Business Details
25 Years
experience
Trusted Knoxville Mortgage Solutions for Home Buyers and Refinancers
Real Estate Finance Group has been a trusted Knoxville mortgage provider for over 25 years, closing more than $1 billion in loans. We specialize in personalized mortgage solutions, including conventional, jumbo, FHA, VA, DSCR, and ARM loans, tailored to meet diverse financial goals. Our team prioritizes integrity, transparency, and client education, ensuring a seamless financing process. With deep local market knowledge and partnerships across Tennessee, we empower clients to make informed decisions. Recognized as Expertise.com's Best Mortgage Lender, we combine industry expertise with a commitment to long-term relationships.Our streamlined approach eliminates unnecessary fees while maintaining competitive rates. Whether purchasing a first home, refinancing, or investing in property, our experienced professionals guide clients through every step. We pride ourselves on responsiveness, having earned consistent recognition as a top UWM producer nationally. Our mission remains focused on empowering clients through financial clarity and exceptional service.
Services
Conventional Loans
Jumbo Loans
FHA Loans
VA Loans
DSCR Loans
ARM Loans
Refinancing
Construction Loans
Commercial Financing
Private Banking
Details
- Year established: 2001
Highlights and features
- 25+ years of local mortgage expertise with $1B+ in closed loans
- Transparent pricing with no hidden fees or junk charges
- Personalized loan options for first-time buyers to seasoned investors
- Recognized as top 1% UWM producer nationally
- Dedicated support through every step of the financing process
Associations and certifications
- Expertise.com Best Mortgage Lender
- Platinum Rated Mortgage Broker
- UWM Top 20 Purchase Loan Officer
What people say
Total professional
Responsive and knowledgeable
Seamless process
Best mortgage experience
Highly recommend
Services
Conventional Loans
Traditional mortgage options not government-backed, ideal for borrowers with strong credit and stable income. Offers flexible terms and competitive rates for primary residences, second homes, and investment properties. Our team helps clients navigate requirements to secure optimal financing solutions.
DSCR Loans
Rental property financing based on property cash flow rather than personal income. Designed for real estate investors seeking to expand portfolios without traditional income verification. We analyze debt service coverage ratios to determine eligibility and loan amounts.
VA Loans
Exclusive mortgage benefits for eligible veterans and service members with zero down payment options and favorable terms. Our specialists guide clients through VA requirements to maximize benefits while ensuring compliance with military service guidelines.
Refinancing
Strategic refinancing solutions to reduce monthly payments, consolidate debt, or access home equity. We evaluate current market conditions and client financial goals to determine optimal timing and loan structures for improved financial outcomes.
Jumbo Loans
Financing for luxury properties exceeding conventional loan limits. Tailored for high-value home purchases with specialized underwriting considerations. Our experts help clients meet stringent requirements while securing competitive rates for premium real estate investments.
People
Neal Bailes
Founder & President
Mortgage industry leader with 25+ years experience, closing $1B+ in loans. Recognized nationally as top 1% UWM producer. Specializes in innovative financing solutions while maintaining strict ethical standards. Committed to client education and transparent lending practices.
Questions
What mortgage services do you offer?
We provide conventional, jumbo, FHA, VA, DSCR, ARM loans, refinancing, construction financing, and private banking options for Tennessee residents.
Are you licensed to operate in Tennessee?
Yes, we hold NMLS license #182249 and have served Tennessee borrowers since 2001 with both residential and commercial financing solutions.
How do DSCR loans work?
DSCR loans qualify borrowers based on rental property income rather than personal earnings, making them ideal for real estate investors expanding their portfolios.
Can first-time homebuyers get assistance?
Absolutely. We specialize in guiding first-time buyers through FHA programs and other affordable options with down payment support and education.
What sets you apart from big banks?
Our local expertise, personalized service, and transparent fee structure differentiate us from institutional lenders, with a focus on building long-term relationships.
How quickly can you close a loan?
Most transactions close within 30 days through our streamlined process, with expedited options available for qualified borrowers needing faster timelines.
