Business Details
25 Years
experience
Expert Mortgage Brokers in Knoxville, TN
Real Estate Finance Group has been a trusted Knoxville mortgage provider for over 25 years, closing more than $1 billion in loans. Our team specializes in guiding clients through home purchases, refinancing, and investment property financing with integrity and personalized service. We prioritize long-term relationships, offering tailored mortgage solutions and competitive rates while maintaining a low-cost model with no hidden fees.Our expertise spans conventional loans, jumbo mortgages, VA/FHA programs, DSCR investor loans, and commercial financing. With a referral-based business model, we emphasize transparency, client education, and alignment with individual financial goals. Recognized as a top UWM producer nationally, we combine industry leadership with local market knowledge to deliver empowering mortgage experiences.
Services
Conventional Loans
Jumbo Loans
FHA Loans
VA Loans
DSCR Loans
ARM Loans
Construction Loans
Commercial Financing
Private Portfolio Loans
USDA Rural Housing
Details
- Year established: 2001
Highlights and features
- We have over 25 years of experience in mortgage lending.
- We offer a wide range of loan products including conventional, jumbo, and FHA options.
- Our no junk fees policy ensures transparent and fair pricing.
- We specialize in tailored mortgage solutions for first-time buyers and investors.
- Our referral-based business model emphasizes integrity and long-term relationships.
Associations and certifications
- NMLS
What people say
Professional
Responsive
Knowledgeable
Go above and beyond
Highly recommend
Services
Conventional Loans
Conventional loans are ideal for borrowers with strong credit seeking flexible terms. These mortgages are not government-insured, offering competitive rates for primary residences, second homes, or investment properties. Our team tailors conventional loans to meet diverse financial profiles while maintaining affordability and long-term value.
Jumbo Loans
Jumbo loans cater to high-value property purchases exceeding conforming loan limits. Designed for luxury homes or premium real estate investments, these mortgages require specialized underwriting. We provide jumbo loan options with personalized terms to accommodate unique financial situations and upscale property acquisitions.
DSCR Loans
DSCR (Debt Service Coverage Ratio) loans focus on rental income potential rather than personal income. This program benefits real estate investors with multiple properties. Our DSCR loans streamline financing for investment portfolios, emphasizing property cash flow to qualify borrowers for optimal loan amounts.
VA Loans
VA loans offer zero-down payment options for eligible veterans and service members. Backed by the U.S. Department of Veterans Affairs, these mortgages provide favorable terms and reduced fees. We specialize in guiding military clients through VA loan benefits to achieve affordable homeownership opportunities.
Construction Loans
Construction loans support custom home building or major renovation projects. These short-term mortgages convert to permanent financing upon project completion. Our construction loan experts coordinate with builders and contractors to deliver phased funding solutions aligned with project timelines and budget requirements.
People
Neal Bailes
Founder & President
With over 25 years in residential lending, Neal Bailes established REFG in 2001 after achieving top production rankings at National City Mortgage and Wells Fargo. Recognized as a UWM top 1% producer, he specializes in diverse loan programs while maintaining a client-first philosophy focused on transparency and trust.
Questions
What types of mortgage loans do you offer?
We offer conventional, jumbo, FHA, VA, DSCR, ARM, construction, commercial, and USDA loans tailored to your specific needs.
Do you provide mortgage services outside Knoxville?
Yes, while based in Knoxville, we offer mortgage solutions throughout the entire state of Tennessee.
How long has your company been in business?
Real Estate Finance Group has served clients since June 2001, with our founder maintaining 25+ years of industry experience.
What makes your mortgage services unique?
Our combination of transparent pricing, no hidden fees, and personalized service ensures a trustworthy mortgage experience focused on client needs.
Can first-time homebuyers get assistance?
Absolutely. We specialize in guiding first-time buyers through FHA programs and down payment assistance options to make homeownership accessible.
