Mortgage Loan Originator
Licensed In: TN
NMLS# 2818096
E: luther.palmer@mottomortgage.com P: (423) 298-1465
Hi, I'm excited you've dropped by! 😊
I am thrilled to offer you my services as your mortgage loan originator, built on more than two decades of hands-on experience in real estate across the Greater Chattanooga and North Georgia markets. Having guided clients through countless transactions as a Realtor, I understand the homebuying journey from every angle—and how critical the right financing strategy is at every stage of life. I’m passionate about helping clients navigate that process with clarity, confidence, and a plan tailored to their life’s dreams and goals.
Beyond real estate sales, I’ve been an active real estate investor for nearly three decades. I’ve personally gone through the mortgage process many times, having had the same questions and concerns clients often face. Combined with my MBA in Management, an A.S. in Accounting, and prior experience as a plant manager, I bring a thoughtful, well-rounded approach to structuring financing solutions that work for each individual client.
Outside of work, I enjoy an active and adventurous life with my wife and our two teenagers. From kayaking and bicycling to camping and traveling, we’ve explored all 50 U.S. states and several countries—with Australia next on the list.
As a loan originator, my mission is simple: to deliver exceptional service grounded in experience and integrity, while helping clients confidently achieve their homeownership dreams and goals.
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Mortgage Loan Originator
Motto Mortgage | NMLS: 2818096