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Your Local CrossCountry Mortgage Loan Officer

Nate Byram

  • Senior Vice President of Lending
  • Chattanooga, TN Mortgage Loan Officer
  • NMLS #1289761

America’s #1 Retail Mortgage Lender

Helping you navigate homeownership

Hi, I’m Nate, a Chattanooga loan officer serving Tennessee and Georgia. Whether you’re buying a home, refinancing or considering a HELOC, I make the mortgage process simple and stress-free. With years of experience, I’ll guide you from pre-approval to closing.

Why work with me?

At CrossCountry Mortgage, we provide more than competitive rates — we offer expert guidance, personalized service and flexible loan programs like conventional, FHA, VA, USDA, jumbo and first-time homebuyer loans, plus down payment assistance.

Local expertise with nationwide options

As a trusted mortgage professional in Chattanooga, TN, and Atlanta, GA, I’m very familiar with the markets in areas like Ooltewah, Hixson, St. Elmo, Marietta and Dallas. I’m also licensed in AL, KY and LA.

Reach out

Searching for a dedicated loan officer in Chattanooga, TN or Atlanta, GA? Let’s explore loan options, compare rates and get you pre-approved. Call, email or apply online today!

Nate’s testimonials

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Hispanic mother and her two children preparing a meal in the kitchen.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Pase de presentar una solicitud a ser propietario de una vivienda, todo en español

Su idioma. Su proceso. 

Me complace ofrecer herramientas para brindar a los compradores de vivienda de habla hispana un proceso más fácil y personal: 

  • La solicitud de hipoteca de CCM en español le permite dar el primer paso hacia ser propietario de una vivienda en su idioma preferido. 
  • Nuestra herramienta de recursos lingüísticos está disponible después de presentar la solicitud junto con materiales educativos en español y documentos de cierre que lo guiarán a su vivienda. 

No obstante, las herramientas no son nada sin una conexión personal. Hablo español y quisiera brindar orientación especializada y ofrecer mi tiempo para responder sus preguntas en cada paso de su proceso para convertirse en propietario de una vivienda. 

Comuníquese conmigo

Inspiration for your home loan journey

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First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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When to Refinance a Mortgage

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What Are Conforming Loan Limits?

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Frequently asked questions

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