketing know-how to help sell your property or help you secure the home of your dreams. I am Blake Watson, real estate agent brokered by Epique Realty, and serving Chattanooga and Northwest Georgia. In addition to being an agent, I host the “Let’s Talk Chattanooga Real Estate” podcast.
Honesty, transparency and trust are qualities you can expect from me. Above all, you can be confident that I will serve you with your best interest at heart.
Chattanooga is my hometown. I'm a proud graduate of Hamilton County Public Schools with years at East Brainerd Elementary, Westview Elementary, Brown Middle and Central High. I went on to graduate from the Honors Program at the University of Georgia, where I met my amazing wife. After several years away in other southern cities, we returned to the Chattanooga area. Now, we live in Ringgold, GA with our two adopted kids, and we raise goats on our small farm.
I've worked in Chattanooga and Northwest Georgia for decades and know and love the towns and neighborhoods throughout the area. I love the community we have in Chattanooga, and the incredible transformation our city has enjoyed over the past 20 plus years. If you live here, you know what I mean. If you are considering a move to Chattanooga, be prepared to fall in love with this beautiful area that is so full of life and fun!