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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|...

4.97
(450)
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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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Overall Ratings
4.97
(450)
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Reviews from Web
  • 5.0
    Encompass
    B
    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.
  • 5.0
    Encompass
    R
    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...
    read more
  • 5.0
    Encompass
    H
    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.
  • 5.0
    Encompass
    H
    Hannah F
    Rainsville, AL
    Posted on July 3rd, 2026 12:40 PM
    Karen was just so easy to work with and very fast to respond to any question!
    Reply from Karen Sims
    July 6th, 2026 12:41 PM
    Hannah, I'm glad to hear that you found it easy to work with me and appreciated the quick responses to your questions. If there's anything else you need, feel free to reach out.
  • 5.0
    Encompass
    C
    Clara R
    Flintstone, GA
    Posted on June 14th, 2026 04:38 PM
    It was a simple, well curated process.
    Reply from Karen Sims
    June 17th, 2026 04:39 PM
    Clara, I'm pleased to hear that the process felt simple and well-curated for you. If there's anything else I can assist you with, please let me know.
  • 5.0
    Encompass
    S
    Samantha J
    Trenton, GA
    Posted on June 14th, 2026 02:05 PM
    Karen answered all my questions and educated me through the process so I felt comfortable and confident moving forward with the sell and buy of my homes.
    Reply from Karen Sims
    June 17th, 2026 02:06 PM
    Samantha, I'm grateful to hear that I could help you feel comfortable and confident throughout the process. It's important to me that all your questions are answered and you're well-informed. If there's anything more I can do for you, please...
    read more
  • 5.0
    Encompass
    A
    Ashley F
    Ringgold, GA
    Posted on June 12th, 2026 01:51 PM
    Great customer services and great communicatio! We are returning customers and both times were cery pleased.
    Reply from Karen Sims
    June 15th, 2026 01:52 PM
    Ashley, I'm thankful for your kind words and for choosing to work with me again. It's wonderful to know that both experiences were positive for you. If you ever need further assistance, please feel free to reach out.
  • 5.0
    Encompass
    A
    Ashley H J
    Signal Mountain, TN
    Posted on June 9th, 2026 12:25 PM
    Karen was prompt with communications and followed up on any questions that we had during the process
    Reply from Karen Sims
    June 12th, 2026 06:54 PM
    Ashley, I'm glad to know that my prompt communication and follow-up were helpful during the process. If you have any more questions or need further assistance, please don't hesitate to reach out.
  • 5.0
    Encompass
    C
    Cameron L A
    Rainsville, AL
    Posted on May 29th, 2026 10:11 AM
    How quick and easy it was, with her being in top of everything .
    Reply from Karen Sims
    June 1st, 2026 04:36 PM
    Cameron, I'm pleased to hear that you found the process quick and easy. It's great to know that my efforts to stay on top of everything made a positive impact. If you have any more questions or need assistance, please feel free to reach out....
    read more
  • 5.0
    Encompass
    L
    Lauren L
    Trenton, GA
    Posted on May 19th, 2026 11:33 AM
    Karen was so helpful in explaining the loan process as well as everything I'd need to successfully secure financing. I would recommend working with her to anyone!
    Reply from Karen Sims
    May 22nd, 2026 04:17 PM
    Lauren, I'm grateful for your kind words and for recommending me to others. I'm pleased to hear that my explanations helped you understand the loan process and secure financing. If you have any more questions or need further assistance, feel...
    read more
  • 10 of 450
    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.