Tim Summers
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, GA, AL, FL
Tim explained everything, walked us through every step, and was detailed . The communication through the whole process was amazing !
Amenjelia C.
Verified Customer
November 3, 2026
Tim and his staff are on topand very knowledgeable. Every step they told me to take, in every professional contact they put me in touch with was top notch.
Mary J.
Verified Customer
October 29, 2026
Tim led us through every step of our home buying process. We had steps that we need to take to fix things and he drew out a map for success that was so easy to follow. I would highly recommend Tim and Lower Mortgage to anyone looking to buy a hom.
Joe J.
Verified Customer
October 23, 2026
How fast he got it done
Lane G.
Verified Customer
October 1, 2026
Everything seemed to move great was super understanding and was not hard to understand
Timothy V.
Verified Customer
September 30, 2026
We had a great experience with Tim.
Brianna G.
Verified Customer
September 28, 2026
Responsiveness and getting things completed efficiently.
Ashley E.
Verified Customer
September 24, 2026
Tim was very responsive anytime we had a question and we knew where we were in the process every step of the way.
Janet A.
Verified Customer
September 21, 2026
Tim provided great advice and was very communicative, friendly, and caring. He ensured that my wife and I understood every step of the process and was happy to answer any questions we had.
Blake B.
Verified Customer
August 30, 2026
Clear communication throughout the whole process.
Jonah V.
Verified Customer
August 19, 2026