Teresa Mustar in Chattanooga: A Keller Williams Agent Focused on Downtown and North Shore Relocations

Teresa Mustar is a residential real estate agent at Keller Williams Realty operating in the Chattanooga market, where she works primarily with buyers relocating to the area and sellers in North Shore and downtown neighborhoods.

What She Actually Does

Mustar operates as a listing and buyer's agent under the Keller Williams franchise, which assigns her a percentage of commission rather than paying her a salary. Like all agents in Tennessee, she holds a state license and earns money only when a transaction closes. Her stated focus is on helping out-of-state buyers navigate the Chattanooga market and assisting sellers in higher-demand zones, particularly the North Shore area near the Riverwalk and downtown lofts near the Choo Choo and River Street.

How Buyer's Agent Representation Works

When Mustar represents a buyer, she typically earns 2.5 to 3 percent of the final sale price, paid by the seller's agent from the listing commission (usually split 6 percent total between listing and buyer's agents). The buyer pays nothing directly to Mustar. Her role includes showing properties, writing offers, managing inspections and appraisals, and coordinating closing. She does not appraise homes, conduct inspections, or provide legal advice; a buyer's attorney or title company handles closing documents in Tennessee.

A listing agent, by contrast, markets the property, stages advice, and handles showings; the seller typically pays both commissions at closing. Mustar can work either side or both.

How to Evaluate Mustar Against Other Chattanooga Agents

Keller Williams is the largest real estate franchise globally and operates a training system and lead-generation platform; agents at other major franchises like RE/MAX, Coldwell Banker, or independent brokerages may offer comparable services but different technology support and in-house resources. Chattanooga's market includes both franchise agents and brokers like CBRE and JLL that focus on commercial or investment properties. Choosing between them depends on your transaction type: a luxury condo sale downtown might suit a smaller boutique brokerage with downtown ties, while a buyer new to the region might prefer a franchise agent with standardized processes and CRM (customer relationship management) tools.

Mustar's emphasis on relocations suggests experience with out-of-state financing, appraisals, and timing delays that plague long-distance moves. Her North Shore focus reflects demand in that submarket, where median home prices in 2023 were higher than surrounding areas and inventory moved faster. If you are selling a starter home in East Brainerd or buying a foreclosure, her specialty may not align with your needs; a generalist or an agent with investment property experience might be better.

Who This Works For and Who It Does Not

Mustar suits buyers relocating from outside Tennessee who want an agent familiar with coordinating between their current lender, the Chattanooga market, and tight closing timelines. Her North Shore and downtown focus also appeals to sellers in those neighborhoods who benefit from her market knowledge and local network.

She is less relevant if you are buying a rural property outside the metropolitan area, selling a commercial building, or seeking investment property analysis. If you are a cash buyer with no financing contingencies or a for-sale-by-owner seller, you may prefer minimal agent involvement and lower commissions.

First Contact and Next Steps

Reaching Mustar typically begins with a phone call or email through her Keller Williams office or website. She will ask about your timeline, whether you are buying or selling, your budget or asking price, and your location preferences within Chattanooga. If she represents the buyer, she will request preapproval documentation and may send you MLS listings matching your criteria. If you are selling, expect a market analysis of comparable sales (sold prices, days on market) and a commission proposal.

No fee is due for an initial consultation. Many agents require a buyer's agent agreement (a non-exclusive contract) before showing properties, though Chattanooga custom is often informal. If you are selling, a listing agreement locks in the agent and commission rate for a set period, usually 90 to 180 days.

Verification Note

Commission rates and agent specialties change; contact Mustar's office or the Tennessee Real Estate Commission (TREC) website to confirm current details and licensing status.

Teresa Mustar fills a specific niche in Chattanooga's residential market for buyers and sellers who value familiarity with North Shore dynamics and interstate logistics. Her position within Keller Williams' infrastructure matters as much as her individual experience.