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Mortgage Loans Chattanooga Tennessee Greg Petree (Branch Manager) Kathy Cotsakis (Senior Loan Officer) Deeanna Jeffreys (Loan Officer)

Kathy Cotsakis – NMLS#206701

Senior Mortgage Loan Officer

Kathy Cotsakis Kathy Cotsakis on facebook

As a licensed Mortgage Loan Originator and Real Estate Agent since 1990, It has been my pleasure to help hundreds of families in Georgia and Tennessee to purchase or refinance their dream homes! I take great pride in making sure you’ll understand each step of the process in simple and understandable terms, you don’t do this everyday – I do.

In today’s Real Estate Market, you may think you are “upside-down” in your current property. This may be the case, but there are still options available to you to refinance your home and save on your monthly payments.  Let’s look at your individual situation and evaluate your options.

Many people are afraid to make that first call feeling they’ll be embarrassed or turned down to purchase or refinance their home, not knowing what their credit standing may be. Good or bad, you’ll never feel intimidated here.  I work closely with the credit providers to ensure that I know what you can do to get a loan, no matter what your credit standing is.  If credit needs repair, I will assist you or direct you to the appropriate sources for more in-depth help.

While Loan Simple offers all types of home loans, some with low or no down payments,  I take particular pride in helping Veterans who’ve served us.  I have worked hard to become well versed in VA lending, eligibility requirements, funding fees, income, and more.  100% financing just for YOU, call me and let me help you take advantage of this valuable benefit!

Call or email me through our contact form today, let’s get started!  Buying or refinancing your current property, we’ll review the options and work together to make it happen.

Kathy

VA Mortgage Loans with Senior Mortgage Loan Officer Kathy Cotsakis
Coming Soon!
 
For up-to-date information and more accurate mortgage calculations, contact me for free consultation.
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HomePath Mortgage

HomePath Mortgage allows a borrower to purchase a Fannie Mae-owned property with a low down payment, flexible mortgage terms, no lender-requested appraisal and no mortgage insurance. Expanded seller contributions to closing costs are allowed. read more

FHA Loans vs Conventional Loans

Here we will sum up the two most common loan types out there: conventional loans and FHA loans. Let’s get right to it! read more

USDA Rural Development Mortgage

With the USDA Rural Development option, you can borrow 100% of the appraised value. This means you don’t need to come up with the down payment. In fact, you can actually borrow 2% more than the appraised value, and use the extra to make some light repairs or home improvements. The main requirement for a USDA Rural Development mortgage is that the property must fall within certain geographical areas, outside the city limits of major metropolitan centers. read more

FHA Renovation Loan

What is an FHA 203k?

An FHA 203k loan is one of the more popular and easier to qualify renovation loans on the market right now. It is a loan backed by the federal government and intended to allow people to purchase and renovate a home with one loan. This is how it works: read more

HomePath Renovation Mortgage

Homepath Renovation Mortgage is a mortgage product that allows the borrower to make light to moderate repairs on a Fannie Mae-owned property and roll the costs of the renovations into the mortgage. read more

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A reverse mortgage is a special loan for senior citizens that allows them to convert a portion of their home equity into cash. Unlike a traditional mortgage or home equity line, borrowers are not required to make a house payment after borrowing the money as long as they use the home as their primary residence. A Reverse Mortgage can also be used for the purchase of a new home! Ask one of our loan officers for details on that. read more

Loan Simple
NMLS# 3032
8052 Standifer Gap, Suite A, Chattanooga, TN 37421
Branch NMLS# 386455

Equal Housing Lender

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