# Think You Can’t Afford a Home? Think Again: Advice for First-Time Buyers

Page: https://stenobird.com/podcast/let-s-talk-chattanooga-real-estate-6720438/think-you-can-t-afford-a-home-think-again-advice-for-first-time-buyers
Text version: https://stenobird.com/podcast/let-s-talk-chattanooga-real-estate-6720438/think-you-can-t-afford-a-home-think-again-advice-for-first-time-buyers.md
Podcast: [Let's Talk Chattanooga Real Estate](https://stenobird.com/podcast/let-s-talk-chattanooga-real-estate-6720438)
Published: 2025-05-16T10:00:00+00:00
Episode link: https://chattanooga-real-estate.captivate.fm/episode/think-you-cant-afford-a-home-think-again-advice-for-first-time-buyers
Audio file: https://episodes.captivate.fm/episode/1884b4c6-0f34-4a5f-806a-f9e96d5c0170.mp3
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Duration seconds: 953

## Resource

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 ag…

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