The Byram Group

Chattanooga's Local Cross Country Mortgage Loan Officer

Helping You Navigate Homeownership

Hi, I’m Nate — A Chattanooga mortgage loan officer serving clients across Tennessee and Georgia, including buyers looking for home loans in Atlanta, GA. My mission is to make the mortgage process clear, stress-free, and successful for you.

Whether you're buying your first (or next) home, needing a HELOC, or refinancing, I’m here to guide you through it all. With years of experience in mortgage lending and a passion for helping people, I’ll make sure you understand every step — from pre-approval to closing.

Why Work With Me?

The mortgage process can feel overwhelming, but it doesn’t have to! At CrossCountry Mortgage, we offer more than just great rates. We offer real guidance, personalized service, and a wide variety of home loan options to fit your needs — including Conventional, FHA, VA, USDA, and special programs you won’t find everywhere. We don’t shy away from first-time homebuyer programs, jumbo loans for luxury homes, or offering down payment assistance.

I take pride in making things understandable, answering your questions honestly, and keeping the process moving smoothly so you can focus on what matters — finding the right home.

Local Expertise, Personalized Support

Living and working as a mortgage lender in Chattanooga’s growing housing market and Atlanta’s competitive real estate market gives me an edge when it comes to understanding local neighborhoods, and what buyers are really looking for. Whether you’re buying in Chatt around Ooltewah, Hixson, St. Elmo, or ATL suburbs like Marietta, Rome or Dallas, I understand what makes each neighborhood unique — and how financing can be tailored to fit.

Not from these areas? No problem! We can originate your loan no matter where you are as we’re licensed in all 50 states.

Reach Out - Let’s Get You Home!

If you’re searching for one of the best mortgage lenders in Chattanooga, TN or Atlanta, GA, let’s connect. I’ll walk you through today’s home loan options, compare rates, and help you get pre-approved quickly. Whether you're just starting to explore options or you're ready to buy, I’d love to help. Reach out and let’s talk about what you’re looking for — and how we can get you there.

Make your mortgage a win with America’s #1 Retail Mortgage Lender — and a local loan officer who’s on your side from day one.

The Team

Debbie Beene

Debbie Beene is our Intake Specialist. She is your first point of contact, and will work with you to gather the necessary documents to get you preapproved. Debbie has been in the mortgage industry for over 35 years and has spent the last 25 as a Loan Officer. Her hobbies are floral designs, and gardening, and she loves all types of animals - especially her two kitty cats.

Hunter Byram

Hunter Byram is our Preapproval Manager. He will review your application and documents to preapprove you, put together personalized and optimized loan options as well as assist Tina throughout the loan process to assure a smooth experience. Hunter enjoys reading, writing, and watching the Jaguars football team.

Tina O'Hern

Tina is our Loan Processor. Once you’re under contact, she will step in and guide you to the closing table. She brings over 28

years of experience with a strong background in underwriting and processing and provides excellent service, clear communication, and is very detail oriented. Outside of work, Tina enjoys spending time with her kids and has competed in and amateur 8-ball pool league for more than 20 years.

Nick Wehrley

Nick is our Loan Partner who, from behind the scenes, manages the day-to-day and overlooks things like post-milestone procedures, marketing, and ensures we’re being as efficient as possible. Nick enjoys to spend his time gravel biking, traveling internationally, and playing pickleball.