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PHB Home Stories: Meet First-time homebuyer Allison White

We spoke with first-time home buyer Allison White about her what it’s like to be building and making selections for her first new construction home in the (booming) Chattanooga market.

 

Pratt Home Builders: Why did you feel now is the right time to buy a new construction home?

Allison: A lot of it has to do with the timing of being ready to move in.  For me, I was living alone in an apartment when the pandemic hit.  I moved in with my parents “temporarily” since I’m a pretty social person.  Living in isolation was not good for me.  Then the tornado over Easter hit my apartment as well, so I fully moved in.  With Covid still a threat, I don’t want to move back out too soon and find myself isolated like I was at the start of the pandemic, just in a bigger space!  The timeline of building fits when I am hopeful to be able to get back out in the world more comfortably.

 

PHB: Did you look at both new homes and resales? Why did you land decide on new construction instead of a resale?

Allison: I did look at what I’ve been jokingly calling “used” homes before opting on new construction.  Because of the timeline issue I mentioned before and the record low inventory in resales, I was having trouble finding what I was looking for.  Every house I saw that came close was missing at least one item on my “must have” list.  With new construction, I am able to get all my “must haves” within my budget, so it just makes the most sense for what I’m looking for and my timeline.

 

PHB: With the low inventory and competition among resales, would you expect to see new construction homes become the “new normal” in real estate”

Allison: Based on what I saw on the market, it wouldn’t surprise me.  If new construction can guarantee what you want in a home, and the price is right, I would think that would be the better option.  Unless you need a home quickly, why not build what you want?

 

PHB: Does the long warranty make you feel additional ease as a first-time buyer?

Allison: Absolutely!  It’s nice to know that I won’t have to worry about things breaking for a long time.  I’m not the most handy with home repairs, so not having to think about hiring someone to fix things is great for my piece of mind and my budget!

 

PHB: I know you mentioned you are having some special features added to your home – can you talk about those?

Allison: The features I’ve upgraded are just the things that I really want in my home such as a screened porch, a tub in the master bath, and a wall oven in the kitchen to name a few.

 

PHB: What are you most excited about when it comes to your home plan and finishes?

Allison: I’m super excited to put my touch on everything and truly make it mine.  I’m looking forward to going through the process of designing the finishes and getting to pick everything out.  As for the home plan, I love the layout and the way the home flows.  I think it will be everything I’ve been looking for in a home.  I can already imagine living in the space and using each area throughout the day.

 

PHB: Why did you choose the community/location that you landed on and what are you most looking forward to about being in the area?

Allison: I grew up just outside of Red Bank, so I was hoping to move back to the north side of town.  I was looking at homes in the Red Bank, Northshore, and Hixson areas of Chattanooga.  The location of this neighborhood is fantastic as it is close to all the places I spend regular time during the week (church, work, recreation).  I also love how close it is to the Greenway Farms area so it will be easy to go to the park frequently.  The community feels like it is in the middle of the country, but I can get to city amenities within 5 minutes.

 

PHB: What are you most looking forward to about your design process?

Allison: This is a hard question because the answer is “all of it!”.  I’ve never built a home before, but I think it will be an interesting and fun process to go through, especially since I’m not doing it on my own.  I think the design meetings will be enjoyable as I look at all the different options.  I intend to drive by the lot at least weekly to watch the progress of my home being built.

 

PHB: How do you feel about being able to have you own place to call “home” given the current unprecedented situation we are living in?

Allison: I’ve lived alone before, but always in a rented apartment.  I’m thrilled to finally be on the path to owning my home.  I love the idea that I can do anything with the space since it’s mine, even as simply as changing a wall color.  I’m also looking forward to not hearing my neighbors through the walls or ceiling!  I grew up in a neighborhood with great neighbors who cared about the community we lived in.  I’m looking forward to building that with my future neighbors as well.  I think people just care more when there is ownership.

 

PHB: How would you describe your process so far?

Allison: So far, the whole process has been pleasant and pretty easy.  A lot of that has to do with the people I’ve been working with who really know their stuff and are able to guide me through.  I’m not very far in yet, but I feel confident that it will continue to be a lovely experience based on what I’ve seen.  I have always heard horror stories about people building houses, but that has not been my experience at all!

 

PHB: Is there anything else you’d like to add?

Allison: I can’t wait to take each next step and watch the whole process take place!

 

Ready to build your new home? We can help! Visit https://prattliving.com/find-your-home/ to get started.

PHB Home Stories: Meet First-time homebuyer Allison White2025-11-25T13:28:57+00:00

Team Spotlight: Judy Carpenter

PHB: Tell us about how you came to work at Pratt Home Builders.

Judy Carpenter: Well, I started to work for Mr. Pratt in our little home town in, Inverness, Mississippi in 1984 in the propane & oil business as a bookkeeper.  In 1995, he sold those businesses and asked me to come with him to Chattanooga on his next venture. He had already bought Bradley Propane in Cleveland. He had moved his family to Chattanooga five years prior so he was ready to be here full time with them.  Our girls were out on their own, so we jumped at the chance to live somewhere different in that season of our lives.

 

PHB: What were your favorite things about Chattanooga when you arrived in the city?

JC: The mountains for sure!  I had been raised in flat land all my life and we had vacationed the year before to the Ozarks. I came back telling Mr. Pratt that when I retired I would move to the mountains…guess he remembered that when he ask me to come with him to Chattanooga…lol.

 

PHB: What are a few words you’d use to describe the atmosphere?

JC: If you mean the city, I would say it’s big enough to have all you need for living a full life no matter what age you are, including the medical side, since my husband has had health issues most of the time we’ve lived here so that was important to us.  But it also has that small town feel in a lot of ways.  We came from a town of 1,200 so it seems big to us.  The beauty is unsurpassed by anywhere you can travel I think.  Having our daughters, granddaughters and great grandson here to enjoy all this is so special to us.

 

PHB: What’s been the most special part of working at Pratt over the years?

JC: Watching it grow and having all the great relationships I’ve made over the years even with employee’s no longer here that I still keep in touch with.  Jennifer Dorsey, Bill Thompson and myself are the only ones still here from the beginning.  It wasn’t always easy work but rewarding for sure.

 

PHB: Tell us about your role at the company.

JC: I’ve always worked alongside Mr. Pratt with the financial aspect of the company.  I love bookkeeping and have learned so much from Mr. Pratt over the years so guess you could say I was self-taught with his guidance.   I did take some business courses in college so guess that has help along the way.

 

PHB: You built in a Pratt community recently. Tell us about your favorite parts of that process.

JC: Going almost every day seeing the progress of our home coming together.  It was a good/bad process in that we were so anxious to finish and get moved in.  We love living in Amberbrook Gardens and the neighborhood is a perfect place for all type of families to come together.  We have neighbors on one side of us our age and the other side young couple with kids, who are both very good friends now.  The ability to walk our neighborhood & ride our golf cart while feeling safe is a huge blessing also.  Our great grandson, Zeke loves riding the golf cart with us.

 

PHB: What home plan did you choose and what’s your favorite thing about it?

JC: We choose the “Savannah”.  The open living area that extends out onto our screened porch is my favorite.  Actually we choose it because it was the smallest square footage and we were downsizing in yard & home to take care of.

 

PHB: What’s your favorite thing about living in a Pratt community?

JC: It’s a perfect place for all sizes and ages of families to come together. We have neighbors on one side our age & the other side a young couple with kids. We are good friends with both of them now.  The ability to walk our neighborhood and ride our golf cart while feeling safe is a huge blessing also.  Our great grandson, Zeke loves riding the golf cart with us.

 

PHB: What do you like to do in your spare time?

JC: When weather allows I love being outside planting and taking care of my yard.  I enjoy cooking and trying out new recipes.  I’m now working on a recipe book I can hand down to my granddaughters.  Just shortly being semi-retired and having a little more time on my hands I’m still trying to figure out what to do with that extra time.

 

PHB: What are your top 3 favorite places for dinner or entertainment?

JC: Going to the movies use to be and hoping that will return.  Riding up the mountains to see the view which never gets old.  We like walking downtown and going to the Choo Choo and eating at Stir.  We like to eat at locally owned restaurants when we can.  For fast food, Chick-Fil-A is our favorite.

 

PHB: What is your favorite memory working at Pratt Home Builders?

JC: This may sound silly but moving into the building we are in now! When we moved to Chattanooga, we were in a very small office off Signal Mtn Rd.  Then we moved to Manufacturers Road to two different locations then made the move where we are now.

Team Spotlight: Judy Carpenter2026-02-04T18:40:25+00:00

What’s New in New Construction in 2021?

A new year is here in the Scenic City and we’re looking forward to opening more phases in some of our most beloved communities as well as unveling brand new communities in Greater Chattanooga in 2021. As Chattanooga’a leading home builder, Pratt offers walkable communities in convenient areas for the modern lifestyle. Just a quick commute from downtown Chattanooga’s best-loved spots, our Winter/Spring 2021 releases offer a balance of the city’s nearby adventures and serene rural views.

Amber Valley – Now Open

Located just off Cassandra Smith Road in Hixson, Amber Valley is a level, walkable community just minutes from Publix and Greenway Farms. With home prices starting in the low 300s, it’s a great time to select your home site, home plan and select finishes with our in-house interior design team in our beautiful 3,000 square foot design center.

Magnolia Farms Phase 3 – Open in February 

Nestled in beautiful Apison, Tennessee, Magnolia Farms is a gently rolling community just 7 minutes from Gunbarrel Road near Hamilton Place Mall. There are several convenient ways to access this tree-lined community that feels rural even though it’s easily accessible to the interstate.

Seven Lakes FINAL Phase – Coming soon

One of our all-time-favorite communities, the panoramic views from the latest phase of Seven Lakes are nothing short of iconic. With sweeping Tennessee ridges as far as the eye can see, Seven Lakes is our only gated community currently. Just minutes from Publix, the Interstate, and the ever-popular Cambridge Square shops and eateries, this Ooltewah community is a perfect balance of having a small-town feel but that mid-sized city convenience.

 

To schedule a visit to any of these communities, or to learn more about which of our communities and home plans is ideal for you, visit prattliving.com or call 423-757-7687.

 

What’s New in New Construction in 2021?2021-01-11T21:35:45+00:00

Local Supporting Local: Shop Small this Holiday Season

As a locally owned, family-operated business, we are always supporters of “shopping small”. This year, it’s more important than ever before. When you shop small, your local dollars impact the neighbors in our community.

Here are a few of our very favorite local businesses with products and services that would make great gifts this holiday season.

Feed

Rustic House Candles

Bees on a Bicycle

Niedlov’s

Garden Vignettes

Local Supporting Local: Shop Small this Holiday Season2025-11-25T13:27:00+00:00

Editorial: Dare to Dance to Benefit Emergency Housing

By Brittany Shaw, Pratt Home Builders New Home Matchmaker and Dare to Dance 2020 Castmember

It’s hard to believe Dare to Dance month has already come and gone! I’ve had a few weeks to reflect on this incredible event in this most unique of years. I can’t say enough about the Kidney Foundation of Greater Chattanooga as well as all the generous sponsors and donors who helped us fund Emergency Housing for the Kidney Foundation, despite whatever financial challenges they may have faced in 2020.

 

Editorial: Dare to Dance to Benefit Emergency Housing2026-02-04T18:47:14+00:00

Team Spotlight: Chris Scott, New Home Consultant

What’s your name and how long have you been with Pratt Home Builders?

My name is Chris Scott; I have worked for Pratt Home Builders for 4 months.

 

How long have you lived in Chattanooga?

I moved to Chattanooga in early 2008.

 

What’s your background in?

I spent a long time in the Restaurant & hospitality business from 2008-2020.

 

What inspired you to get into real estate?

I bartended a private real estate function late last year and after talking to so many realtors at the function; I thought it would be a great transition from the bar business.

 

What do you like best about working at Pratt Home Builders?

I would say all the team members I get to work with, the mentorship of my broker, and the wonderful buyers/prospective buyers I get to know.

 

What have been some of your favorite memories with the homebuyers you’ve worked with so far?

Its hard to pinpoint a favorite memory so far with home buyers. I have truly loved walking Cherrybark Lane with all the wonderful people who have chosen Creekside Hampton Meadows as their landing spot for their new home.

 

What do you like to do when you’re not working?

I love getting out on the water, working on trying to learn how to fly a plane, and play golf occasionally.

 

What’s a quote that inspires you?

A quote I love is: “People don’t care what you know till they know that you care.”

 

What’s your favorite book or movie?

Favorite Movie: The Power of One

 

Is there anything else we should know about you?

Little Extra Info: Really like NBA Basketball. I used to work for the Memphis Grizzlies which is our pro basketball team in Memphis.

 

What are you looking forward to most about continuing to help homeowners find their future homes?

It is so rewarding to help individuals from all over and all walks of life find & build their perfect home. The friendships that come out of this are absolutely great.

Team Spotlight: Chris Scott, New Home Consultant2025-11-25T13:27:32+00:00

Featured Community Video: Engel Park

 

Our newest East Brainerd community is well underway in the first phase. As you can see in the video, it’s easy to go wherever you need to be! Minutes from the Interstate, whether you need to get to Nashville, Knoxville or Altanta, or simply go downtown or to Hixson from this new construction community.

Featured Community Video: Engel Park2020-07-25T14:13:52+00:00

5 Spots to Have Fun in the Sun in Chattanooga

There may still be some ongoing uncertainty surrounding COVID, but as life goes on and everyone adjusts to their own new normal, the outdoors still provide a safe haven for responsibly enjoy family time or physically-distanced interactions with friends. Luckily, Chattanooga offers a number of beautiful areas that are traffic free and a great way to get your immune-boosting Vitamin D!

  1. The River Walk
  2. Enterprise South
  3. Greenway Farms
  4. Audobon Acres
  5. Sculpture Fields
5 Spots to Have Fun in the Sun in Chattanooga2026-02-04T18:52:44+00:00

Why buying New is the “new normal”

These are unprecedented times, but that doesn’t mean your plans to become a homeowner, upgrade to a larger home, or downsize to a home that makes more sense for your lifestyle have to be put on hold. In the Chattanooga market, we’ve seen a drop in inventory across the board, but here at Pratt Home Builders, business is booming. Here are a few reasons why we think new construction is the new normal.

Apprehensive Sellers

The bottom has fallen out of area inventory, and it’s understandable! Sellers are choosing to protect themselves and their families during this uncertain time as experts continue to learn more about COVID-19, but this means there are fewer resale opportunities for hopeful buyers to choose from. Many sellers don’t want to invest in remodeling and updating their homes not knowing the future. Others do not feel comfortable allowing buyers and Realtors inside their homes for the sake of their health. Job uncertainly, for some, is also contributing to putting plans on hold.

New Homes

When you buy new construction, you don’t have to worry about the history of the home. It’s new, fresh and clean! Whether you purchase a market home or choose to build, it’s sanitized and ready for you.

Customer Warranty

Little expenses can add up quickly in a resale. Sometimes these make sense when they help increase the value of the home, but other times these expenses are needed to simply maintain and prevent deterioration. The great thing about buying new construction with Pratt Home Builders is that we provide a 10 year warranty. That’s 10 years of additional expenses you get to save. Not only do you save on the materials, but you save on the labor since our warranty department will handle any repairs. It’s great peace of mind in uncertain times.

Built-in equity

When you build, you put down your deposit but you get to lock in a purchase price months before you close! This means you basically lock in a home at a lower rate than it will be by the time you close! In this dynamic market, you can most likely expect the value to continue to rise – which means in all probability, your home will be worth more when you close than you actually paid for it.

Desirable locations

So, if you’re still confident about your work, want to take advantage of lower interest rates, less competition, and essentially make money when you buy in this dynamic market, it is still a great time to consider homeownership.

Why buying New is the “new normal”2026-02-04T18:41:29+00:00

Guest Editorial: Tools for Transferring Your House to Your Loved Ones By Attorney Amanda N. Jelks

For most people, our homes are amongst our most valuable assets. We invest a huge amount of time, resources, and energy into paying for our home and maintaining it. More importantly, we make precious memories that will last a lifetime. When people think about the legacy they want to leave their loved ones, their home is usually at the top of the list of things to protect.

There are different estate planning tools that can be used to make sure the people you select ultimately receive your home. The most common tools used are wills, trusts, and deeds. We generally advise against adding someone as an owner on the deed to your real estate, because doing so almost always makes your real estate available to their creditors, heirs, and spouse. It is also usually not ideal to transfer your house to someone else making them the 100% owner of the house while you are still alive, because that could interfere with your ability to qualify for Medicaid to assist with paying for long-term care and you completely lose control of what happens to your house.

A will or a trust are generally the better tools to use to transfer your real estate to loved ones after you pass away. The primary difference between the two options is whether or not your loved ones have to go through some form of probate to transfer the house to their names or list it for sale. Wills must go through probate court, despite the common myth that says otherwise. The word “probate” actually means “to prove a will” and, hence, the will doesn’t mean anything until a judge says it does. The issue with probate is that it is lengthy (at least one year in Tennessee and can be much longer in Georgia) and the administrative expenses, which come out of your loved one’s inheritance, can be significant. The way to avoid probate is by having a revocable living trust.

A “Revocable Trust” is a trust that has detailed instructions as to what happens to your assets when you pass away. It is revocable in that you can change and update those instructions while you are alive. One can think of this type of trust as a bucket. You can put things into the bucket, you can take things out of the bucket, you own the bucket, and have total control over it. In order to put your home into the “bucket,” you record a deed that gives ownership of your home to the trust.

As long as you are alive and competent, you are in the driver’s seat as it pertains to the trust. When you pass away or if you get to a point where you can no longer manage your affairs, the successor trustee (named by you) will have extensive instructions as to how they should manage your home (e.g., who can live in your home, whether it must be sold after your death, at what age someone can take ownership of your home, or how proceeds from the sale of the house are divided amongst your beneficiaries).

Only a licensed attorney, preferably one who is well-versed in estate planning, should set up a trust for you and your family. There are many factors that are specific to you that need to be weighed when deciding if a Revocable Trust is your best option. So, when you are ready to plan your estate, find a law firm that will work with you to preserve your legacy.

 

About the Author

 

Amanda N. Jelks is the owner of Jelks Law, PLLC, an award-winning law firm located on the North Shore in Chattanooga, Tennessee. She and her team help families and business owners with estate planning and probate matters. Amanda was selected as the “Best Attorney” by the Chattanooga Business Elite in 2020, has been recognized as a Rising Star by Super Lawyers® for the last four years in a row, and the firm was awarded the 2018 Emerging Business of the Year by the Urban League of Greater

Chattanooga. Amanda is licensed in Tennessee and Georgia.

Guest Editorial: Tools for Transferring Your House to Your Loved Ones By Attorney Amanda N. Jelks2026-02-04T18:42:19+00:00
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