Cheryl Owens
Loan Officer
[email protected]
Phone/Fax: (423) 594-0610
Mobile: (423) 504-9962
6085 Arbury Way | Suite 201
Ooltewah, TN 37363
NMLS 154893
Licensed in: TN, GA
TN 100411 | GA 29726
Cheryl brings more than 25 years of industry experience to the Industry and through her experience, as well as expertise, her goal is to provide consumers with the opportunity to achieve the “American Dream” of home ownership.
A consistent multi-million dollar producer, Cheryl holds mortgage licenses in Tennessee and Georgia. She is well versed in all aspects of mortgage lending and offers 100% financing through USDA, VA, THDA. She also offers conventional, jumbo and FHA financing depending on your individual needs. You can trust that Cheryl will provide the best possible service and have your best interest at heart.
Georgia Residential Mortgage Licensee
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What Customers & Realtors Say About
Cheryl Owens
Awesome! Supportive! On task! Cheryl and team kept in communication with me almost daily as it got closer to the closing date and till the end. Friendly! Caring! Personal!
Sylvia B.
I’ll use Cheryl again if ever purchasing another home.
Debra N.
I like the fact that the communication was excellent, I didn’t have to keep calling to find out where we were in the process, Cheryl was always one step ahead of me and took out all the stress for me. She made it an exciting time to buy my home.
Vickie L.
I enjoyed working with Cheryl, Savannah, and Vivian. Each of them responded timely when contacted which kept the process in motion. They took time to listen to me and respond to my questions. They were always professional.
Ruth L.
Cheryl Owens is hands down the best! She is always available and walks you throughout the process from pre-approval to closing. She is calm, professional, and friendly. She takes a process that can be overwhelming and stressful and makes it very seamless. I will always recommend Cheryl.
Katie H.
After speaking with Cheryl Owens for about 5 minutes I knew that she was professional, positive, and easy to work with. Cheryl walked us through each step and made some of the tougher moments much easier. She is truly the most, caring and loving person.
Jennie J.
Cheryl was so helpful, professional and kind. Answered all my questions and did so quickly.
Jill E.
They helped us every step of the way with new laws, taxes etc. There wasn't a question we had that wasn't answered quickly and accurately. They went above and beyond for us. I highly recommend this company and their wonderful and courteous staff.
Sally P.
My loan process was smooth, and easy, and Cheryl's team was the best! I never had questions unanswered. The team moved us through the process stress-free. I would recommend UHM to all my family and friends.
Luther W.
Cheryl took every call, answered every text, and always stopped what she was doing to help me understand, give me guidance or just answer a simple question. Her knowledge and expertise of the loan process, combined with her genuine concern every step of the way made me feel so at ease.
Caroline K.
Cheryl Owens honestly did an awesome job helping me and my family out. She was so nice and sweet. She did a good job communicating everything that was taking place, and answered all of our questions and concerns. I would definitely recommend Cheryl Owens for your next house lender agent.
Amanda H.
Cheryl and her team had very good communication with me, very easy to contact, and quick response time.
Courtney S.
Cheryl Owens gave me direction on what I was qualified for. She was available when I had questions and worked very well with my realtor. She made buying a home a very good experience. I will recommend her to all my friends, no matter what business she represents.
Deloris N.
They were easy to get a hold of and talk to. They explained everything, went over everything, and made it out to be an easier process than I thought it would be
Jason H.
Amazing! No delay and smooth transaction. They know how to take care of their customers. If I ever need another loan or refinance I’m definitely staying a customer of uhm. Our loan officer was amazing. She did a fantastic job with everything.
Billy R.
Cheryl always answered any questions I had in a very quick and timely manner.
Alexandra H.
Very easy process and the staff was amazing being very informative and friendly. Everything from start to finish was a stress-free process thanks to UHM!
Robert W.
We had a great experience with UHM and Cheryl. Communication was easy, questions were answered, and we felt confident.
Justin H.
Cheryl Owens and her team worked tirelessly to get me to the fish line.
Chana G.
Easy and fast with all information needed! No surprises! All information was 100 % correct and very helpful! I love Cheryl Owens like a sister and I have referred her to several of my friends! I told them they would have no regrets!
Mable G.
We have used Cheryl Owens twice now, and I will never use anyone else. She is superb! She is so much more than just a loan officer. She cared about every detail and what was truly best for us.
