Patty Becknell, Loan Officer, NMLS 546267

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Patty Becknell, Loan Officer, NMLS 546267

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Patty Becknell NMLS #546267 - Mortgage Loan Officer, PrimeLending, A PlainsCapital Company NMLS #1364 At PrimeLending, we are Home Loans Made Simple℠.

I'm Patty Becknell, NMLS: 546267, Loan Officer with PrimeLending NMLS: 13649, dedicated to helping families and individuals feel confident at every step of the home financing journey. With a focus on clarity, care, and trusted guidance, I make the lending process simple and stress free - whether you're buying your first home, upgrading, refinancing, or building. My goal is to combine professional expertise with a personal touch so every client feels supported from application to closing and beyond. For over three decades, we have helped people buy, refinance and renovate their homes and Patty is licensed in 48 US States. We have straightforward processes, user-friendly mobile applications and step-by-step communication to keep our customers informed and feeling at ease. We help our clients choose from a wide array of loan products - Fixed and Adjustable Rate Mortgages, FHA and VA loans, Jumbo loans, Refinancing options, Renovation loans, DSCR Investor LLC loans and Bank Statement loans. We lock, approve and close loans quickly, and earn our customers’ trust with our reliable service. The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries. Primelending.com/legal

Equal Housing Lender

11/03/2026

Is your home holiday-hosting ready? 🎄🏡
If your pre-holiday wish list includes a kitchen refresh, new flooring, updated guest space or finally tackling those projects you've been putting off, there may still be time to get started.

A HELOC* can let you tap into your home's equity to help fund improvements and give you flexibility to borrow what you need.

Want to get your home gathering-ready? Learn more about your home equity options.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

10/31/2026

I'm here to help take the mystery out of your mortgage options and make the path home feel a little less frightening.

Have a fang-tastic Halloween! 🧛🎃

10/30/2026

Can't find the right home? Maybe it hasn't been built yet. 🏡
New construction can give you options you may not find in an existing home, including:
🔨 The ability to choose certain finishes and features
🏠 Modern layouts designed for how people live today
⚡ Newer systems, appliances and energy-efficient features
🛠️ Fewer immediate repairs or renovations
✨ A home that feels like yours from day one
And with financing designed specifically for new construction, building may be more achievable than you think.
Thinking about building? Let's talk about your options.

10/30/2026

Thinking about waiting to buy until rates change? A lot of people feel that way, but holding off could actually end up costing you more. Here's why buying now can be a smart move:

- Start building equity sooner. Every payment goes toward your future instead of someone else's.
- There's less competition right now. With fewer buyers in the market, you might have more choices and room to negotiate.

Send me a message and I'll show you how buying now stacks up against waiting. The results might surprise you.

10/30/2026

A second home can be more than a place to visit-it can be a place where traditions begin.

From weekend getaways to holidays and summers spent together, the right second home creates space for long-term memories and moments that last well beyond a single season. When you're ready to explore what's possible, having the right financing plan makes all the difference.

Contact me to talk through what a second home could look like for you.

10/29/2026

Homebuyers are gaining real leverage and now's the time to put it to work.

There are 33.7% more sellers than buyers in today's market, according to Redfin*. That's the largest gap since 2013. This shift gives you negotiating strength to ask for seller credits, explore lower list prices or even request upgrades when you close.

Combine that with smart financing like flexible loan terms, lender credits or rate buydowns and you can maximize your buying power in a way renters can't match.

Apply now and put today's market to work for you. DM me for more info.

*Source: https://www.redfin.com/news/sellers-vs-buyers-price-impact/

10/29/2026

When negotiating on a home, a lower price isn't the only thing worth asking for.
What if seller concessions could be used to help lower your upfront costs or even reduce your monthly payment with a temporary buydown?

Sometimes, it pays to look beyond the price tag and ask: What else could that money do?

I can help you run the numbers and compare your options.

Before you negotiate, let's talk.

10/29/2026

When you're buying a home, it's both.

A lower rate doesn't always mean the better payment. And a lower price doesn't always mean the better deal.

Ultimately, it's about how the whole picture works together for your budget, goals, and long-term plans.

Since each situation is different, I recommend we run the numbers and walk through your options together. Give me a call.

10/28/2026

Not everyone is sitting on a 3% mortgage, and you don't necessarily need to wait for the "perfect" rate to explore refinancing.

A lower rate or payment could be one reason to refinance. Changing your loan term, accessing your home's equity, or pursuing another financial goal could be others*.

It won't make sense for everyone. That's why I'd rather help you compare the numbers than guess.

Send me a message and let's see what refinancing could look like for you.

*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

10/27/2026

All too often I see homebuyers rule themselves out of a mortgage before they even apply. Why? Because they think they have to have a perfect credit score.

It's true, credit matters. But so does your income, existing debts, savings, and what kind of home loan you're looking for.

But, you don't even have to know all of that to get the ball rolling. I'm here to walk you through the process, so reach out and let's see what you could qualify for.*

*All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply.

Address

1200 Premier Drive, Suite 220
Chattanooga, TN
37421

Telephone

+14235931153

Website

http://www.pattybecknell.com/, http://www.nmlsconsumeraccess.org/

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