Business Details
24 Years
experience
Your Trusted Mortgage Partner in Knoxville
Summit South Mortgage has been a trusted mortgage provider in Knoxville, TN since 2002, dedicated to delivering prompt and efficient mortgage solutions for residential and commercial clients. Our team of seasoned professionals specializes in conventional and government-backed loans, offering tailored financing options to meet diverse client needs. With over two decades of local expertise, we prioritize personalized service and competitive rate quotes to ensure clients make informed decisions. Our founders and staff bring extensive industry experience, including $750 million in closed loans, to every transaction. We maintain strong community ties through partnerships with organizations like Family Promise of Knoxville and Second Harvest Food Bank.Our strategic affiliations with multiple capital sources enable flexible financing structures for both individual homeowners and commercial property owners. We emphasize transparency throughout the mortgage process, from initial consultation to closing, while maintaining strict compliance with industry regulations. Our track record includes successful refinancing cases with rate improvements of up to 0.5% for satisfied clients. We combine technical expertise with personalized attention to navigate complex mortgage scenarios, including construction loan conversions and investment property financing. Our commitment to excellence has earned consistent client testimonials praising our professionalism, knowledge, and client-centric approach.
Services
Residential Mortgages
Commercial Mortgages
Private Equity Lending
Mortgage Refinancing
Investment Property Financing
Details
- Year established: 2002
Highlights and features
- We've served Knoxville homeowners and businesses since 2002 with proven mortgage expertise
- Our team has closed over $750 million in mortgage loans
- We offer personalized guidance through complex mortgage processes
- We maintain strategic affiliations with multiple capital sources
- We combine local market knowledge with national lending standards
What people say
Smooth sailing
Professional and knowledgeable
Lock in lower rate
Top notch service
Best mortgage guy
Services
Residential Mortgages
We provide comprehensive residential mortgage solutions for home purchases and refinancing. Our experienced team offers competitive rate quotes and personalized guidance through the entire mortgage process. With expertise in conventional and government-backed loans, we help clients achieve homeownership while maintaining strict compliance with industry standards.
Commercial Mortgages
Our commercial mortgage services specialize in financing owner-occupied and income-producing properties. Through affiliations with multiple capital sources, we offer flexible financing structures for various commercial property types. Our team provides expert advisory services and competitive financing options for short-term, construction, and long-term commercial mortgages.
Private Equity Lending
We offer private equity lending solutions for unique real estate investment opportunities. Our team provides tailored financing options for investors seeking non-traditional mortgage products. With expertise in USDA commercial loan programs, we help clients structure competitive financing arrangements for various property investments.
Mortgage Refinancing
Our refinancing services help clients reduce interest rates, shorten loan terms, or access home equity. We specialize in streamlining the refinancing process with competitive rate quotes and personalized solutions. Our team has successfully helped clients achieve rate improvements of up to 0.5% through strategic refinancing.
Investment Property Financing
We provide specialized financing for investment properties up to four units. Our team offers comprehensive investment analysis and long-term fixed-rate financing options. With expertise in rental property financing, we help investors build wealth through strategic real estate investments while maintaining portfolio flexibility.
People
Lou Browning
President and CEO
Lou founded Summit South Mortgage in 2002 and has closed over $750 million in mortgage loans. With 15+ years of experience, he oversees loan production and strategic direction. A University of Tennessee graduate, Lou maintains strong local community ties.
Chris Carini
Mortgage Professional
Chris brings nine years of mortgage experience, specializing in residential and commercial loans. Known for exceptional customer service, he builds relationships through referrals and maintains a strong reputation in Knoxville's mortgage market.
Melanie Noe
Loan Processing Manager
Melanie manages loan processing and company operations with 20+ years in the mortgage industry. Her expertise spans loan processing, closing, and compliance. She ensures operational efficiency while maintaining strict adherence to mortgage regulations.
Questions
What mortgage services do you offer?
We provide residential mortgages, commercial mortgages, private equity lending, refinancing options, and investment property financing solutions.
How can I improve my mortgage eligibility?
We offer credit improvement strategies including authorized user status, new credit accounts, and debt reduction techniques to enhance mortgage qualifications.
What are common refinancing reasons?
Clients refinance to lower interest rates, reduce loan terms, remove borrowers, consolidate debt, or access funds for home improvements and business needs.
What areas do you serve?
We primarily serve Knoxville, TN and surrounding East Tennessee regions with both residential and commercial mortgage services.
How does your mortgage process work?
We guide clients through personalized consultations, competitive rate quotes, and streamlined processing from application to closing.
