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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
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
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5 Star
98%
4 Star
2%
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Reviews from Web
  • Encompass
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    Stephanie K
    Flat Rock, AL
    Posted on April 8th, 2026 08:57 PM
    Karen is the sweetest person and so wonderful to work with on every level !
    Reply from Karen Sims
    April 13th, 2026 04:44 PM
    Stephanie, I'm grateful for your kind words. It's appreciated to hear that you had a positive experience working with me. If there's anything else I can assist you with, please let me know.
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    Ricardo G
    Flat Rock, AL
    Posted on April 8th, 2026 05:58 PM
    Constant feedback and text made it very easy
    Reply from Karen Sims
    April 13th, 2026 07:49 PM
    Ricardo, I'm glad to hear that the constant feedback and communication made the process easier for you. If there's anything else you need, please feel free to reach out.
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    Jonathon E J
    Lafayette, GA
    Posted on April 3rd, 2026 01:39 PM
    Karen went above and beyond during the mortgage process, she was quick and responsive the entire time If we had any issues she made sure to help us out. Karen got us a quick closing, I would recommend her 100%!!
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    Reply from Karen Sims
    April 6th, 2026 01:40 PM
    I'm truly grateful for your feedback, Jonathon. It means a lot to know that you felt supported throughout the mortgage process. Your recommendation and trust in my work are highly valued. If there's anything more I can assist with, please feel...
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    Debora L C
    Trenton, GA
    Posted on April 1st, 2026 10:49 AM
    Karen was such a Great help I couldnt have made it threw everything without all her help. She was always there when ever I needed her and thats why it made the whole experience so much easier. Thank you so much Karen.
    Reply from Karen Sims
    April 6th, 2026 04:39 PM
    Debora, I really appreciate your kind words. I'm pleased to hear that my assistance made the process easier for you. Being there whenever you needed was important to me, and I'm glad it helped. If you have any more questions or need further...
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    Sonja S
    Whitwell, TN
    Posted on March 30th, 2026 10:37 PM
    Karen is readily available, always very helpful and Knowledgeable! Will certainly be recommending her to my clients again.
    Reply from Karen Sims
    April 3rd, 2026 05:30 PM
    Thank you for the kind words, Sonja. I'm pleased to know that my availability and knowledge have been beneficial. It's always rewarding to support you and your clients. If there's ever anything more I can do, please feel free to reach out.
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    Tim H
    Ooltewah, TN
    Posted on March 17th, 2026 07:40 AM
    Quick, friendly, individual service. Response to any questions within a short amount of time. Adaptability to changing situations with closing.
    Reply from Karen Sims
    March 20th, 2026 07:51 PM
    Thank you for sharing your experience, Tim. It's great to hear that you appreciated the quick and personalized service. I believe adaptability is essential, especially when closing timelines shift, so I'm glad that approach worked well for...
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    Tammy A J
    Sylvania, AL
    Posted on March 11th, 2026 11:21 AM
    Consistency! As a real estate agent I never have to worry if Karen is going to take up any challenge brought to her. I can guarantee my buyers that Karen will not only take care of their lending questions and needs but does so with such great...
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    Reply from Karen Sims
    March 16th, 2026 02:45 PM
    Tammy, I really appreciate your kind words and the trust you place in me to handle challenges. It’s important to me that both agents and buyers feel supported throughout the process, and I’m glad that my approach has been helpful to you and...
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    Brittany C
    Trenton, GA
    Posted on March 9th, 2026 11:38 AM
    Communication was top notch! Speed of transaction and flow was easy to follow.
    Reply from Karen Sims
    March 12th, 2026 12:44 PM
    I'm glad the communication and transaction flow met your expectations, Brittany. Ensuring a smooth and clear process is important to me. If there's anything else you need or if any questions arise, please don't hesitate to reach out.
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    Larry D W
    Trenton, GA
    Posted on March 6th, 2026 12:17 PM
    Karen and Mary Ann did a great job communicating and guiding my wife and I through the whole mortgage experience. We are very thankful we had Karen and Mary Ann, it was a pleasure working with them. Thank you!
    Reply from Karen Sims
    March 9th, 2026 01:37 PM
    I'm happy to hear that you and your wife felt well-guided and supported throughout the mortgage process, Larry. Communication is key, and I'm glad it made your experience smoother. If you have any more questions or need assistance in the future,...
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    Kathy M W
    Trenton, GA
    Posted on March 6th, 2026 11:13 AM
    Karen Sims was an absolute pleasure to work with as a lender. She is extremely organized, communicative, and keeps everyone in the loop throughout the entire process. One thing that really stands out about Karen is that she answers her phone...
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    Reply from Karen Sims
    March 9th, 2026 12:55 PM
    It's gratifying to know that my organization and communication made a positive impact on your experience, Kathy. I believe in keeping everyone informed at every stage, and being available to address questions is a key part of that process....
    read more
  • 31–40 of 457
    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.