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    Welcome to HomeRate Mortgage

    Browse around our site and you will find everything you need, including helpful information, calculators and more.
    Also, don't forget to use the form within the banner to see how much lower our rates are than the big banks.
  • Apply Now

      Complete Application

      We suggest filling out this application only if your loan consultant has instructed you to do so.

      Download Application

      You can download the application material now and mail or fax it to us. This is a full application that can be printed as opposed to the online application that can be filled out on a browser.
  • Purchase
      Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Take this opportunity to learn more about home buying and the mortgage process.

  • Refinance
      Why pay more than you have to? Don't miss out on super low rates.
      Changing the terms of your loan can benefit you and maximize your monthly income

  • Tools & Info
    Use the form within the banner on the home page to see how much lower our rates are than the big banks. Then fill out our application to see if you qualify. If you have any questions, just click Contact Us or call us at (423) 805-9100.
  • About Us

      Who We Are

      Meet the Staff


      HomeRate Mortgage helps people get better rates than the big banks and offers better customer service during the process.
  • Contact Us
Get a QUICK Quote!
Including Closing Costs

Tools & Info
We have put together some helpful information and mortgage calculators to help answer any questions you might have. If you would like to get a free quote with no cost and no obligation, please fill out our application. If you have a question, don't hesitate to call us at (423) 805-9100.


We have put together many calculators and tools to help you make sense of the numbers. They are all easy and fun to use.

Frequently Asked Questions

Find answers to some frequently asked questions.

Types of Loans

See a list of the many different types of loans available along with their description.

Glossary of Terms

If your have heard a term that you are not familiar with maybe our Glossary of Terms might help.

If you have any questions, just click Contact Us or call us at (423) 805-9100.

We pride ourselves in providing the best mortgage loans to the areas we serve. If you want to leave feedback or review feedback & testimonials please CLICK HERE. We expect you to see satisfied mortgage clients that agree that the Ben Phillips Mortgage Team provides mortgage loans faster, better, & cheaper than our competiton!

Home Rate Mortgage Inc
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