Charity Kincaid is a Branch Manager at Alterra Home Loans with over two decades of experience in the mortgage industry. Specializing in renovation lending, FHA, conventional, USDA, first-time home buyers with down payment assistance, and VA financing, Charity leverages her extensive knowledge to guide clients through the mortgage process. Her expertise ensures clients achieve their homeownership dreams. A Chattanooga native, Charity is deeply committed to serving her community. She currently resides in Ooltewah with her spouse and three children.