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CNE offers Conventional, FHA, USDA, VA and HomeReady loans. For more information on these programs, please call 423-756-6213 today.

Home Improvement

If your home is in need of repairs, you may qualify for a low or zero interest home repair loan through CNE and TRLP (Tennessee Repair Loan Program). We offer affordable financing for common home repairs including roofs, siding, windows, doors, foundations, plumbing, energy efficiency updates and more. 


ITIN Loans

CNE is now certified to offer ITIN mortgage loans. These loans allow those who do not have Social Security numbers to apply using their ITIN. Some preliminary qualifications include borrower having a down payment of 20% (payment can include gift funds); they must have an ITIN (SSN not required); no minimum credit score; they must provide at least one year of tax returns. Other conditions apply. If you want to learn more about this loan option, apply below.

CNE Down Payment Assistance

CNE's Down Payment Assistance Program is designed to help homebuyers cover closing costs and down payments included in home purchase.

Down payment assistance up to $15,000 will act as a second mortgage loan becoming payable on a monthly basis after the purchase date. It will begin amortizing in year one, at a rate of the first mortgage but no less than 3%. Whether or not you qualify for this program will depend upon your household size and your income.

CNE’s Down Payment Assistance is available in Bledsoe, Bradley, Marion, Grundy, Hamilton, McMinn, Meigs, Polk, Rhea and Sequatchie counties.

City Down Payment Assistance

CNE also offers a down payment assistance option through the City of Chattanooga. To qualify, the home must be located within Chattanooga city limits; it cannot be occupied by a tenant at time of sale; and it must go through a Housing Quality Inspection. Household income and purchase price are also qualifiers.

Fill out the form below to see if you are eligible to receive down payment assistance:

Section 8 to Homeownership

Are you on Section 8 and want to own your home?

Here are the minimum requirements in order for you to own the home of your dreams:

  • Low Income Public Housing resident in good standing with CHA

  • Don’t currently own a home, are a first time homebuyer, or have not owned a home in the last 3 years

  • Willing to complete pre- and post-purchase counseling and homebuyer education class

  • Willing to save enough money to put toward a 1% down payment on a home

  • Currently enrolled in CHA’s Family Self Sufficiency Program (FSS), or are willing to enroll

  • Currently employed full time, and have maintained stable and consistent employment for at least 1 year or you are an elderly or disabled person.

  • Maintain a household income of at least $14,500 per year earned from employment or you are an elderly or disabled person.

Foreclosure Prevention

At CNE, we offer free mortgage guidance from certified counselors who specialize in foreclosure prevention. To get started, fill out the form below.


If you feel you have been a victim of a modification scam, please take action immediately. Go to

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