Neal Bailes, Knoxville TN Mortgage Expert
is Founder and CEO of Knoxville Mortgage Lender Real Estate Finance Group (REFG). He has been a top mortgage producer for over 25 years, personally closing over 1 Billion Dollars in Mortgage Volume. Specializing in Jumbo Mortgages, Super Jumbo Mortgages, Fannie Mae, Freddie Mac, VA (Veteran Mortgages), FHA, Private Portfolio Loans (Bank Funding), Private Banking (Liquid Investable assets of 1 million dollars or more), Construction Loans, and Commercial Loans, Neal has developed National and Local relationships to help borrowers complete their mortgage goals. Read More
Why Choose REFG for Your Mortgage?
* Experience – Proven Knoxville Mortgage Industry Leader with over one billion dollars in mortgages closed.
* Integrity – My Professional mortgage referral network includes some of the most accomplished professionals in their professions.
* Honesty – I have always been a goodwill ambassador for the Knoxville mortgage industry.
Every person in my office has over 27 years experience in the mortgage business, and we are an over 90% referral company by having earned the trust of our community.
For your next home mortgage, work with someone who works on your behalf. Come home to the experts. Read More
Knoxville, TN Mortgage Solutions
Extensive financing options coupled with concierge-level service make Knoxville mortgage lender REFG a leader in home financing. Tell us your specific needs and we’ll help you find the right mortgage that maximizes liquidity, flexibility, and tax liability.* These are just a sample of programs we offer:
Conventional Loans – any mortgage not guaranteed or insured by the federal government. Read more…
Jumbo Loans – a mortgage loan in an amount above conventional conforming loan limits. Read more…
VA Loans – a mortgage in the United States guaranteed by the U.S. Department of Veterans Affairs. Read more…
FHA Loans – a Federal Housing Administration mortgage insurance backed mortgage loan. Read more…
Interest Only Loan – a mortgage in which the borrower only pays interest each month. Read more…
Mortgage Refinancing – obtaining a new loan to replace the original mortgage at a better rate. Read more…
Assumable Mortgage – an outstanding mortgage is transferred from the current owner to a buyer. Read more…
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Say No to Mortgage Junk Fees
Some mortgage companies charge over $1000 in fees, with REFG there are never any junk fees.
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How Does Your Credit Score Affect Your Mortgage?
Your credit score is a number that represents your ability to pay off your mortgage and other debts… Read More
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Getting a Mortgage Pre-Approval
Buying a home is an exciting experience, however, before you start shopping, consider getting a mortgage pre-approval… Read More
Frequently Asked Mortgage Questions
Reviews
Google ★★★★★
Zillow ★★★★★
Testimonials
“Neal Bailes is an amazing mortgage broker!…I highly recommend Neal for all of your mortgage needs!” Liza Bryan Acheson, Knoxville Mortgage Client
“I’ve now done two mortgages with Neal and he has been exceptional to work with on both occasions…I will always go to Neal with my mortgage needs and would definitely consider him and his team again in the future and would gladly recommend him to any of my friends and colleagues.” Joseph Aylor, Knoxville Mortgage Client
“This was by far the best mortgage experience we’ve ever had…”James Bilbrey, Knoxville Mortgage Client
“…I will never use another mortgage company and would recommend Neal to all.” James Bosi, Knoxville Mortgage Client
“…I highly suggest and recommend REFG and Neal for financial/mortgage services to anyone in the market for purchasing property!!!” Keri Brown, Knoxville Mortgage Client
“Wonderful choice for a mortgage…Honest and local to Knoxville…” Bunky Byrd, Knoxville Mortgage Client
“He is very professional and very good as being a Mortgage Lender… He is the best.” Kim Cawood, Knoxville Mortgage Client
“I have been a client of Neal’s for 10 years, and over those years, I have transacted several mortgages and refi’s. Neal is absolutely the best at what he does…” G. Darrell Hulsey, Knoxville Mortgage Client
“I had already talked to at least fine separate mortgage lenders and thought I had a good rate at 3.75 percent…Neal got a better rate with the lender that I preferred (3.25%) and walked me through every step of the process on the purchase of our new home.” Michael Hutchison, Knoxville Mortgage Client
“Neal helped us with refinancing our mortgage some years ago and it went off without a hitch!…We will not hesitate to do business with Neal Bailes again if we are in need of his services.” Debra Jett, Knoxville Mortgage Client
“I contacted several mortgage lenders in Knoxville and Neal was the quickest to reply…He gave me excellent advice that helped me make the right decision. Highly recommend!” Ross Jones, Knoxville Mortgage Client
“Neal and I have worked together on many different occasions both professionally and with my personal mortgage needs…If you or someone you know is thinking about purchasing or refinancing a home they need to contact Neal ASAP!” Brent Larson, Knoxville Mortgage Client
“…he was able to make sure we were considering all available options for our mortgage. I would recommend him to anyone going through the home buying process.” Larry Long, Knoxville Mortgage Client
“I would highly recommend his services with any type of mortgage or refinance.” Jon Marshall, Knoxville Mortgage Client
“When I needed a mortgage several years ago I went to Neal based on a referral…We have now done three mortgages through Neal and and will continue to use his services…I will continue to refer clients to Neal!” Bob Lovelace, Knoxville Mortgage Client
“This was not my first purchase but by far the easiest mortgage loan process I have ever been through.” Anthony Mills, Knoxville Mortgage Client
“We recently refinanced our home mortgage using Real Estate Finance Group, Mr. Neal Bailes…we highly recommend his Real Estate Finance Group.” James R. and Bette Jo Murmann, Knoxville Mortgage Client
“During my 30+ years in Real Estate in 4 different states, I can honestly say that you are the best mortgage lender I have used!” Sherry Price – Realty Executives, Knoxville Mortgage Client
“Going through the process of obtaining a mortgage with Neal was a stress free and enjoyable experience…I have referred several friends to Neal and he has always taken great care of them!” Ken Richardson, Knoxville Mortgage Client
“Getting a mortgage can be a very scary or anxious process, but Neal made it easy and calm by being so kind as well as professional. I highly recommend him!” Christine Schmitz, Knoxville Mortgage Client
“He was by far the easiest and most professional mortgage broker I have ever dealt with which is why I have recommended him to several people…” Lynnette Shaft, Knoxville Mortgage Client
“…His vast experience helped immeasurably in guiding us through the mortgage process with unbelievable efficiency and speed. I highly recommend Neal for all of your mortgage needs.” Tom Simser, Knoxville Mortgage Client
“Every interaction with Neal and his staff was outstanding. No surprises or other BS that I have run into with other mortgage brokers. Highly recommended! Matt Stegall, Knoxville Mortgage Client
“I have done about 5 mortgages using him…I highly recommend him and his staff.” Tracy Eaton, Knoxville Mortgage Client