Sarah Hilmes
Sales Team Lead
[email protected]
Phone: (423) 269-2820
Mobile: (423) 443-5379
6085 Arbury Way | Suite 201
Ooltewah, TN 37363
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NMLS 1234943
Licensed in: AL, FL, GA, KY, SC, TN
AL 88076 | FL LO117889 | GA 1234943 | KY MC932305 | SC MLO–1234943 | TN 1234943
My journey into the mortgage industry wasn’t exactly something I planned. It kind of fell into my lap! While I was working in banking during college, a client who believed I would be great in the mortgage business encouraged me to come work with him. I decided to take that leap of faith, and the rest is history. I’ve been in the mortgage industry since 2014 and have worked in finance since 2007.
What I love most about being a mortgage lender is helping people discover that homeownership may be possible for them when they never thought it could be. There is nothing quite like watching a family get the keys to their new home, hearing the kids tell me which bedroom they picked, and knowing I had the opportunity to be part of such an important moment in their lives.
Buying a home is an emotional experience and one of the biggest investments someone can make. Being trusted to guide my clients through that journey is an honor I never take lightly. To me, this is a relationship business, not a transaction. I genuinely care about the people I work with, and some of my clients have become lifelong friends. The relationship doesn’t end when the loan closes. I love being able to continue watching their journey and being there for whatever comes next.
I would describe my approach as highly personal, attentive, and focused on each client's individual needs. I never want anyone to feel like a number. I make it a priority to answer every question and make sure my clients understand what is happening throughout the process. No question is too big, too small, or too simple to ask!
Whether you’re purchasing your first home, buying your forever home, or building an investment portfolio, my goal is to help you make informed decisions and feel confident throughout the process. I want my clients to walk away feeling educated, empowered, and confident, not confused or overwhelmed by mortgage terminology. Communication and transparency are also incredibly important to me. My clients should never have to wonder where they stand, what happens next, or whether we’re still on track for closing. I believe in keeping them informed every step of the way.
Outside of work, family is everything to me. I’ve been married to my high school sweetheart since 2016, and together we have two beautiful boys and one sweet pup. To me, home is so much more than a house. It’s where my family feels safe, connected, and loved. It’s where we make memories, celebrate milestones, laugh together, and simply get to be ourselves.
My promise to every client is simple: you will never feel like a number. I want every person I work with to feel like they are my only client. From our first conversation through closing and beyond, I’m invested in your journey and committed to being in your corner.
And when you receive the keys, I don’t consider that the end of our relationship. It’s the beginning of a lasting one. Whether you have a mortgage question years down the road, are thinking about refinancing, or are ready for your next move, I want to be the person you know you can call.
My goal isn’t simply to help you close a loan. I want to be your trusted mortgage resource for life.
GA 1234943 | Georgia Residential Mortgage Licensee.
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What Customers & Realtors Say About
Sarah Hilmes
36 five-star reviews
Tabitha C.
08/11/2026
The whole process went so fast and smooth. Sarah was amazing! She let us know everything as the process came along. She is definitely our go to!
James M.
08/08/2026
Great experience
Anthony T.
08/07/2026
Overall experience was a 10/10 Sarah was amazing and made the entire process headache free.
Jeffrey B.
07/30/2026
It was great. Sarah made this extremely easy for me!
Trask D.
07/29/2026
Sarah was fantastic and took the time to answer any questions we had along the way.
Obrian P.
07/28/2026
UHM made my loan process pain free and seamless. They usually say its much easier for the seller than the buyer. I couldn't tell you a difference because they made the whole process go by very well.
Hannah N.
07/28/2026
Overall, things went smoothly, everything was explained well, everything was prompt
Samantha H.
07/27/2026
My experience with UHM was absolutely wonderful, and so much of that is because of Sarah. She was truly amazing throughout the entire mortgage process. Sarah was incredibly knowledgeable, responsive, patient, and always willing to answer my questions and walk me through every step. She made what could have been a stressful and overwhelming process feel smooth and manageable. I always felt like she genuinely cared about helping us and making sure everything went as smoothly as possible. I cannot recommend Sarah highly enough. She went above and beyond, and I am so grateful we had her to guide us through the process of purchasing our new home!
Jonathan G.
07/19/2026
Sarah was absolutely wonderful to work with throughout our home loan process. She was incredibly knowledgeable, responsive, and always quick to answer any questions we had. She kept us informed every step of the way and made what could have been a stressful process feel seamless and easy. Her professionalism, efficiency, and dedication gave us confidence from start to finish. We truly appreciated all of her hard work and would highly recommend Sarah to anyone looking for a lender who genuinely cares about her clients.
Olga R.
07/06/2026
Easy
Megan T.
05/22/2026
Wonderful experience
Logan H.
05/22/2026
Efficient, smooth, easy, fast.
Zachary F.
05/06/2026
Fast, easy, and great service!
Steven W.
04/11/2026
Fast, responsive, and easy. I’m very glad I switched from regions to UHM otherwise I wouldn’t be moving into my new house already.
Shikira T.
03/17/2026
My overall experience with UHM was nothing short of amazing. I worked directly with Sarah, who helped facilitate the process of me purchasing a home. With being a first time home-buyer, I had lots of questions that were addressed and answered promptly. I look forward to working with Sarah to any future purchases and would recommend her to anyone thinking of starting this process!
Savannah M.
02/19/2026
Sarah Hilmes was absolutely incredible!! She helped every step of the way and was super patient with my timeline. Her willingness to work with me was above and beyond. I highly recommend her!
Melissa S.
01/31/2026
I really enjoyed working with Sarah. She was knowledgeable helpful and thought outside the box. I really appreciated her communication and dedication in getting me to the closing table.
Daniel D.
01/08/2026
The best lender I’ve worked with. Thankful
Dustin R.
12/23/2025
Kimberly C.
11/18/2025
Tiffany C.
11/11/2025
Christy G.
10/09/2025
William L.
10/04/2025
Eric S.
08/25/2025
Theodore S.
08/24/2025
Blade A.
07/14/2025
Logen B.
07/12/2025
Sheena W.
05/21/2025
Travis H.
05/21/2025
James P.
04/11/2025
Dustin J.
03/31/2025
Paul M.
03/17/2025
Yvonne S.
03/11/2025
Douglas S..
Everything Sarah did was perfect! The service, attention, and availability were on point. Any questions were answered no matter what time it was.
Dustin M..
We sold our home in Indiana and that process was a complete nightmare. Sarah made the process of buying in a new state smooth and flawless. She was kind and helpful and really helped us understand the process. She was great with all our questions and made this big life change seem less scary.
Chris H..