Tammy Watley
Branch Manager
[email protected]
Mobile: (251) 209-9020
280 McGregor Ave S | Suite A-2
Mobile, AL 36608
NMLS 491828
Licensed in: AL, FL, MS
AL 61697 | FL LO151082 | MS 491828
Tammy Watley has been a licensed loan originator since 2003. Located in Mobile, AL, she will help you through every step of your home buying journey.
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What Customers & Realtors Say About
Tammy Watley
99 five-star reviews
Chelsey L.
08/16/2026
I cannot say enough good things about my experience with this lending team. Buying a home is stressful enough, and our closing had more than its fair share of complications—but our lender was incredible through it all. Tammy truly fought for us every step of the way. She was proactive, persistent, and always ahead of whatever issue came up. There were moments I wasn’t sure we’d make it to closing, but I never doubted she was doing everything possible to get us there. Most importantly, I never felt like just another loan file. I felt supported, advocated for, and genuinely cared for. We made it to closing because of her dedication, and I’m so grateful. I would highly recommend this team to anyone looking for a lender who truly shows up when it matters most.
Mary Baldwin S.
08/16/2026
I felt overwhelmed by the mortgage approval process for the modest home I had long wanted to buy. Tammy Watley explained the loan application clearly, guided me through the required paperwork, and outlined options to help me secure the lowest possible monthly payment. She handled my limited computer skills with remarkable patience. Tammy is a dedicated problem solver with a strong work ethic who never gives up. She is also upbeat, calm, and kept me informed throughout the process. I am now happily livi
Mary Baldwin S.
08/16/2026
I felt overwhelmed by the mortgage approval process for the modest home I had long wanted to buy. Tammy Watley explained the loan application clearly, guided me through the required paperwork, and outlined options to help me secure the lowest possible monthly payment. She handled my limited computer skills with remarkable patience. Tammy is a dedicated problem solver with a strong work ethic who never gives up. She is also upbeat, calm, and kept me informed throughout the process.
Melissa D.
08/13/2026
My experience was fantastic from start to finish. Even with some of our hurdles, everyone came together to find a solution and move forward.
Lawrence L.
08/09/2026
Lawrence L.
08/09/2026
Rough start. I was 15 years out of date. An outline of hoops to jump through have been nice.
Douglas W.
08/06/2026
Tammy and her team were thorough and communicative to support us through the entire process!
Stephanie B.
08/03/2026
I had a great experience
Brandon H.
08/02/2026
I had a great experience. I am a first time homebuyer and Tammy made the process easy to understand and we were able to close quickly.
Justin E.
07/31/2026
Tammy and her team were great, I was well informed of processes that I was unfamiliar with and at no time during the process was I doubtful that I wasnt being taken care of.
Paul H.
07/28/2026
Working with Tammy Watley and her team was nothing short of exceptional. I honestly wouldn't trust anyone else with financial decisions. She is a true pioneer in the mortgage industry; knowledgeable, innovative, and relentlessly committed to her clients. From start to finish, she and her team made what can often be a stressful process feel seamless and straightforward. Their communication was outstanding, and every question was answered promptly. Tammy genuinely cares and always has my best interests at heart. Her professionalism, integrity, and dedication are second to none, and it's obvious why she has earned such a stellar reputation.
Jessica D.
07/18/2026
Great
Donna D.
07/07/2026
Everyone was so helpful and sure to respond with any questions and help.
Woodie H.
05/28/2026
My wife and I have been very happy with our experience that we have had with your company
William W.
05/25/2026
It was a great experience every time I spoke with Tammy Watley she was very helpful every time I called or text she got to me as soon as she could kept me in the loop of what was going at all times she was excellent I wouldn’t deal with anybody else
William W.
05/25/2026
It was a great experience every time I spoke with Tammy Watley she was very helpful every time I called or text she got to me as soon as she could kept me in the loop of what was going at all times she was excellent I wouldn’t deal with anybody else
Robert C.
05/15/2026
Just excellent
Erica T.
04/28/2026
I had a very positive mortgage experience due to Tammy’s strong communication and streamlined process. She was responsive, clear, and proactive, which made the entire transaction easy to navigate and gave me confidence from start to finish.
Keith B.
04/28/2026
Excellent
Leo G.
04/05/2026
The whole process was easy. Tammy and everyone at UHM made it all go smoothly.
Joshua H.
02/22/2026
Outstanding
Garrison S.
02/05/2026
Our overall experience was great, the customer service, friendly staff, and quick process time made for a wonderful experience.
David C.
12/22/2025
Shawn C.
12/22/2025
Easy, fast, great communication.
Kyle D.
12/14/2025
Third time and it’s still a charm! Communication was still terrific if not the best dealing with tighter buyer qualifications. The UHM team still provided exceptional service, made magic happen, communicated schedules while fixing any issues, and closed the deal in record time. The experience has been too good to be true. Thanks again team!
David A.
12/11/2025
It was very professional! And Amazing!!!!
Kelsey C.
11/04/2025
My overall experience was great. Everything went smooth from start to finish, and everyone I spoke with was helpful and easy to work with. They made the whole process stress-free.
Stevie D.
10/29/2025
Jason G.
10/21/2025
Kyle D.
10/12/2025
UHM did it again! The communication and updates are so calming, frequent, and consistent. I was always in the know of where we were in the process as well as the expected timeline, what steps had been completed, and what steps were next. I refuse to work with another team! See you all on the next one!
James N.
09/26/2025
Both Tammy and Kelly were very professional, competent, accommodating, and pleasant to work with.
Jenna R.
09/24/2025
Everything was easy, simple and great communication the whole time. I am very grateful for the efficiency and the ability to get me closed quickly.
Abigail D.
09/23/2025
Wonderful!
Garland T.
09/09/2025
It was a great experience, 10/10 would recommend!
Kyle D.
09/05/2025
Brenna W.
08/29/2025
Radcliff T.
08/24/2025
It was great.
Brandon D.
08/19/2025
Steven I.
08/05/2025
Efficient, kind, knowledgeable, and approachable. The experience was amazing!
Alecia T.
06/23/2025
Jason S.
06/10/2025
Very professional and courteous, while proactively taking care of each step in the process. Really good communication.
Nicole B.
06/08/2025
Stress free and easy!
Madison C.
05/03/2025
It was a delightful and fantastic experience. Tammy and Kelly went above and beyond and answered all of my questions and worked with me to get the best loan for me.
Alicia K.
04/24/2025
Edwin M.
04/23/2025
Very thorough, great customer service and mortgage process was extremely fast.
Stephanie M.
04/13/2025
Seamless.
Jack D.
04/02/2025
Excellent as always
Madison T.
03/08/2025
My experience with Union Home Mortgage was great! Tammy and Kelly made everything go so smoothly. Their communication was fantastic. I loved that I was able to add all the documents that were needed very easily to the app. I will definitely recommend using Tammy to anyone that I hear is moving in the future!
John W.
01/24/2025
Tammy is a great asset to your team. She has completed several loans for us over the years and offers top rated service. Thank You Tammy!
Charles H..
I appreciated the personal touch and consistent communication. The team was able to provide a clear status with next steps. The team was very accessible.
Cynthia M. .
Excellent. Thank you Tammy for being available to help me with my questions. It is always comforting to know you are working with someone who is educated in the business and is ethical, honest, and trustworthy.
Joshua R..
Tammy was awesome. I had no idea it was going to be as seamless as it was. It was so easy to stay in contact with Tammy. I knew exactly where we stood the entire process. She was great and I’ll refer everyone to her from now on.
Mason H..
It was fantastic and so easy and quick to get in contact with them. Tammy and Kelly were both so informative and helpful! We will definitely recommend Tammy to everybody who is looking for a house!
William W..
It was an excellent experience from the start. Tammy was very nice and easy to talk to, It made the loan experience quick and easy. It was great to be able to do everything online.
Michel J..
Absolutely amazing! Union Home Mortgage was recommended, and Ms. Tammy Watley made the experience of buying a home super easy! Any questions I had were answered quickly and with incredible knowledge. I’d recommend UHM purely because of her!
John M..
I enjoyed how fast and easy it was to get it done, especially being on the road working. Fast, simple, and easy is the way to be and UHM made it that way.
Elisabeth H..
Tammy and Kelly are phenomenal. They stuck by us through this entire process and really fought for us to get this loan and to get the house we wanted. They came through for us, and we have had the best experience because of them.
Ethan M..
We loved our home buying experience and appreciated all the patience and assistance that Tammy and Kelly gave us during the whole process!
Pari B..
Extremely thorough throughout the whole process. The personal touch was the best!
Michael W..
I can't emphasize enough just how comfortable both Tammy and Kelly made me feel. They made me feel like family! Being able to contact and ask my questions and getting a very quick reply, I felt very comfortable asking questions about anything.
Jennifer D..
Fantastic experience! I like that they kept me up to date on every step along the way.
Ken G..
Tammy and her team were absolutely awesome! They are 100% customer focused and made my loan processing a pleasure. I have had four other homes and by far this was the easiest experience I have ever had!
Mark W..
Tammy and her team went out of their way to explain everything and kept me in the loop through the entire process.
Devin T..
Tammy and Kelly kept it very professional and were both friendly. Excellent communication.
Billy W..
It was an excellent experience from the start. Tammy and her team were very nice and easy to talk to, it made the loan experience quick and easy. I liked that I was able to do everything online.
Barry Z..
I think everything went very smoothly. The customer service was great and the process was quick and very organized.
Will B..
Ms. Tammy spelled out exactly what I needed to do and I made sure I got it done so the process could move along smoothly. Excellent service!
Joseph M..
I walked in quite apprehensive at the situation but am overwhelmed with how it all worked out. Tammy took all the hassles and made the transaction easy for us. Thank you!
Henry M..
Very easy to deal with and explained all things very well.
Robert B..
Tammy Watley and Kelly Schultz are outstanding and would love to continue working with them in the future.
Audrey G..
My real estate agent recommended Tammy and her team because they are local and go above and beyond the call to make these types of transactions as smooth as possible! Tammy, Kelly and the rest of the team were so proactive during the entire process. Their dedication to my home loan was unmatched!
Michael E..
A friend of mine recommended Tammy and told me how great she is to work with. She was very accessible, and the process went smooth and fast. The communication was excellent. Great experience!
Toni S..
Tammy was extremely helpful, kind and very knowledgeable. The communication was excellent, and the customer service was top notch!
Bobby H..
My overall experience was exceptional! Tammy has worked with us before and she is the reason we used UHM. She went above and beyond in helping us. You have a very valuable asset in Tammy.
Deborah C..
I reached out, somewhat lost, needing help to make sense of everything, and Tammy educated me by explaining the process step by step. The customer service was excellent from day one. Tammy listened to get the big picture and helped me find a way to make my dreams come true.
Antonio P..
Tammy and her team did a wonderful job getting us pre-approved and when an issue arose, they did not give up on us. We are so thankful for what they have done for us. Outstanding job!
Robert W..
Tammy quickly provided a loan approval letter to add to our offer. This was the difference in securing a contract with the seller. The UHM team worked relentlessly to complete the closing process for us within a very tight window of 21 days. Thank you for helping us get our dream home!!!
Trace P..
I chose UHM simply because of the communication and rates offered. Tammy stayed on top of everything and went out of her way to take care of me! Overall, they made it as easy as possible for me to buy my first home. I would recommend to anyone!
Robert S..
From start to finish, this was an easy, straightforward process, with good communication and tempo to close. I have worked with Tammy in the past and will continue to refer her.
Will B..
Very professional and fast to respond! Very satisfied with the service Tammy provided. EXCELLENT!
Aaron D..
Tammy and Kelly made the mortgage process super easy. They maintained excellent communication and the process was laid out for me straightforward. I was definitely pleased with the experience. Thank you, Tammy and Kelly, for the excellent service and making the process seamless!
John W..
Tammy is a great asset to your team. She has completed several loans for us over the years and offers top rated service. Thank You Tammy!
Madison T. .
My experience with Union Home Mortgage was great! Tammy and Kelly made everything go so smoothly. Their communication was fantastic. I loved that I was able to add all the documents that were needed very easily to the app.
Edwin M..
I had the best communication experience while trying to decide on a lender. Tammy was very thorough with excellent customer service and the mortgage process was extremely fast. I will recommend Tammy and her team at Union Home Mortgage.
Stephanie M..
Tammy and Kelly were very informative about all my questions that I had. They knew so much about first-time homebuyer loans and programs. If I ever needed anything they got back to me ASAP. It was greatly appreciated. My experience was perfect!
Jack D..
Tammy and her team at Union Home Mortgage, EXCELLENT as always!
Alicia K..
My real estate agent referred me to Tammy and her team at UHM. Everything was easy and quick. The communication was excellent. Overall GREAT experience!
Madison C..
Absolutely a 10-star experience! Tammy and Kelly were exceptional—going above and beyond to answer all my questions and helping me find the perfect loan. It was truly a fantastic and seamless experience!
Nicole B..
Tammy and her team were quick with replies and gave in-depth explanations. Each plan was presented well and felt like a good fit rather than an agenda. Stress free and easy!
Jason S..
Very professional and courteous, while proactively taking care of each step in the process. Really good communication.
Alecia T..
My experience with Tammy and her team was nothing short of excellent! From the detailed explanations and fast turnaround on tasks to the ease of uploading documents and working remotely, every step was smooth and stress-free.
Richard E..
Tammy Watley went above and beyond to help me close on my new home. The sale was a direct owner to buyer so there was no realtor involved. Tammy went out of her way to do more than the typical work of a lender. She was excellent and I would highly recommend her to anyone looking to buy a home!
Steven I..
I chose Union Home Mortgage because I wanted the best. Tammy and her team lead Kelly; all great things! They were efficient, kind, knowledgeable, and approachable. The experience was amazing!
Radcliff T..
A friend referred me to Tammy and her team. The ease and ability to contact them was excellent. The overall experience was GREAT! The best part about this experience was the learning process. As a first-time homebuyer, I was learning the whole way through.
Brenna W..
Everyone gave their all to get our loan done in a crunch of a timeline and they were the bomb! Very friendly people, organized, and made us feel welcomed. If I ever buy another house, I will definitely go back to Tammy and her team at UHM.
Kyle D..
I have found a team I love to work with moving forward on my purchasing and refinancing journey. They are intelligent, organized, and supportive. Very blessed to have found such a group.
Garland T..
Tammy was very helpful and explained our options clearly. She was accessible and patient, and easy to work with! It was a great experience,10/10 would recommend!
Abigail D..
My real estate agent referred me to Tammy and said she was very communicative and efficient. The steps were laid out very simply, and the information was easy to follow. Everyone was very accessible. Overall experience was wonderful!
Jenna R..
Everything was easy, simple, and the team provided great communication the whole time. I am very grateful for the efficiency and the ability to get me closed quickly.
James N..
Tammy and Kelly were very professional, competent, accommodating, and pleasant to work with.
Kyle D..
UHM did it again! The communication and updates are so calming, frequent, and consistent. I was always in the know of where we were in the process as well as the expected timeline, what steps had been completed, and what steps were next. I refuse to work with another team!
Seth B..