Tami Barber Southerland of Encore Lending Group LLC

12/18/2025

If you need to talk to your lender at 7 AM before work
or 7 PM after dinner — I’ve got you covered.

Buying a home doesn’t pause for business hours, and neither do I.
Questions, pre-approvals, or last-minute offers — I’m here when YOU need me.

📞 Morning. Evening. Weekend.
Let’s make homeownership fit your schedule. 🏡✨

12/03/2025

My USDA loan came back today after the Government Shut down.
We didn’t expect it back until the end of December
The web site showing dates submitted and dates working on is totally off.

11/12/2025

My buyer needs to sell this property. It is listed with a Realtor. Do you know anyone looking for a nice double wide in Jonesborough.

This 1300 square feet Mobile / Manufactured home has 3 bedrooms and 2 bathrooms. It is located at 4592 Cherokee Rd, Jonesborough, TN.

11/12/2025

Investors love it. Realtors need to know it.
💰 DSCR Loans = No Income Verification + Fast Closings
If the rent covers the payment, you’re approved.
Let’s grow that portfolio!
📞 Tami Barber | Encore Lending | NMLS 1030767

10/29/2025

I’m waiting on your call! You won’t find a more helpful lender.

I am a Mortgage Broker Licensed in TN.
I can do VA loans, USDA, FHA, Conventional loans.
I shop the best rates and loan product for you.
I am thankful to be able to help.
Call me 423-943-9269 or text is good.
Nmls 1030767
Encore Lending

10/24/2025

I am a Mortgage Broker Licensed in TN.
I can do VA loans, USDA, FHA, Conventional loans.
I shop the best rates and loan product for you.
I am thankful to be able to help.
Call me 423-943-9269 or text is good.
Nmls 1030767
Encore Lending

06/26/2025

If you're a first-time homebuyer, let us tell you more about our FHA loans. With low down payments and affordable rates, an FHA loan might be a perfect fit for you! Reach out to learn more.

06/23/2025

Ready to take the next step and start shopping for a home? Get started by getting pre-approved! Call today to learn how much home you can afford.

06/19/2025

Good news for Lending! I have a new 1% down payment conventional loan.
Call me to see if you qualify.
423-943-9269

06/19/2025

In a competitive housing market, the ability to close on your home quickly can give you an edge over other buyers. Call to see how I can deliver a loan process that will make your offer stand out.

06/16/2025

Still think you need 20% down for your home purchase? Some of today's home loan options require as little as 3% down, putting a home well within reach for more homebuyers across the country. It's not a fairy tale — reach out and let's discuss your options!