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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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    Brianna B
    Ringgold, GA
    Posted on January 7th, 2026 06:12 PM
    Karen made our home buying experience less scary. She is very sweet and kind. Karen was every helpful with explaining everything clearly. Karen truly cares about her clients.
    Reply from Karen Sims
    January 12th, 2026 07:12 PM
    I appreciate your kind words, Brianna. It's important to me that your home buying experience felt manageable and reassuring. I'm glad I could help by explaining everything clearly. Your comfort and understanding throughout the process are always...
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    Alla S
    Ringgold, GA
    Posted on December 23rd, 2025 02:38 PM
    Great communication and hard work in a limited timeframe
    Reply from Karen Sims
    December 26th, 2025 02:38 PM
    I'm glad to hear that the communication and effort met your expectations, Alla. Working efficiently within a limited timeframe is crucial, and it's rewarding to know it benefited your experience. If you have any more needs or questions, please...
    read more
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    M
    Madelyn G
    Rossville, GA
    Posted on December 20th, 2025 04:48 PM
    Karen was so kind and extremely helpful! She was very prompt with everything and made closing an amazing experience!
    Reply from Karen Sims
    December 23rd, 2025 04:48 PM
    I'm pleased to hear that the closing process went smoothly for you, Madelyn. Providing prompt and kind assistance is always my goal, and I'm glad it made a difference in your experience. If there's anything else you need, feel free to reach...
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    Jaylynn W
    Posted on December 18th, 2025 02:36 PM
    Always a pleasure working with Karen, especially on our own loan. She’s the best!
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    Jeffrey S H
    Rock Spring, GA
    Posted on December 15th, 2025 11:53 AM
    Karen was a pleasure to deal with she communicated every step in the process and made it fast and efficient
    Reply from Karen Sims
    December 18th, 2025 05:53 PM
    It's wonderful to know that you had a positive experience with the process, Jeffrey. I'm committed to ensuring clear communication and efficiency, so it's gratifying to hear that it resonated well with you. Should you need further assistance,...
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    Sandy D H
    Rock Spring, GA
    Posted on December 13th, 2025 01:56 PM
    Karen is always very professional and friendly. We have used her more than once and will continue to.
    Reply from Karen Sims
    December 16th, 2025 01:56 PM
    I appreciate your continued trust and kind words, Sandy. Knowing that my professionalism and friendliness have made a positive impact on your experiences means a lot to me. I'm grateful for the opportunity to work with you again and am always...
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    S
    Stacey S W
    Ringgold, GA
    Posted on November 21st, 2025 01:41 PM
    Karen made what can be a stressful time, easy and smooth. Highly recommend. Thank you!
    Reply from Karen Sims
    November 24th, 2025 01:42 PM
    I'm delighted that you found the process smooth and straightforward, Stacey. It's my goal to ease any stress during such important times. Thank you for your kind recommendation. If you ever need further assistance, feel free to reach out.
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    Stephanie K
    Ringgold, GA
    Posted on November 19th, 2025 02:13 PM
    Karen is very responsive and answers any and all questions thoroughly and quickly and gets things done. Shes very sweet and patient and I will definetly reccommend her to everyone!
    Reply from Karen Sims
    November 24th, 2025 08:57 PM
    It's great to hear that you appreciated my responsiveness and thoroughness, Stephanie. I'm glad you felt comfortable asking questions throughout the process. Your recommendation means a lot to me, and I'm here if you need any further help in...
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    Alyxandria M
    Chickamauga, GA
    Posted on November 6th, 2025 11:39 AM
    She really helped me throughout the whole process. Any questions I had she would answer them or find the answers to them. Couldn't ask for a better lender
    Reply from Karen Sims
    November 10th, 2025 03:15 PM
    I'm pleased to know that I could support you throughout the process, Alyxandria. Answering your questions and finding the right information for you is something I aim to prioritize. It's wonderful to hear that you felt well-assisted as your...
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    Richard C W
    Rock Spring, GA
    Posted on October 25th, 2025 10:34 PM
    Process clearly communicated through entire financial process .
    Reply from Karen Sims
    October 29th, 2025 07:12 PM
    I'm grateful for your positive feedback, Richard. Ensuring that the process is communicated clearly is something I prioritize, so I'm pleased to hear it was helpful for you. If you have any further questions or need assistance in the future,...
    read more
  • 51–60 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.