Phone or Text 423.556.4545

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Start the Pre-Approval Process

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Start the Pre-Approval Process



Joe Gross

NMLS: 2286533

When it comes to buying a home in the current market, having a mortgage professional at your side that knows the local real estate market gives you the upper hand. With years of experience & an expansive network, my knowledge of the local market enables me to match our clients up with the best loan programs to meet their needs. I'll guide you through every step of the way, satisfaction guaranteed!

Encore Lending Group

NMLS: 1249911

My Services

Full Consultation

Committed to Excellence


Personalized Approach


Exceeding Expectations

Why Work With Me?

Whether you are purchasing your dream home, refinancing a current home loan, or consolidating debt, I can help you find the right loan program, no matter your needs. My ultimate goal is to create lasting relationships with each of my clients so that I may continue providing excellent service for many years to come.

Loan Types & Programs

Real Time Mortgage offers conventional, FHA, USDA, VA, and Jumbo loan programs. We are committed to providing you with the highest quality mortgage products possible, combined with competitive rates for your area. We work one-on-one with you to tailor a mortgage solution specifically suited to meet your current and future mortgage needs.

Questions? Book a Call

Whether you are buying your first home, moving up to a nicer home, relocating or want to refinance your current home, we have a loan that will fit your needs. Feel free to reach out anytime with any questions or comments!

Blog Posts

Keep Up!

Stay up-to-date with local real estate news, events, eBooks & more! Follow us online or subscribe to our mailing list for more info!

Get In Touch!

Get In Touch!

Phone or Text 423.556.4545

Monday - Sunday: 9am - 7pm

All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Pre-Qualification Disclaimer: Our partners’ pre-qualification form is a self-assessment tool to determine whether your business may be qualified for the application process, and is not an application for, nor a guarantee of credit. A completed application must be provided for underwriting review before a loan decision can be made. This page does not in any way promote any mortgage or auto loans, and it does not contain any type of credit card applications. It also does not affect your credit score.

APR interest rates can range from 3.1% to 9.9 % and is largely dependent on your personal current situation, including but not limited to credit rating and history, your monthly salary, and your debt to income ratio.

Encore Lending Group - NMLS: 1249911

Joe Gross - NMLS: 2286533

206 Wesley St, Johnson City TN 37601

Phone or Text 423.556.4545

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