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Earth Day 2024: 8 Tips for Reducing Plastic Consumption Starting at Home

This year’s Earth Day theme is Plastics vs. Planet, with a goal to slash plastic production by 60% by 2040.

With Chattanooga currently vying for the first-ever #NationalParkCity, it’s safe to say our residents care about the health and beauty of our hometown area. With studies showing plastics affecting wildlife, human health, and disrupting ecosystems across the world, we’re passionate about living thoughtfully to keep our home safe and beautiful. After all, we live here, too. Fortunately, there are some excellent ways to prevent using plastic in the first place, starting with hardly-noticeable swaps that are easy to do at home. In many cases, these tips these save a significant amount of money, too!

1. The first way to save money and dramatically reduce plastic use is to make the switch from bottled water to reverse osmosis (they even have counter-top ones!), filtered pitchers, or regular tap water. The U. S. population spends at least 11 billion dollars annually on bottled water. Typically, each person on average spends around $2,227 on bottled water, compared to tap water, which is just $2. Many may not realize that especially in cities like Chattanooga, water municipalities have much higher standards for water than water bottling facilities, which often simply filter and bottle tap water. So grab your Stanley, Yeti, Swell or a good ole’ fashioned Mason jar and drink up! Cheers!

2. Bring your own shopping bag. Although plastic bags are easy to pile up, there are hardly any recycling facilities for them outside of Publix or Walmart. Save yourself the trouble by getting a beau coups of cute canvas or cotton bags you can reuse, then toss without having to worry about the biodegradability.

3. Carry your own Mug. Plastic-lined paper cups and plastic lids to hot coffees and teas are more sneaky culprits that really add up over time. Unfortunately, many of these plastic types can’t be recycled locally. An easy solution is to bring your own mug and ask for it to be filled, or worst case skip the lid and pour your beverage into the thermos later.

4. Find reuseable lunch containers. Talk about a triple-bottom line shift! Packing lunch at home can not only save on materials, but is one of the easiest ways to save time and money, too. In most cases, it’s a great way to ensure healthy options, too!

5. Make the switch from soap bottles to bars. Average use can be up to 24 bottles a year according to UNICEF, so it’s a great opportunity to take advantage of skin-friendly soaps that are made or sold locally, too. A few of our favorites can be found at Good Fortune Soap, High Road Soap, and of course there are plenty of options at The Chattanooga Market.
6. Store leftovers in jars or with silicone covers. Who else loves looking at those perfectly organized refrigerators on Pinterest and YouTube? Consistent containers add to an organized home aesthethic, and save the plastic wrap, lunch bags, plastic bags that can all be part of a typical takeout or storing leftovers process.
7. Consider skipping the confetti – or making your own. Hole-punching flowers or construction paper is a great alternative that’s just as cute but without the tiny plastics.
8. Simplifying your cleaning routine. Baking soda, lemon juice, and old-fashioned vinegar are staples for a green-cleaning arsenal. Plus, these items can easily be stored in reusable or recyclable glass jars.
9. Swap your sponge. This is a simple swap that’s so easy to do. Most sponges are made of plastics that can break apart and get flushed down the sinks. Natural sponges are a great alternative.
10. Enjoy the dog park with biodegradable bags. Fortunately, our communities tend to have spacious yards that can be fenced that are perfect for Fido to roam, but for visits to our dog park, compostable bags like these can cut back on plastics over time.
Earth Day 2024: 8 Tips for Reducing Plastic Consumption Starting at Home2025-09-15T12:44:21+00:00

Serial Yoga Studio Owners, The Wrights, Find A Peaceful Retreat at Engel Park

The Wright Family, comprised of Ryan, Jenna and Stella, has called Engel Park “home” since May 2023. Their Lynden plan has been a perfect place to land while they focus on family, community, fitness, and their respective entrepreneurial ventures. The couple recently opened their third local yoga and pilates studio, purchasing an existing studio off East Brainerd Road, just minutes from their much-loved home at Engel Park.

Jenna’s work with online fitness powerhouse Eschelon brought her opportunities to the Chattanooga location. Then she met husband Ryan and decided to trade the big city for the scenic city. It’s been the perfect backdrop for the couple to chase fitness center endeavors of their own.

Jenna says: “I appreciate the convenience of where we live. It offers a peaceful retreat from the downtown hustle, yet it’s just a 20-minute journey away. East Brainerd is a gem, boasting everything one could need, including several of our top downtown eateries that have added locations here. With the addition of a new Southern Soul Yoga and Pilates studio just five minutes from our neighborhood, it’s the perfect spot for us. Our neighbors have become like family, and the sense of community and lifelong bonds we’ve formed this year is incomparable. We love with our home and our builder, Tyler. I’d be thrilled to have you as my neighbor!”

The Wrights are offering a FREE class to anyone who emails them at info@southernsoulyoga.com and mentions this Pratt Home Story.

Serial Yoga Studio Owners, The Wrights, Find A Peaceful Retreat at Engel Park2025-09-19T12:17:10+00:00

Financial Matchmaking: Find the Right Loan for Your New Home Goals

by Rusty Wienk, FirstBank Mortgage

The journey of a first time home buyer can be a harrowing one.  It is a complex process and experiencing a variety of emotions along the way is completely normal.  Thank the internet for that; allowing us to spend hours looking at homes and floorplans – escaping to the dream of homeownership before we approach the reality of home buying.  While it isn’t universally true, there is no doubt the process has some nuances, and an unprepared buyer will feel overwhelmed. Luckily, some information, strategy and finding the right lending partner can go a long way in laying the foundation for making those dreams a reality. All of these contribute to confidence in your finances and therefore, other choices along the way. Consider this your guide to financial matchmaking and finding the right home for your new home goals.

Knowledge is power

Let’s start by addressing the acronyms, which find endless use in mortgage. Take a complex term and condense it to three or four letters and it makes it all simpler, right?  Wrong!!!  In this post, the following five acronyms will be used.

THB  = First-Time Home Buyer, someone who has not owned a home in the past three-years

DPA = Down Payment Assistance, funds to help cover the downpayment and/or closing costs

AMI = Area Median Income, statistical middle income for a geographic area (not the same as average)

DTI = Debt-to-Income, how much debt a person has compared to their income

LTV = Loan to Value, the percentage of a loan compared to the value of the home

Planning ahead

One challenge FTHBs face in today’s market is saving up enough for a downpayment and closing costs. The minimum down payment for a FTHB is 3% on a conventional loan.  This can be especially challenging, even with moderate income, given our recent inflation rates and home appreciation.  A FTHB does not have the advantage of rolling equity from a previous home into their next purchase, so quickly accumulating $20,000 to purchase a home is not an easy task.  Let’s face it, it is hard to save fast enough!

A second pain point for that FTHB with limited funds is finding a program.  Many DPA programs have income limits that are set by AMI. Furthermore, many programs require your income to be 80% of AMI and since it varies by location, some less densely populated counties, can be prohibitively low.  Examples include Whitfield or Murray County at $57,200!  Fortunately, the closer to a metro area you get, the more reasonable they become with 80% AMI of Catoosa, Walker, or Hamilton being $72,560.

The good news is, that if you are in that 80% AMI range, there are some excellent programs available.  Two offered by first bank are FirstStart, a conventional FTHB loan up to 105% LTV or BetterAffordable, a FTHB conventional loan up to 100% LTV.  Both of these loan programs feature Fannie Mae and Freddie Mac programs that provide lower interest rates than standard mortgages.

But what happens when you work hard, climb the “ladder,” establish good credit, pay down debt, only to find out you make too much money? Thankfully, FirstBank was still thinking of you!  We offer BetterFuture, one of the few, true no-income limit conventional FTHB loans!  We spent over half a year working with Fannie Mae and Freddie Mac, those two big quasi-governmental agencies that setup the guidelines on conventional loans, to create a product that works for all incomes. The program requires a minimum investment of $1,000, but AMI is irrelevant.

Finding the right lending partner

The bottom line is this: A good loan officer will ask the right questions, collect the right documents, and identify the right program.  But, it is helpful to be aware of the process and through the process.  Ready to get started?  Let’s talk!

Example: On a $300,000, 30-year loan with 0% down payment, the total monthly mortgage payment with a rate of 6.99%, 7.066% APR would be $1,976, taxes and insurance not included. The FirstStart Loan requires a borrower investment of $500. The BetterAffordable and BetterFuture Loan requires a borrower investment of $1,000.  The borrower investment can be used towards any closing costs, including appraisal. Application is required and subject to underwriting. Not all applicants are approved. Full documentation and property insurance required. Loan secured by a lien against your property. Fees and charges apply and may vary by product and state. Terms, conditions and restrictions apply, so call for details. FirstBank Mortgage provides a variety of loan products with different rates, payments and fees. All loans are subject to credit approval. Products and services offered by FirstBank. FirstBank Mortgage is a division of FirstBank. FirstBank Institution NMLS ID 472433.

Get Started

Ultimately, the Pratt Home Builders team is the first start place. Once you have had a Discovery Call to get ideas on the best community for you, a Pratt New Home Consultant, who are all licensed Realtors, can offer more information on the various options whether a personalized build or a designer market home is right for you, and which of their vetted lending partners is the best fit for that goal.

 

Financial Matchmaking: Find the Right Loan for Your New Home Goals2025-09-26T11:55:42+00:00

Community Spotlight: Bainbridge

While sometimes there are some fun questions from Chatta-newcomers about how to pronounce “Ool-te-wah”, one thing there’s never uncertainty about is that it’s a great place to live!

Just 15 minutes from the TN/GA split, according to the TDOT signs, it’s been a convenient place to call “home” for many Pratt customers throughout the years. With convenience to our mid-size city of Chattanooga, Tennessee, Ooltewah still offers a charm of its own. Just 10 minutes from Hamilton Place mall, the local shopping mecca, Ooltewah itself boasts a nice Publix shopping center and the ever-popular Cambridge Square, a local town square featuring local restaurants and boutiques. Many of our best-loved communities throughout the last five years have been tucked away just across the interstate for little more rural lifestyle that doesn’t sacrifice style or convenience.

The Pratt Home Builders Ooltewah community-to-watch in 2024 is Bainbridge. Just 5 minutes from Interstate access, Bainbridge is nestled between I-75 and Ooltewah-Georgetown Road for ultimate convenience. Nice and level, it’s a great place for walking with sidewalks lining both sides of the streets. The pool area will feature a pool house and plenty of lounge chairs to enjoy time with family and friends. Bainbridge offers spacious homesites that accomodate many of Pratt’s best loved home plans, thoughtfully designed by our in-house team of construction and design experts.

At this stage, Pratt customers can enjoy choosing between two options: Pre-sales, which give the opportunity to select homesite, home plan and all the finishes of your beautiful new construction home OR designer market homes, which are thoughtfully-designed by our in-house team so they offer stylish finishes without the longer timeline or having to make all the decisions.

When it comes to Pre-Sales, here are some of our beloved home plans we expect to be popular in this community in 2024:

  • Some of our favorite plans include The Emory, which can be built on many homesites at Bainbridge. The Emory is a spacious ranch home with an open kitchen and living room, with plenty of natural light along the back of the home. For customers who are looking to have everything on one level, but who still may need some extra space, this home plan is a great blend of features.
  • Another popular favorite home plan that can be built in Bainbridge is the Peachtree. The Peachtree is a two-story home with great curb appeal, offering a dining area we’ve seen many customers use as a library, office, or sitting room. It also has a spacious guest room on the main with a full bath, perfect for a teenage suite or giving visiting parents a place of their own on the first floor. A beautiful staircase brings residents to a showstopping main bedroom and spacious bathroom, complete with two additional bedrooms and the option of adding a bonus room.
  • Another great option to build at Bainbridge is the Waterford home plan, which is a main bedroom down home plan with remaining bedrooms upstairs. With a dedicated home office, dining room, and open kitchen and living room, this home plan offers style and space on the main level, with cozy additional bedrooms tucked upstairs.

For customers who prefer to leave the details to the experts, our designer market homes are a great option to for a less-involved experience for customers who need a quick-move-in or who may prefer to leave details to our experts. Below are the finishes of some homes currently available at Bainbridge. *Please note: Call to verify availability of current homes.

Community Spotlight: Bainbridge2025-11-25T13:31:29+00:00

Our Favorite Fall Hikes Around Greater Chattanooga

Peak Color Season is here. In Tennessee and North Georgia, late October is typically when the tree-covered mountains come alive with vibrant reds, sparkling golds, and brilliant orange tones that enhance the area’s rolling terrain and compliment those stunning fall sunsets.

Whether you’re new to the area, or simply have more time for enjoying the area after moving to one of our low-maintenance communities, here are 7 of our team’s favorite hikes close to town and within a short driving distance to feast your eyes on during fall color season!

McCoy Farms on Signal Mountain

Just a short drive from a our Sanctuary at Signal Forest, McCoy Farms is free and open to the public seven days a week, McCoy Farms offers 38 acres of green fields, lush walking trails, native pollinator gardens and more. Visit the historic home onsite or take a tour of the apple orchard for some festive fall fun.

Rainbow Lake 

If you want to make a day of it, Rainbow Lake is a beautiful family and dog-friendly option with easy to moderate terrain, sweeping natural views of trees and rock formations, a swinging bridge and rolling hills. End the day with lunch at on the park benches at the nearby local grocer, Pruett’s, patio for the authentic fall on Signal Mountain experience. Otherwise, keep going and enjoy a hike up to the apex at Signal Point, or check out the secret hike to Rainbow Falls.

Snoopers Rock

Take the scenic route for a favorite local photo-opp during peak fall color season and year round without all the work of a longer, strenuous hike, check out Snooper’s Rock. The sweeping view of lush mountain-covered trees is just a 30 minute drive from Downtown Chattanooga. Then, hike just a quarter of a mile to see the iconic rock jutting out over the picture-perfect view of river-meets-mountains.

Edwards Point

The river runs through it – this majestic view located off the Cumberland Trail is truly a showstopper any time of year. It’s hard to summarize the beauty any better than the Tennessee River Gorge Trust: “Edwards Point looks over the upper section of the Tennessee River Gorge. To the east of the point is the Middle Creek drainage and confluence with the Tennessee River. Williams Island, the entrance to the Tennessee River Gorge, is the distant east with Chattanooga in the background. To the west is a spectacular view of the river gorge with Elder Mountain on the river’s left bank and Signal Mountain along the right bank.”

Falling Water Falls

Just 10 miles north of Chattanooga is one of the most popular waterfall hikes around. Falling Water Falls is a 110-foot high waterfall off the Little Falling Water Creek that drops off the Cumberland Plateau. Explore 136 acres of a mixed “mesophytic” oak-hickory and oak-pine forests as you take in the relaxing sights and sounds.

Sunset Rock

Home to over 30 hiking Trails, one of the Chattanooga and Chickamaugua National Military Park’s most popular trails is a 4.5 mile moderately challenging trek up to Sunset Rock. With many interesting twists, turns and options of additional trails along the way, this area trail offers a plethora of beautiful views to enjoy up close and at a distance.

Cherohala Skyway

For a day trip or weekend adventure through fall and into the colder months, the Cherohala Skyway takes visitors near the scenic Tellico Plains and infamously curvy “Dragon’s tail“, which are worthy adventures in and of themselves. The name “Chero-hala” is due to the fact the road crosses both the Cherokee and Nantahala National Forests.

Our Favorite Fall Hikes Around Greater Chattanooga2025-11-25T13:32:02+00:00

Exploring Cleveland, Tennessee with Pratt’s Trails at Freewill Preferred Lender

The Trails at Freewill in Cleveland, Tennessee officially opened this week with new construction single-level and two-level home plans! This community is just minutes from the interestate, off the corner of Candies Lane and Freewill Road. This community will be the first of its kind in Cleveland with a resort-style pool and pool house, as well as sidewalks and lighting throughout. We kicked off with nearly half of our first phase having site reservations, but there are plenty of opportunities to call this picturesque community home.

Just a short drive from both Chattanooga and Knoxville, Cleveland offers the big city conveniences with a small town feel. We caught up with our preferred lender, Bruce Seigel with Movement Mortgage, who also has a home in Cleveland, to learn more about getting qualified for this exciting new community and to hear more about what local adventures he recommends to customers interested in calling this location “home”.

 

The Trails at Freewill Community Logo

 

Chatting with Preferred Lender Bruce Seigel of Movement Mortgage

What are you looking forward to most about The Trails at Freewill in Cleveland? I’m excited to be a part of helping homebuyers finance a new home in a unique Cleveland subdivision that was specifically designed to facilitate Community

Why should prospective customers contact you sooner rather than later when considering a new construction home purchase? The more lead time we have the more we are able to optimize their financing package and lock in the best rate available prior to close (extended lock and lock and shop)

What are some great ways first-time home buyers can poise themselves to move forward on a new construction home at this community? Get your preapproval now!

What are some ways customers who are looking to downsize can prepare to move down to a lower maintenance, new construction home? Have a yard sale to declutter yourself from items that no longer bring you “bliss”

 

What are your favorite restaurants in the Cleveland area? Longhorn, Aubrey’s, Cheddars and Five Guys

What are your favorite outdoor adventures in the Cleveland area? The Greenway, Benton Falls/Chilhowee and Chesnut Mtn.

What do you love about the Cleveland location’s small town feel? There are plenty of big box stores for conveniences, but is small enough to be friendly

What do you like about Cleveland’s proximity to Chattanooga and Knoxville? Conveniently almost smack dab in the middle of two great cities

What else should prospective customers know about building or purchasing a new construction home with Pratt Home Builders? Simply put, Pratt is the #1 local builder for a reason and we are excited to show you why!

Exploring Cleveland, Tennessee with Pratt’s Trails at Freewill Preferred Lender2023-04-06T14:22:22+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

Design Details: Interior Doors

Interior Doors are easy to overlook – until they’re not. You know the old, hallow, orange-wood doors at Grandma’s house that match the wood paneling accent wall in their basement? Those are not the kind of statement interior doors that are breaking into 2020. We are talking about the modern and trending interior doors that everyone should be buying this year.

Sleek and simple is the name of the game at the start of this new decade, which is why we are starting with the classic stile and rail, or panel, door. These classic two, four or six paneled doors have been a popular choice since the mid-1900’s. While this style door has been around for quite a while, it is a classic style that is taking on new, leaner features that allow it to stay relevant. The panels have become much simpler over time and the ornamental details have minimized. Even the six panel doors have taken on a more modern design than they once had, giving them a step up from something trending that will be out of style in a few years. While six panel doors are still an active player in the game, the two-panel door remains the star of the show.

While it’s never a bad idea to go with a classic, sometimes the edgier, more trending interiors pull at homeowner’s heartstrings. If this is you, an exterior mounted sliding-track barn door might be right for you. This interior element acts as an architectural detail, framing cased openings as the center of attention in any room. The spotlight cannot help but shine on this feature, as it silently claims all attention.

This is not your ordinary interior door—the metal frame of the door adds an industrial look and depending on what door you choose, anything from a modern to farmhouse to traditional look can be achieved. Some opt for a rustic look to match interior farmhouse style décor. To achieve this, add a pop of Barn-wood red paint on the door or use old, reclaimed wood to tie in the rustic feel of the other interior design choices.

If your style is a little more modern or industrial, look for a two-panel shaker style door—for extra pizzazz, use glass inserts on the recessed panels of the door. Frosted glass can make a huge impact if you’re wanting something more streamline than wood but don’t want to lose the privacy of a solid door.

Interior doors are something that are easy to forget about but can make a lasting impact if the details are not overlooked. Remember when selecting interior accents and décor to find a theme or color pallet you love and can stick to long-term. This will help your home feel cohesive and well put together. Choose accents that follow similar themes, materials, textures and colors that will allow your home to host a complex environment that is layered with pieces you love. Doors are just one piece to the puzzle!

Design Details: Interior Doors2025-11-25T13:33:18+00:00

Introducing Engel Park: Your New “Home Base” in East Brainerd

Our newest community is now open! Engel Park is located on Julian Road just off of East Brainerd Road in Chattanooga, Tennessee.

It features single family homes in Phase I with townhomes scheduled for Phase II. With both single level and two-story homes available, this community is perfect for a wide range of homeowners. Prices start in the mid 200s.

Pratt Home Builders offers two choices: pre-sales (buyer chooses the homesite, home plan and all finishes) or market homes (homesite and home plan selected by our production team and finishes curated by our in-house design team).

Introducing Engel Park: Your New “Home Base” in East Brainerd2025-11-25T13:24:56+00:00

How to Choose the Perfect Front Door for Your Home

Whether it’s draped in a Christmas wreath, guarded by a fun, fall-quoted mat or framed with blooming florals, your front door should be a statement when it comes to the exterior of your home. Reds, yellows, blues—oh my! The options are quite literally endless and once you add stains to the mix, it can become a little overwhelming to commit to a pallet. So how do you know what color front door is right for you? Your front door should be as individual as you are and make a statement while still tying into the rest of your home. It’s important to note the other colors and tones on the exterior of your home before sealing the deal on a paint color.

When you are looking for a refresh on an old door or just deciding which direction to go with a new one, look to the colors in the brick, siding or stone that frames your front door. Is there lots of texture and movement? Are you looking at an achromatic or monochromatic scheme? The easiest way to create a pallet is to find the colors present and pull from those. The hints of blue or red in a monotone brick are what can turn a random burst of color into a purposefully picked theme on your front porch.

When it comes to making a statement on your front porch, it’s important to keep in mind the long-term design of whatever you choose. Does your front porch receive a make-over during the holidays? If so, what color is your fall and winter décor? If you’re bouncing between themes and color pallets, you might opt for a classic stain or neutral swatch so that the façade is not dictating what décor you can use. If you routinely use one color pallet—for example, if your fall décor is made up of warm tones like reds and oranges, and your winter décor also plays off a similar bright red color—you may choose a warm-toned door. This allows your entryway to become a part of your decoration. If you want it to stand out from the color pallet you use when decorating, pick a complimentary color to play off the décor you have; however, if your Halloween pieces and Christmas wreath have no correlation, definitely go with something more transitional like a rustic grey or classic stain so that your front porch can path the way for the theme of your home.

Whatever color pallet you choose for the front of your house, let it make a statement and be the focal point as the entrance to your home. Let your creativity take flight and put your own mark on the home you love to live in.

How to Choose the Perfect Front Door for Your Home2025-11-25T13:34:00+00:00
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