Mortgages/Loans

Strength in Mortgage Lending

Tami Barber Southerland in Johnson City, TN works directly for Encore Lending Group. Encore is a well-known name in the home mortgage loan business and has a strong presence in Tennessee. With Tami’s experience and the financial strength of Encore, we can make a difference for our customers. 

Conventional Loans

This simple loan is one that is available through a private lender, such as myself, that is not guaranteed or insured by a government agency. This loan may require mortgage insurance or higher down payments than other loan options. For a loan backed by a government agency, check out our FHA, USDA, and VA loan options.

FHA Loans

A Federal Housing Administration (FHA) loan is simply a mortgage that has been issued by an approved FHA lender and is insured by the FHA. These loans often have lower down payment and lower credit score requirements, so can be a good option for first time home buyers.

USDA Loans

A U.S. Department of Agriculture (USDA) loan is issued by an approved USDA lender and is insured by the USDA. These loans are designed for low-income loan applicants who live in rural areas who may not qualify for a conventional loan. They offer 100% financing so no down payment is required.

VA Loans

A U.S. Department of Veteran Affairs (VA) loan is backed by the VA and is offered as a benefit for veterans and active duty military members and families. A VA loan typically has a lower interest rate than a conventional loan and does not require a down payment or mortgage insurance.

Tami Barber Southerland in Johnson City, TN can help you secure an FHA loan. Call 423-943-9269.

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