“Tami was fantastic to work with from start to present with our first home loan (bought the farm!). I have never been in debt my whole life, so the prospect of a loan was daunting. Tami simplified and clarified the whole process - and paved the way to purchasing the home of our dreams. We never imagined it could work out so smoothly. Would highly recommend her for her extensive experience and sincere pleasantness to work with. Highly professional, cheerful, enthusiastic and helpful in every detail of the process.”


“I had been denied a conventional home loan due to student loan debt and thought that there were no other options for me as a first time home buyer. I was very wrong. Tami was wonderful to work with throughout the entire process. If you’ve never tried to get a mortgage, it can be very stressful! They ask for soooooo much information! Tami was very supportive through the whole process as well as very knowledgeable. Tami was always available to answer any questions I had even if I had already asked them 5 times. She did a great job explaining all the ins and outs of a mortgage to me and I learned a ton in a very short time. Tami worked very hard for me and I am so very grateful to have had her to help me through the process of buying my first home. I would definitely recommend Tami and will personally seek her for my future mortgage needs.”



“I absolutely loved working with Tami. She was so helpful and worked with us tirelessly to help us get all the voluminous paperwork required by VA. I don't know how she does it. I was exhausted working on paperwork for our loan and yet she does this over and over. Always pleasant - always positive - a sheer delight to work with. We highly recommend using Tami Barber.”


“Very positive & confident. Went out of her way to make paperwork less of a hassle. Tackled issues with ease. Expedited the process. Friendly & respectful. A pleasure to work with”

~Steven Q.

“Tami is one of the best loan officers I interacted with. She is passionate about what she does and goes along way to give you the basics and details of all the requirements and features of a good loan. She was even willing to call the bank herself on my behalf to explain some document requirements that were wanted urgently to close the deal. I am a happy homeowner now. Thank you Tami!”


“Tami is the best at what she does and hands down the most professional and responsible agent in the business. She goes over and beyond anyone else and it shows that she cares about every detail and walks you through every step of the process. I will never be able to express the true gratitude and thanks that is due.”



“Tami is the best mortgage loan officer you will ever find.When other companies said "no", Tami was able to cut through the mountain of red tape and not only say "yes" but locked us in at an unbelievable rate. When she found out something was needed we knew about it within minutes. I think there were several times when she was still on the other phone line with the company requesting the information and speaking with us about the information they were requesting. If you need financing you are in luck like we were when we found Tami.”


~J. Neubert 

“Tami Barber is awesome! She got me pre-approved within 24 hours so I would know what buying power I had once I began looking at homes. She and my realtor worked closely together and got me a great deal on a house that I love!  Did I mention 100% financing??? Yeah...she got me that too!”


~A. Dunbar-Cobble

“I can't say enough good things about Tami Barber and Encore Lending. She served as my mortgage consultant on my recent home purchase, and was a tremendous help. She worked with me from the very beginning of the process when I first started looking at properties, and put together a very practical plan to help me make sure that my credit score and mortgage loan rates were optimal. Her professionalism is superb, and her personal interest in seeing her clients succeed is evident. ”


~J. Edmisten

Tami L Barber

NMLS #1030737

(423) 943-9269

Encore Lending Group LLC

NMLS #1249911

206 Wesley St, Johnson City TN 37601

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The information contained in this site has been prepared by an independent third party and is distributed for educational purposes only. This is designed to give helpful tips on the mortgage process and is not intended to give legal advice. Information is considered reliable but not guaranteed. This is not a prequalification, preapproval, loan approval or commitment to lend.