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Karen Sims - Loan Officer | NMLS# 150336|TN: 108129| AL: 59063| GA: 28150 in Chattanooga, TN

Karen Sims

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Loan Officer | NMLS# 150336|TN: 108129| AL: 59063|...

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I was born and raised in Ringgold, Georgia I enjoy playing piano and I love music, reading, taking trips to the beach, and spending time with the grandchildren. Being an accountant was my plans throughout college. After obtaining a BS Degre... Show More
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Location & Business Hours
Business Hours
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
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Reviews from Web
  • Encompass
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    Scott A B
    Salem, AL
    Posted on September 15th, 2026 06:39 PM
    minimum ten characters.
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    Renee D
    Salem, AL
    Posted on September 15th, 2026 04:54 PM
    I absolutely LOVED working with Karen! She responded promptly to emails and answered all of my questions. She communicated with my clients and explained everything they needed to know and do. She is a joy to work with!
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    Mary L B
    Salem, AL
    Posted on September 15th, 2026 11:39 AM
    Karen was professional, kind, and supportive. She is unbelievably responsive and willing to take the time to address questions and she is an active listener. I wouldn't hesitate to request her services and would highly recommend her.
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    Morgan C J
    Trenton, GA
    Posted on September 10th, 2026 08:25 PM
    great communication and professionalism!
    Reply from Karen Sims
    September 14th, 2026 08:18 PM
    Morgan, I appreciate your kind words about my communication and professionalism. It's wonderful to know that you had a positive experience.
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    Debra K S
    Dunlap, TN
    Posted on September 2nd, 2026 12:24 PM
    Thi was as a rough experience for us buying our new home with no fault of Karen's. Karen went above and beyond to help us get through this. We would highly recommend Karen for anyone looking to get financing. All I can say is Karen was there...
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    Reply from Karen Sims
    September 7th, 2026 07:23 PM
    Debra, I'm grateful for your kind words and understanding during what was a challenging process. It's great to know that I could support you from start to finish. Thank you for recommending me, and I'm happy I could help with your home financing...
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    Chase J
    Chattanooga, TN
    Posted on July 30th, 2026 01:36 PM
    Always a great experience working with Karen!
    Reply from Karen Sims
    August 3rd, 2026 03:53 PM
    Chase, I'm glad to hear that you always have a great experience working with me. Your satisfaction is very important to me, and I look forward to continuing to assist you in the future.
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    Kathryn A C
    Chattanooga, TN
    Posted on July 30th, 2026 11:08 AM
    Karen Sims couldn't have been any nicer. She helped through out the whole process and answered all my questions with curtsey and compassion. I would highly recommend her to everyone. Thank you again Karen and all Highland Mortgage employees...
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    Reply from Karen Sims
    August 3rd, 2026 07:45 PM
    Kathryn, thank you so much for your kind words. I'm pleased to know that I could assist you throughout the process with courtesy and compassion. Your recommendation means a lot to me, and I'm grateful for the opportunity to help secure your...
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    Brenda M B
    Cleveland, TN
    Posted on July 11th, 2026 02:30 PM
    Very professional and kept me updated throughout the process.
    Reply from Karen Sims
    July 14th, 2026 02:30 PM
    Brenda, I'm grateful for your kind words. I'm happy to hear that you felt well-informed and appreciated the professionalism throughout the process. If there's anything more I can assist you with, please don't hesitate to reach out.
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    Rebecca O
    Rossville, GA
    Posted on July 11th, 2026 12:00 PM
    As a Realtor, I refer all of my clients to Karen Sims. I know my clients will be very well taken care of. I never worry about the process with Karen. She is on top of everything. My clients brag how easy the process is with her. She keeps me...
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    Reply from Karen Sims
    July 14th, 2026 08:01 PM
    Rebecca, I truly appreciate your trust and support in referring your clients to me. It's wonderful to hear that the process has been smooth and that my updates have been helpful for both you and your clients. I'm grateful for the opportunity...
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    Hannah F
    Rainsville, AL
    Posted on July 4th, 2026 10:32 AM
    As young first time homebuyers . Karen made the process very smooth and explain everything to me in a way I could understand . She is quick to respond and very easy to work with.
    Reply from Karen Sims
    July 7th, 2026 01:23 PM
    Hannah, I'm pleased to know that I could help make the process smooth and understandable for you as a first-time homebuyer. It was a pleasure working with you, and I'm here if you have any more questions or need further assistance.
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    About
    I was born and raised in Ringgold, Georgia I enjoy playing piano and I love music, reading, taking trips to the beach, and spending time with the grandchildren. Being an accountant was my plans throughout college. After obtaining a BS Degree from The University of Tennessee in accounting in 1992, I decided to work in the mortgage industry, starting as a loan processor and later becoming a loan officer. I love working with homebuyers and helping them to obtain the home of their dreams. Watching a first time homebuyer walk away from the closing table with the keys to his/her new home is priceless!
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Mortgage Refinance
    Specialities
    Mortgage Lending
    FHA Loans
    VA Loans
    Government Loans
    Purchase Loans
    Refinance Loans
    First Time Homebuyer Loans
    Conventional Loans
    View All
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    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS # 150336,TN: 108129, AL: 59063, GA: 28150
    Disclaimer

    Equal Housing Opportunity

    An Equal Housing Lender | Highlands Residential Mortgage, Ltd is located at 950 W. Bethany Drive, Suite 800 - Allen, TX 75013. | NMLS Identifier # 134871 www.nmlsconsumeraccess.org | A Texas Limited Liability Company registered under The Texas Department of Savings and Mortgage Lending Division of Licensing | Operating with the following licenses: AL Consumer Credit License #21266; AR Combination Mortgage Banker-Broker-Servicer License #109369; Arizona Mortgage Banker License #BK-1011006; CA-Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, Finance Lender Licensee #4131240; CO Colorado Mortgage Company Registration #134871. Regulated by the Division of Real Estate.; DC Mortgage Lender License #MLB134871; FL Mortgage Lender License #MLD968; GA Mortgage Lender License/Registration #37908; IA Mortgage Banker License #2018-0120; IL Illinois Residential Mortgage Licensee NMLS ID MB.6761013R (www.nmlsconsumeraccess.org). License by the Illinois Division of Banking, 320 West Washington St., Springfield, IL 62786, (217) 782-3000.; IN-DFI Mortgage Lending License #30529; KS Mortgage Company License #MC.0025127; KY Mortgage Company License #MC390233; LA Residential Mortgage Lending License; MD Mortgage Lender License #06-20712; MI Licensed by the Mississippi Department of Banking and Consumer Finance #134871 / Minn. Stat. Ann. § 58A.20; MO Company License #16-2132; NC Mortgage Lender License #L-157614; NE Mortgage Banker License #NE134871; NJ-Licensed mortgage banker n.s.--N.J. Department of Banking #134871; NM Mortgage Loan Company License; OH General Loan Law Certificate of Registration #GL.502014.000; OH Residential Mortgage Lending Act Certificate of Registration #MBMB.850279.000; OK Mortgage Broker License #MB002229; OK Mortgage Lender License #ML010007; Oregon Mortgage Lender License ML-5891; SC-BFI Mortgage Lender / Servicer License #MLS – 134871; TN Mortgage License #115557; TX-Texas – SML Mortgage Banker Registration #134871 https://www.sml.texas.gov/ConsumerInformation/tdsml_consumer_complaints.html; VA- Virginia Broker License #MC-5729. Virginia Lender License NMLS ID MC-5729 (www.nmlsconsumeraccess.org) NMLS ID #40889VA; Pennsylvania Lender License #75616; WA Consumer Loan Company License #CL-134871. This is not an offer for extension of credit or a commitment to lend.