Mortgage Loans in Tennessee

I'm Joe Gross, a mortgage broker licensed in Tennessee, and I help homebuyers across the entire state — from Kingsport, Johnson City, and Bristol to Knoxville, Chattanooga, Nashville, and Memphis.

As a broker (not a bank), I shop multiple lenders to find the loan terms that fit your situation, instead of fitting you into one bank's box. That matters in Tennessee, where a first-time buyer in Johnson City and a VA buyer in Clarksville need very different loans.

Loan programs I work with in Tennessee:
- Conventional loans (Fannie Mae / Freddie Mac)
- FHA loans — low down payment options for qualifying buyers
- VA loans — for veterans, active-duty military, and eligible spouses
- USDA loans — built for rural Tennessee, including much of the Tri-Cities area
- THDA programs — Tennessee Housing Development Agency down payment assistance for eligible buyers
- Refinance — rate-and-term and cash-out

Areas I serve in Tennessee: Kingsport, Johnson City, Bristol, Knoxville, Chattanooga, Nashville, Memphis, Clarksville, Murfreesboro — and everywhere in between. Licensed statewide.

Why work with a local broker: When your offer competes against others, listing agents know me and know my pre-approvals hold up. That phone call from a local lender has won my buyers houses.

NMLS: Joe Gross NMLS #2286533 | Encore Lending Group NMLS #1249911. Licensed in TN and VA.

Call or text (304) 561-4957 or email Joe@EncoreLG.com for a free consultation.