I am committed to providing ideal financing options to homebuyers and homeowners in the Tri-cities, East Tennessee area. Whether purchasing your first home, investing in real estate, or refinancing a home, I will make certain to provide all options to help choose the best solution for your unique situation.  Rate has a highly competitive pricing structure and coupled with our state-of-the-art technology, we are second to none in our commitment to guiding you through the home buying or refinancing process. Rate offers a comprehensive list of loan programs including: Conventional, Jumbo, FHA, VA, USDA, New Construction, THDA, First Time Homebuyer and various 100% financing options.  I have been in the mortgage business for over 7 years, gaining the knowledge and expertise to help put you at ease throughout the mortgage process. During the last 5 years I have received many accolades, including, a top 3 THDA Loan Originator in the state of Tennessee as well as a the #1 Loan Originator in the Tri-cities in units and top 3 in overall volume in 2019 and 2020.  My diverse experience in the mortgage industry, paired with my degree in construction engineering, has given me an eye for detail allowing me to better assist you and ensure a smooth process from origination through closing. Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

Branch Manager/VP of Mortgage Lending

Michael Worley is your Johnson City local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Michael is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Michael at (423) 241-8658 for more information!

Michael Worley at Rate (NMLS #1495938)

Johnson City

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