Josh McGinnis

Branch Manager

423.645.7083
[email protected]
300 Ashland Terrace, Chattanooga, TN 37415

I’ve spent nearly a decade in the mortgage industry, building a reputation for reliable results, strong communication, and on-time closings. Every loan I’ve preapproved has closed, and I focus on giving clients a clear, confident experience with solutions tailored to their needs—including buyers who’ve struggled to secure financing elsewhere.

Before mortgages, I spent 10 years in ministry and another decade as a business coach, shaping my approach to service, integrity, and problem-solving.

Outside work, I’ve been married more than 25 years and have two boys and two dogs. My wife and I founded a school serving 75 students in grades 1–8, and I serve on the board of a veteran nonprofit that provides service dogs to veterans with PTSD or CBI. I bring that same commitment to supporting families through their homebuying journey.

Serving: AL, FL, GA, TN & TX

Resources & Guides

Get Pre-Approved

Ready to buy a home? Getting pre-approved helps you understand how much you can afford and shows sellers you’re serious.

Get Started

Refinance

Is your mortgage aligned with your goals? Refinancing could help save money, shorten your term, or tap into your home’s equity.

Start Refinance

DPA

Homeownership may be closer than you realize. Down payment assistance can reduce upfront costs. See your options with our tool.

Find Assistance

How It Works

Step 1: Book a Free Consultation
Step 2: Submit Your Loan Application
Step 3: Get Pre-Approved
Step 4: Find a Home & Make Offer
Step 5: Loan Closing
Step 6: Congratulations, Get Your Keys!