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

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