Episode 60

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

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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!