Preferred Rate - Michelle Cummings NMLS 185323

Preferred Rate - Michelle Cummings NMLS 185323 With 27 plus years in the Mortgage industry allow
me to help navigate your Mortgage Goals!

Purchase - Refinance - New Construction - Heloc - DPA - DSCR - Land Home Package - One time Close
Preferred Rate Mortgage NMLS 1850
www.nmlsconsumeraccess.org Preferred Rate
Michelle Cummings NMLS 185323
Senior Mortgage Advisor
865-386-0642
Equal Housing Opportunity
[email protected]

The 𝐛𝐞𝐬𝐭 rate is not always the lowest rate. It is the one that fits your overall plan. A rate is only part of the story...
06/09/2026

The 𝐛𝐞𝐬𝐭 rate is not always the lowest rate. It is the one that fits your overall plan. A rate is only part of the story, and structure, timing, and long-term goals matter just as much. If you want to look at the full picture, message me.
https://myoc.io/MortgagesMadeEasyByMichelle



NMLS #185323

06/04/2026

One of the biggest misconceptions about interest rates is that the advertised rate online automatically applies to everyone.
The truth is, your mortgage rate can be impacted by factors like:
🏡 Loan type
💳 Credit profile
💰 Down payment
📍 Property type
📊 Loan structure
That’s why it helps to work with a local mortgage expert who can look at your full scenario, explain the options available to you, and help you understand what makes the most sense for your goals.
Because the best mortgage decision isn’t always about chasing the lowest number you see online. It’s about knowing your options, understanding the full picture, and making a smart plan for your future.

Let's Talk!
https://myoc.io/MortgagesMadeEasyByMichelle



NMLS #185323

06/02/2026

Heloc vs Home Equity Line of Credit

Rates change. Strategy wins. Rates move every day, so trying to predict them is less effective than preparing for differ...
06/02/2026

Rates change. Strategy wins. Rates move every day, so trying to predict them is less effective than preparing for different scenarios. The best move is having a plan that works in more than one market. If you want to talk strategy, message me.
https://myoc.io/MortgagesMadeEasyByMichelle



NMLS #185323

05/26/2026

Are you spending your days watching rates, waiting for them to drop so you can refinance? Here’s a smarter way to approach it.
Instead of trying to time the market yourself, work with a Loan Advisor to set your “strike rate,” the point where refinancing makes sense for your goals.
From there, your Loan Advisor monitors the market and lets you know when it’s time to act.
No guessing. No constant checking. Just a clear strategy.
https://myoc.io/MortgagesMadeEasyByMichelle



NMLS #185323

Address

8913 Cedarbrook Lane
Knoxville, TN
37923

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 7pm
Thursday 9am - 9pm
Friday 9am - 9pm

Telephone

+18653860652

Website

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