Tim Summers
Branch Manager
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NMLS ID# 64124
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Tim
Boasting over 30 years of mortgage expertise, I create tailored loan solutions that not only fulfill but surpass client requirements, establishing enduring partnerships grounded in trust, knowledge, and exceptional service. I specialize in USDA, VA, and FHA loans with a passion for helping first-time home buyers navigate the path to homeownership. Backed by a strong history in credit repair and budget counseling to help clients qualify with confidence.
I am licensed in: TN, KY
Very easy to work with Tim.
Andrew P.
Verified Customer
July 28, 2026
I now have a better understanding of how this works thano to Tim who broke things down for someone who only had a general idea of how the home buying process goes!
Juli-hannah L.
Verified Customer
July 26, 2026
My experience working with Tim on my mortgage was outstanding! I was moving from out of state, and everything was completed online and communication via email, text, and phone. Tim explained everything very thoroughly and made it very easy to understand. I would highly recommend working with Tim - this was the best experience I've ever had with a mortgage.
Dustin P.
Verified Customer
July 26, 2026
Tim was very thorough and informative throughout the entire process . His communication was top-notch, and he was quick to answer any questions we had. He stayed ahead of the game through every step and every step was executed in a very timely manner. Tim ensured our entire loan process was seamless, and we are so grateful!
Janna P.
Verified Customer
July 25, 2026
The entire process was incredibly smooth from start to finish. Communication was excellent, and every question I had was answered quickly and clearly. The combination of professionalism, responsiveness, and guidance made buying my home much less stressful than I expected. I always felt informed and supported throughout the process, and everything came together seamlessly. I truly appreciate all the hard work and would highly recommend Tim to anyone looking for a great lending experience.
Ty M.
Verified Customer
July 21, 2026
Working with our mortgage lender was an outstanding experience from start to finish. He made what can often be a stressful process feel easy and manageable by keeping us informed every during the entire process
Dennie M.
Verified Customer
July 21, 2026
Tim was a very plesant guy to work with! He made everything very easy! Would recommend him to anyone!
Lynnley B.
Verified Customer
July 1, 2026
very informative, responsive, and respectful highly recommend
Nathan S.
Verified Customer
July 1, 2026
Tim Summers was incredibly knowledgeable throughout the entire loan process and made us feel comfortable every step of the way. As first-time homebuyers, we had a lot to learn about home loans, and Tim took the time to patiently explain everything and answer all of our questions. His expertise and willingness to educate us gave us confidence during what could have been an overwhelming experience. As busy working professionals with a family, we also really appreciated how much of the process could be completed online. It made everything far more convenient and allowed us to keep moving forward without disrupting our work and family responsibilities. The entire Lower team was outstanding as well. Their support staff was responsive, organized, and easy to work with, and thanks to everyone’s efforts, we were able to close on our home ahead of schedule. We couldn’t have asked for a better experience.
Joseph M.
Verified Customer
July 1, 2026
The transaction was very smooth. Made it just as simple and easy as possible. Fit with my schedule so well.And I greatly appreciate all that they've done.
Marshall B.
Verified Customer
June 13, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.