Welcome Home

Your Journey to
Homeownership
Starts Here

With Michael Worley at Guaranteed Rate, experience personalized mortgage solutions crafted just for you. Serving Johnson City and surrounding communities with expertise and dedication.

Schedule a Consultation Call (423) 241-8658

15+

Years Experience

500+

Families Helped

$100M+

Loans Closed

A+

Customer Rating

Our Services

Mortgage Solutions Tailored to You

Whether you're a first-time buyer or looking to refinance, we offer comprehensive mortgage services to meet your unique financial goals.

Purchase Loans

Find your dream home with competitive rates and flexible terms. From first-time buyers to seasoned homeowners, we guide you through every step.

Refinance

Lower your monthly payments, shorten your loan term, or cash out your equity. We'll analyze your current situation and recommend the best strategy.

Jumbo Loans

Premium financing solutions for high-value properties. Enjoy competitive rates and personalized service for your luxury home purchase.

VA Loans

Honor your service with specialized VA loan programs. No down payment required and competitive rates for veterans and active military.

FHA Loans

Flexible financing with lower down payment requirements. Perfect for first-time buyers or those with limited savings.

Rate Locks

Protect yourself from market fluctuations with our flexible rate lock options. Lock in your rate when it makes sense for your timeline.

About Michael

A Trusted Partner in Your Mortgage Journey

With over 15 years of experience in the mortgage industry, Michael Worley has helped hundreds of families in the Johnson City area achieve their homeownership dreams.

As a Guaranteed Rate loan officer, Michael brings the strength of a national lender with the personal touch of a local professional. He's committed to making the mortgage process smooth, transparent, and tailored to your unique situation.

NMLS #1495938

Licensed in Tennessee

Guaranteed Rate

Nationwide Lender

Let's Work Together

The Process

Your Path to Closing

We've streamlined the mortgage process to make it as simple and stress-free as possible.

Consultation

We discuss your goals, review your finances, and determine the best loan program for your needs.

Pre-Approval

Get pre-approved with confidence. We'll provide a clear picture of your budget and purchasing power.

Processing

Your application is processed efficiently. We keep you informed at every step of the way.

Closing

Sign your papers and receive your keys. We make closing day smooth and celebratory.

Testimonials

What Our Clients Say

"Michael made our first home purchase incredibly easy. He explained everything clearly and was always available to answer our questions. We couldn't be happier!"

Sarah & James M.

Johnson City, TN

"We refinanced with Michael and saved hundreds per month. His expertise and attention to detail made the whole process seamless. Highly recommend!"

Robert & Linda K.

Bristol, TN

"As a veteran, I appreciated Michael's understanding of VA loans. He went above and beyond to ensure I got the best rate possible. Thank you, Michael!"

David T.

Carter County, TN

Get In Touch

Ready to Start Your Mortgage Journey?

Whether you have questions or are ready to apply, we're here to help. Reach out and let's discuss your goals.

Office Address

178 W Springbrook Dr
Johnson City, TN 37604

Phone

(423) 241-8658

michael.worley@rate.com

Office Hours

Monday - Friday: 9:00 AM - 5:00 PM
Saturday - Sunday: By Appointment

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