Tennessee or Georgia? Which Side of Chattanooga Should You Live On (2026)

Here's something nobody tells you when you're looking at a move to the Chattanooga area: you're not just picking a neighborhood. You're picking a state. Drive 10 to 15 minutes south of downtown and you're not in Tennessee anymore. You're in Georgia. Different income tax. Different property tax math.

HELOC vs. Selling: How to Access Your Equity Without Losing Your Low Rate

  If you're sitting on a mortgage rate from 2020 to 2022, you already know you don't want to touch it. The 30-year fixed is averaging 6.65% right now, and giving up a 3% rate to sell and rebuy costs real money every month — I ran that math in Should I Sell My House If I Have a Low Rate?. But not wan

Should You Buy Now or Wait for Rates to Drop in Chattanooga? (2026 Guide)

A week ago or so, I wrote a post where I walked through the $21,000 sitting on the table for first-time buyers in Chattanooga. The question that comes right after that one, almost every time, is: okay, but should I even buy now — or just wait for rates to drop first? Here's my answer, and it's not c

Should I Sell My House If I Have a Low Rate?

If you bought or refinanced in Chattanooga before 2022, you're probably sitting on a rate that starts with a 2, a 3, or a 4. And that's exactly why you haven't sold, even though part of you wants to. Right now the 30-year fixed is averaging 6.65%. About 90% of homeowners around here are sitting belo