Jim Hughes was very good to work with, and had our interest in mind at all times Very happy with Jim and Encore Lending. Took very good care of us, and kept us informed on what was happening at all times. No surprises along the way, and everything was as we were told and expected. We were given a closing date when we started, and everything worked out as it should

Above and Beyond I am self employed, and due to the nature of my business, it was difficult to get my mortgage to go through due to the requirements for debt-to-income ratio. Jim did everything he could to ensure that we not only got our best option for a mortgage, but also got us the best interest rate and was able to keep our closing date when we needed based on the sale of our other home. Jim really fights for you and we couldn't imagine using anyone else.

Jim Hughes was AMAZING to work with!! Jim Hughes was simply AMAZING & I couldn't have ask for anyone better to handle our home loan process. His knowledge of the home loan process was very comforting & also helped me better understand the process as well. He ALWAYS responded to my call/text/email regardless of the time of day & went above & beyond his job title! I'm grateful for Jim & his work ethics along with his genuine and caring heart.

Excellent Service - Very Responsive! Jim was incredibly helpful setting up the mortgage for our new house. He answered all of our questions and got us a great rate on a mortgage with no origination fee. I’m definitely recommending Jim to my friends!

Jim Hughes made our home-buying experience an actual pleasure! We could not have asked for a better team to help Michael and I find our new home. Among them was Jim Hughes, our broker from Encore Lending Group. Jim was not what you expect in a mortgage broker. Any question I had, I just emailed or texted, and Jim called back within minutes and thoroughly answered all my questions as well as providing additional education to really help me to understand the process. He never seemed rushed, acting like I was his only client when, clearly, his practice is busy.

Jim has tons of experience in his field, is well-educated and intelligent, but his greatest asset, by far, is the integrity with which he conducts his business.

Thank you, Jim Hughes, for making this home-buying experience so clear, simple, and smoothly executed!

Excellent experience Jim was great to work with and made the mortgage application process very easy. He asnwered all of our questions and is very knowledgeable. I would recommend him to anyone looking to buy a home.

Trusted Lender Jim Hughes and his team have been great to work with. They take the stress out of purchasing a home. I have used Jim on 3 separate home purchases and would highly recommend him and his team. Kudos to Misty as well. She was a big help during the process.

Very helpful!! Jim was extremely helpful and got back with us very quickly on getting the loan started all the way through to closing. He and his team made the process much easier on our family!

Top notch I have bought several homes in the past all with different lenders. Jim Hughes and his team are top notch and they made everything extremely easy and enjoyable! We will definitely use him in the future I and I would recommend him to anyone looking to purchase a home!

Honest, fast, and helpful Jim explained the process from start to finish. Anytime we had questions, Jim and the folks at Encore were always accessible and willing to speak with us. Jim worked for us to get the best terms for our home loan.

Fantastic! Jim was amazing to work with! He took the time to explain every step of the process, and make sure I understood everything. As a first-time home buyer, this was very important to me. He worked quickly and efficiently to ensure all my needs were met. I would highly recommend him (already have, as a matter of fact), and would definitely work with him again!

Always had an open line of communication Jim made himself accessible over the phone or through texts 24/7. No question I had was considered a stupid question for him. He was a true professional.

Excellent Jim and the Encore group were great to Work with. They made our process of buying our first home very easy. They were very professional and knowledgeable with all the questions I asked. I have sent several referalls already and place on sending more their way.

BEST EVER!! Jim at Encore is AMAZING and has a wonderful TEAM! He made the whole home buying experience so much easier than we could've hoped for! Always there to answer any questions that we had in a very timely manner. Very thorough in explaining the entire process and what to expect throughout it with a time frame that made it easy to understand. He was great with the updates, and keeping us in the loop for the entire home buying experience. I would receive both phone calls and emails, and knew what was going on every step of the way. Our loan was cleared for closing over a week before we were supposed to close, and there were no surprises. The entire transaction was seamless, and extremely well-informed. I have referred numerous people to Jim, and I intend to keep referring to him!! Even though my loan transaction was over 4 hours from their office, they made sure to make me feel like I was right there in front of them, and important. I love the team at Encore Lending Group. I love my loan officer Jim Hughes! In a time where you hear so much negative information about the mortgage industry - Jim is someone you can really trust to have your best interests at heart, and to do the best for you and your family. Do yourself a favor and choose Jim for your purchase or refinance!!

Awesome Jim was awesome. I can't begin to explain how good he was to us. He was highly recommended and I highly recommend him. This was my first time buying a house and couldn't have did it without Jim's help. I didn't even think I had good enough credit to buy a house and called Jim and now I have a better house them I dreamed of having.

He was available 24-7. Jim and his staff make the process seamless for his clients. I have purchased several homes in the past 30 years and this was the easiest. He was available 24-7. I had a couple of questions about the information he requested and I had to call him mid afternoon and while in the middle of a business meeting out of town , Jim took my call and answered my questions. i will and have already recommended His and his staff to my friends and family.

He was extremely helpful and knowledgeable. Jim Hughes did an excellent job helping us finance our first home. As new homeowners, we needed someone who could walk us through this process patiently and carefully. Jim did just that and answered all of our questions. He was extremely helpful and knowledgeable. We couldn't be happier with how everything turned out!

He assured me he would be my advocate from the outset of the mortgage process and ... I highly recommend Jim Hughes. He assured me he would be my advocate from the outset of the mortgage process and he far exceeded my expectations. Through the highs and lows of getting a home loan in the current mortgage climate, Jim was supportive, reassuring, and in the end made it all work. Some of the happiest words I have heard are "You are clear to close"! Jim Hughes made that happen for me.

A very straight forward man Jim work extremely well with my realtor and hard to ... Purchasing my first for home was a stressful and tough event, until I was put in contact with Jim. Jim is a smart and honest guy while others gave me the run around 5 minutes with Jim and we figured out my financing how much home I could afford and the loan I needed to go with. A very straight forward man Jim work extremely well with my realtor and hard to get me in my home. I'd recommend Jim to anyone looking to purchase a house.

His no nonsense approach toward our mortgage allowed us to save a ton of money in ... Jim did an excellent job with helping up get a mortgage for our new home. He was always straightforward and willing to answer all of my questions (even when it was at 9pm a few times). It's hard to find someone who is down to Earth and willing to go the extra mile for you without being pushed nowadays but Jim did just thst throughout our entire four month process. His no nonsense approach toward our mortgage allowed us to save a ton of money in fees that other large lending groups in the area wanted to charge us on top of the mortgage itself. The road to the end had a few kinks thrown in it but Jim was able to find fixes and kept us in the loop for everything. Jim has even called to check on us and our new house a few times since we've closed. It's nice to have someone who truly cares about his clients like that. We will probably never buy another house but there is no doubt in my mind if we ever do, Jim will be the first person I go see out of anyone in the Tri-cities area. THANK YOU JIM!

He is very forthright so you know where you stand. Jim did a great job with our home loan. He is very forthright so you know where you stand. He always returns call asap, kept us well informed about what is going on, and answered all of our questions.

It was a blessing to have been referred to Jim with Encore Lending Group. At first we were leary of a mortgage broker rather than working directly with a bank. It was a blessing to have been referred to Jim with Encore Lending Group. First, their services really cost us no additional money. In our situation, there was a problem with a credit score not reporting. Not a bad score but NO score because of changes to how the bureaus report. Jim touched based with many people to pin point exactly down to the detailed instructions and timeline on what needed to be done to not halt our home purchase. Jim was very easy to reach and kept in touch even during the waiting periods. He even attending the closing with us! Jim will explain this process in a way you can understand during every step. I only knew and continue to know Jim and his team in a professional business working capacity. I would highly recommend Encore Lending Group for any home mortgage need.

He always returned my calls and has still continued his commitment to be there for ... I was very confident in Jim's experience and knowledge base as it was quite evident in his communications with me and helping me overcome some financial challenges . Most importantly, his personal commitment to guide me through the process and his ready availability were very reassuring. He always returned my calls and has still continued his commitment to be there for me even 6 weeks after we closed. I would recommend him highly to anyone in need of mortgage services.

He was quick to respond and patient with my questions. From start to finish Jim Hughes was a caring, helpful, and thoroughly knowledgable agent. He was quick to respond and patient with my questions. I recommend him without reservation

I told him what type of rate I wanted and how long I wanted to pay on my refinance. Jim was very helpful with the refinancing of my home. I told him what type of rate I wanted and how long I wanted to pay on my refinance. He work on it in a timely manner and got actually better than what I had ask for. He was always great at keeping in touch with me on the progress of the application and quick to answer any concerns or questions I had about it. If I ever need a home loan or a refinance in the future I will most certainly call Jim and let him work for me again.

Having purchased a home prior to using Jim, I can tell you that Jim will not steer ... My wife and I had recently moved to Johnson City, TN and Jim was recommended by a good friend. Jim is outstanding and puts his clients first. If it isn't a good deal for his client he won't do it. Having purchased a home prior to using Jim, I can tell you that Jim will not steer you in the wrong direction on anything. Rest easy knowing Jim has your best interest in mind.

We are first time homebuyers and Jim gave us a great experience and I would recommend ... Jim is very helpful and walks you thru every step of the way and made things very simple for us. We are first time homebuyers and Jim gave us a great experience and I would recommend him to anyone looking to buy a home. Thanks again for all of your help!