Nolan Jenkins - Mortgage Consultant with Encore Lending Group LLC

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Johnson City, TN
Nolan Jenkins - Mortgage Consultant with Encore Lending Group LLC

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Allow me to assist with your home financing needs. Brokers are better! NMLS #2041081

10/26/2026

🚨 CONDO HOA BOARD MEMBERS — THIS COULD AFFECT EVERY OWNER IN YOUR COMMUNITY.

A homeowner can have a perfectly qualified buyer ready to purchase their condo…

Great credit. ✅
Great income. ✅
Money to close. ✅

…and the deal can STILL run into trouble because of the HOA.

Fannie Mae and Freddie Mac have tightened condo project requirements, and lenders may need significantly more documentation before a condo can be approved for conventional financing.

Things like:

🏢 An outdated or unapproved annual budget
💰 Insufficient reserve funding
🔨 Deferred maintenance or major repairs
📋 Special assessments
🛡️ Inadequate master insurance coverage
📑 Missing or incomplete HOA documentation

can potentially delay—or even prevent—a buyer from obtaining financing.

And that doesn’t just affect one transaction.

If buyers can’t finance units in your development, it can make condos harder to sell for EVERY owner in the community.

If you serve on a condo HOA board, don’t wait until one of your owners has a property under contract to find out there’s a problem.

Be proactive. Make sure your HOA’s financials, insurance, budgets and project documentation are current and readily available.

🏡 On an HOA board and not sure whether your development is mortgage-ready? Reach out to me. I’d be happy to help you understand what lenders are looking for before it becomes a problem.

Nolan Jenkins
Mortgage Consultant
Encore Lending Group LLC
NMLS # 2041081
📞 423-676-5646
📧 [email protected]

09/10/2026

Credit just got better…

When I run a credit report, I’m not limited to just one scoring model. With UWM, we can pull both FICO and VantageScore® 4.0. If your VantageScore® comes in stronger, it may mean better rates, more buying power… even JUST the ability to qualify!

Same borrower, two models, more flexibility. More options mean we can structure the best mortgage possible.

Comment below if you would like more info!

Who you work with matters…

Nolan Jenkins
Mortgage Consultant
Encore Lending Group LLC
NMLS # 2041081
📞 423-676-5646
📧 [email protected]

08/30/2026

Not all lenders work Sunday mornings. A lot of them don’t work Sundays at all.

But I’m pretty sure Realtors do.

It’s very important to me to be available to my real estate partners, and of course their buyers. This one was an 8:30 PM phone call last night… agent had shown potential buyers a property, and they hadn’t yet been pre-approved…

Now, of course, in a perfect world, I would’ve already had a chat with the buyers and they would’ve completed an application and submitted documents that I would have checked in detail, verified income and ran automated underwriting to get a true pre-approval.

Life doesn’t always work perfectly… so we connected at 8:45 PM, an application was submitted by 9:30 PM and documents were received this morning by 9 AM.

They are now preapproved to make an offer on their potential dream home…

Who you work with matters…

Nolan Jenkins
Mortgage Consultant
Encore Lending Group LLC
NMLS # 2041081
📞 423-676-5646
📧 [email protected]

08/28/2026

Another super fast turnaround! Purchase with PDC as well… who you work with matters!

07/08/2026

Credit card debt in the U.S. is at an all-time high, and too many hardworking families are watching most of their paycheck disappear into monthly bills.

If your total monthly outgoings are becoming overwhelming, it may be worth exploring a cash-out refinance. By using the equity in your home to pay off high-interest credit cards, you could replace several large monthly payments with one more manageable mortgage payment. Even if today's mortgage rate is higher than the one you have now, it's still typically much lower than the interest rates on most credit cards.

This isn't the right solution for everyone, but for the right homeowner it can create real monthly breathing room. A conversation costs nothing, and I'm always happy to help you explore your options—without any pressure.

Shares appreciated!

Nolan Jenkins
Mortgage Consultant
Encore Lending Group LLC
NMLS # 2041081
📞 423-676-5646
📧 [email protected]

05/07/2026

Big news from Encore Lending Group! 🎉

We’re now offering a FREE 1-0 temporary buydown on eligible Conventional, VA, and FHA purchase loans. That means your interest rate is reduced by a full 1% for the first year — helping make that first year of homeownership a little easier on your budget.

Lower payment. More breathing room. Same great service.

Buying a home should be a celebration, not a stressful time — and I’m here to help make the financing simple.

Call me today for details and let’s get you home!

Shares appreciated!!!!

Nolan Jenkins
Mortgage Consultant
Encore Lending Group LLC
NMLS # 2041081
📞 423-676-5646
📧 [email protected]

03/23/2026

Tell me a movie you’ve never watched but you’ve always intended to? I’ll go first…
I actually have three. Never seen Shawshank Redemption (I know, I know…) and this might surprise some of you, but I’ve never seen Grease, despite possibly singing just about every song in the movie at some point in my career other than hopelessly devoted. For the record, I’m much more likely to watch Shawshank…
Tonight, though, on the eve of my 51st birthday, I’ve just poured a nice glass of Cab, got my sofa blanket, prepared, and setting myself up to watch Coach Carter.
March madness people… Gets you in the mood for stuff! Happy Monday y’all!!!

01/24/2026

Need a preapproval this weekend?

Might be worth starting the process before the power goes out… but if it does, I’ve still got you!

Seriously though… start the process beforehand… It will make my job a lot easier. 😜

Nolan Jenkins
Mortgage Consultant
Encore Lending Group LLC
NMLS # 2041081
📞 423-676-5646
📧 [email protected]

01/16/2026

So many have asked... so here it is!

We are now able to offer 100% financing to medical professionals in Tennessee!

Give me a call for more info and shares are greatly appreciated in advance!!!!!!

Nolan Jenkins
Mortgage Consultant
Encore Lending Group LLC
NMLS # 2041081
📞 423-676-5646
📧 [email protected]

Address

206 Wesley Street
Johnson City, TN
37601

Telephone

+14236765646

Website

https://www.blink.mortgage/app/signup/p/encorelendinggroupllc/nolanjenkins

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