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Mike Talley

Vice President of Mortgage Lending
7405 Shallowford Rd, Ste 380 B&C, Chattanooga, TN 37421
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NMLS: 925031
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TestimonialsCustomer testimonials Read more

We were buying our first home and Mike made obtaining the loan the easiest part. Mike was always available to help guide us through the process. He is very knowledgeable and treated us as if we were friends. He made sure we had all of our records and paperwork that we needed in order for the loan to process without a hitch. We would definitely call him in the future if we need another home loan.

Eric and Heather D. 02/12/2016

I appreciate the opportunity to comment on my experience working with Mike Talley on my recent home loan. My wife and I were very pleased with Mike's level of professionalism and personal approach to our loan. He provided us with all the information that was needed to make a difficult process smooth and understandable. One thing that we appreciated was the feeling that he always answered the phone with a smile. He made us feel that our loan was his top priority, and we trusted his council.

David M. 02/10/2016

About Mike

Licensed in multiple states, Mike is able to serve the entire Chattanooga community with the best selection of mortgage products and the highest level of service available anywhere. Regardless of your specific situation, Mike can help you find the right loan best suited for your needs. With over 27 years experience in the housing industry, including mortgage origination, real estate, investment housing and property management, he understands situations and circumstances because he's "been there and done that". Mike is a graduate of Auburn University and is married to Pam, a dental hygienist in nearby Cleveland. Together, they served as missionaries in Fiji and South Africa, as well as multiple short-term stints in other countries. They are also active at Silverdale Baptist Church. For recreation, they enjoy hiking, camping, golf and travel and as much time as possible with the grandchildren.

Mike interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the housing business for over 30 years, in one capacity or another. I love this business. Buying a home is one of the biggest decisions we make, so I thrive on being able to help my clients get the absolute most for their purchasing dollar. I am motivated to help others during a time when professional expertise is greatly needed.
What advice would you give new or first time home buyers?
New or first time home buyers will get the absolute best deal possible on their home purchase if they are properly pre-approved by a reputable lender like Guaranteed Rate. The best realtors are ready to help them, and sellers are more likely to negotiate to settle the sale for a lower price when they know the buyer has the ability to close the loan in a timely manner with no hassles and no surprises. I can do that for you if you call me or go online for a fast, free, easy no-hassle pre-approval.
What can borrowers do to insure a smooth mortgage underwriting process?
The underwriting process is much smoother and with less hassles if you anticipate what is needed and provide it ahead of time. This is done when you work with an experienced mortgage professional that understands the many loan products, knows the specifics of your situation, and can prepare you in advance for the exact documents needed. It is so much smoother when you know the road ahead, when you know where the "holes in the road" are!
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Based on my personal beliefs and life experiences, I believe that one of my roles in this life is to give back at least as much as I take; to my family, to my community, to my church, to my world. To do that, I not only give, but I volunteer to help others who may need some help at a particular moment in time. What that looks like for me is ever evolving as I grow and learn of new opportunities, but what never changes is the need and the chance to get back more than I give.
Tell us something that makes you unique or something wacky, yet interesting about you?
One of my favorite hobbies is backpacking, especially with my children. We only go in the colder months and recently hiked in North Carolina about 18 miles in 3 days. Night time temps were below 20 degrees, and we loved it!

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