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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%
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2%
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Reviews from Web
  • Encompass
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    Brittany C
    Rock Spring, GA
    Posted on October 24th, 2025 02:47 PM
    Karen and the team are the best to work with! Answered all the questions, gave solutions to any situation that came up and always produced the results wanted and needed in the end! Couldn't recommend her enough!
    Reply from Karen Sims
    October 27th, 2025 02:49 PM
    Brittany, thank you for your thoughtful review. It's great to hear that everything went smoothly and that the support provided met your expectations. I'm glad I could assist with your questions and provide effective solutions. Your recommendation...
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    Sherry J W
    Rock Spring, GA
    Posted on October 23rd, 2025 02:17 PM
    Katen was very communicative and answered all our questions she offered advice and explained all procedures
    Reply from Karen Sims
    October 27th, 2025 02:54 PM
    Your feedback is really appreciated. I'm glad to know that my communication and assistance were helpful to you. Offering guidance and explaining each step is an important part of my approach, so it's encouraging to hear this made an impact....
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    Kurtis J
    Higdon, AL
    Posted on October 21st, 2025 10:23 AM
    Karen is always the best!
    Reply from Karen Sims
    October 24th, 2025 08:28 PM
    I appreciate your kind words, Kurtis. Knowing that you consider the service I provide to be top-notch means a lot. I'm always here to assist with whatever you need. Thank you for your review!
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    Montana K W
    Ringgold, GA
    Posted on September 30th, 2025 02:37 PM
    Karen did a fantastic job answering all of our (numerous) questions and walking us through the process as 1st time homebuyers. She was quick to respond and very helpful! She has made a lifetime customer out of us.
    Reply from Karen Sims
    October 3rd, 2025 02:37 PM
    Montana, I truly appreciate your kind review. It's wonderful to know that I could help make your first home buying experience clearer and more manageable. Answering your questions and guiding you through the process was my pleasure. Your trust...
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    Macailyn N W
    Trenton, GA
    Posted on September 7th, 2025 03:10 AM
    Karen answered all of our questions
    Reply from Karen Sims
    September 10th, 2025 03:11 AM
    It's great to hear that I could assist with all of your questions, Macailyn. Providing clear and helpful answers is key to ensuring a smooth process, and I'm pleased it was a positive experience for you. If you have any other questions or need...
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    Alma G M
    Trenton, GA
    Posted on July 31st, 2025 01:07 PM
    Karen is the best and sweetest person she is very intelligent,, and quick service good experience good job Karen ❤️❤️
    Reply from Karen Sims
    August 3rd, 2025 01:08 PM
    Thank you so much for your kind words, Alma. I'm truly touched by your appreciation and am glad to hear you had a good experience. It's important to me to provide both quick service and intelligent solutions, and your feedback is incredibly...
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    Tammy J
    Crossville, AL
    Posted on July 14th, 2025 11:16 AM
    I just completed another successful closing with Highland Mortgage and Karen Sims. Karen is by far the best I've ever worked with! Her communication is top notch and as an agent when she's in the driver's seat I know things are being taken...
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    Reply from Karen Sims
    July 17th, 2025 11:17 AM
    Tammy, I'm genuinely grateful for your kind words and for trusting me with the closing process. It's wonderful to know that my communication and efforts contribute to a smoother experience for you and your clients. Working with you always feels...
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    Austin M H
    Crossville, AL
    Posted on July 14th, 2025 10:33 AM
    Mrs. Karen is very kind And easy to work with. Very professional And very for at her job!
    Reply from Karen Sims
    July 17th, 2025 10:33 AM
    I'm glad to hear that you found me kind and professional, Austin. It was a pleasure to assist you with your mortgage needs. Thank you for sharing your experience, and if anything else comes up, feel free to get in touch.
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    Emily H
    Trenton, GA
    Posted on July 2nd, 2025 12:56 PM
    Karen was great!!
    Reply from Karen Sims
    July 5th, 2025 12:57 PM
    I'm thrilled to hear that you had a great experience, Emily. It was a pleasure assisting you at Highlands Residential Mortgage, Ltd. Thank you for your kind words!
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    Austin J H
    Trenton, GA
    Posted on June 30th, 2025 10:04 AM
    Great seamless process!
    Reply from Karen Sims
    July 3rd, 2025 10:06 AM
    I'm thrilled to hear that you found the process seamless, Austin. It was a pleasure assisting you, and I appreciate your feedback. If you have any future needs, please feel free to reach out.
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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.