Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your home financing needs. We specialize in VA Loans, USDA Loans, FHA Loans, Conventional Loans, Mortgage Rates, Reverse Mortgage, Streamline Refinance, VA Refinance, HARP Loan, Cash Out Refinance, and FHA Refinance. HomeRate Mortgage of Tennessee saves local home owners money. Ben Phillips is the voice of HomeRate Mortgage and he helps Eric Bradshaw manage the success of hundreds of clients mortgage closings.