Neal Bailes Knoxville TN Mortgage Lender

About Neal Bailes

Neal Bailes is the founder of Real Estate Finance Group (REFG) and a Knoxville mortgage professional with approximately 30 years of lending experience. He founded REFG in 2001 and has personally closed more than 1 billion in residential mortgage volume. His practice is built on repeat clients and referrals, reflecting a focus on responsive communication, problem-solving, and reliable execution. Clients work directly with an experienced lender rather than a call center model, bringing three decades of judgment to every file. Neal has been recognized among leading UWM producers in Tennessee and maintains consistently strong client reviews.

Credentials & Expertise

Neal Bailes is recognized as a Knoxville mortgage professional with approximately 30 years of lending experience. He founded REFG in 2001 and has personally closed over $1 billion in residential mortgage volume. He has been recognized among leading UWM producers in Tennessee and consistently maintains strong client reviews. REFG is an over 90% referral company, built on trust and integrity. Every person in his office has over 27 years of experience in the mortgage business.

REFG Mortgage Solutions

Real Estate Finance Group (REFG) offers extensive financing options coupled with concierge-level service, making them a leader in home financing. They help clients find the right mortgage to maximize liquidity, flexibility, and tax liability. Key offerings include Conventional Loans, Jumbo Loans, VA Loans, FHA Loans, Interest Only Loans, Mortgage Refinancing, and Assumable Mortgages. REFG also highlights its commitment to transparency by having zero mortgage junk fees, unlike some competitors who charge over $1000 in fees.

Unique Advantages

Neal Bailes and REFG distinguish themselves through extensive experience, with Neal having approximately 30 years in the industry and his team each possessing over 27 years. They boast over $1 billion in closed mortgages and operate on a referral basis, indicating high client trust. A significant differentiator is their commitment to transparency with zero mortgage junk fees, contrasting with industry norms.