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  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • Special financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • Construction Loans
  • Rate watch available to help you land the perfect rate
  • Helpful mortgage officers with working knowledge of the local real estate market
  • Pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing in East Tennessee
  • Attentive, friendly service from start to finish

Visit our Mortgage Web Center to view rates, learn more, and apply!

Haven’t sold yet, but want to buy? Learn more about ourTNBANK in-house bridge loans.

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For many retirees, a big question you may have is how to supplement your retirement income? After all, retirement is the beginning of a new era and your work income is replaced by other sources such as social security, pensions, etc. With about 50% of retirees' net worth invested in home equity, a reverse mortgage can be a useful financial planning tool to help supplement your income.

What is a Reverse Mortgage?

A reverse mortgage is a loan available to seniors age 62 or older that allows them to turn the equity in their home into cash to use as they wish with no monthly payment requirements.1

Qualifications for a Reverse Mortgage?

  • You must be age 62 or older (a non-borrowing spouse may be under age 62)
  • You must own, or be purchasing the home, as your primary residence
  • You must complete a counseling session with a HUD-approved counseling agency so that you clearly understand the loan program and its benefits
  • You must meet the financial assessment requirements of the HECM program

Reverse Mortgage Benefits and Features?

  • No monthly payments* – loan must be repaid when the last remaining borrower leaves the home.
  • Can help you turn the equity in your home into cash.
  • You retain ownership of the home – subject to a lien by the lender, the same as with any other mortgage.
  • A Home Equity Conversion Mortgage (HECM) reverse mortgage is backed by the Federal Housing Authority (FHA)
  • Allows you to age in place
  • You cannot lose your home as long as you continue to:
    • Stay current with your property taxes and home owner’s insurance
    • Comply with all loan terms

Uses for a Reverse Mortgage

  • Paying off an existing mortgage or purchasing a new home
  • Reducing credit card debt
  • Paying everyday bills
  • Affording medical expenses and in-home care
  • Repairing the home
  • Setting it aside for potential emergencies
  • A financial planning tool for retirement
  • Anything else you choose

At TNBANK, we understand that your home loan is a BIG DEAL and you may have many questions about a reverse mortgage. Rest assured, we are dedicated to help you understand how a reverse mortgage works and how it may benefit you and your family.

Meet our Reverse Mortgage Specialists for more information.

  • Bert Burgett (865) 298-1609
  • Ken Wieland (865) 681-9444

1If you qualify and your loan is approved, a HECM Reverse Mortgage must pay off your existing mortgage(s). With a HECM Reverse Mortgage, no monthly mortgage payment is required. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must also occupy home as primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan becomes due and payable when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or defaults on taxes and insurance payments, or does not comply with loan terms. Call 865-483-9444 to learn more. A Reverse Mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). These materials are not from HUD or FHA and have not been approved by HUD or a government agency.


Homes for Heroes, Inc. is the largest nationwide network of affiliate real estate specialists and local business affiliates committed to providing easy ways for the heroes of our nation to save on a home, and everyday home-related purchases. TNBANK Mortgage is pleased to announce that we are an affiliate lending partner and we have committed to help you save money by waiving the appraisal fees for every qualified hero who closes a loan with us.

Shortly after 9/11, Homes for Heroes, Inc. was established to give back to firefighters, law enforcement, military (active, reserve, and veterans), healthcare workers, EMS, and teachers for all they do; and Hero Rewards is our way to say. “Thank you.”

To expand the circle of giving, Homes for Heroes, Inc. donates a portion of its earnings to the Homes for Heroes Foundation. Every time a hero buys or sells a home using the Homes for Heroes program, they are helping heroes in need.

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Contact Us

Lorie Wilson
Work: 865-483-9444

Mortgage Officers

Lorie WilsonLorie Wilson 

NMLS ID# 1447266

No matter if you’re buying, selling, refinancing, or building your dream home, your loan specialist plays a very important role in that process. Market conditions and mortgage programs change frequently, so choosing an experienced professional who is able to give you quick and accurate financial advice is very important. As an experienced loan officer I have the knowledge and expertise to guide you through the process and help you explore the many different financing options available.  My goal is to explore these options together, and choose the best fit for you and your family.  I am committed to providing you with the absolute best mortgage experience available.  On a more personal note, I am the mother of two wonderful children.  I am very active within my community serving as a Homes for Heroes affiliate Lending Partner, a Junior Achievement Volunteer Teacher, Leader of the Anderson County Networking Today Chapter, Board Member for Crossroads Ministries, and am also on the Board of Trustees for Girls Inc.. I feel passionate about giving back to my community and truly have a servants heart which shows both in my personal life and professional career.  Contact me at or (865) 298-1608

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Darrel Hitson 

NMLS ID# 1481270

Growing up in Alcoa and attending the University of Tennessee, Darrell Hitson has built strong roots within the community. Having the importance of a strong work ethic instilled from a young age he has been successful in assisting clients at a top level throughout his career. As a Mortgage Specialist, Darrell brings 13 years of experience in the financial industry and a solid reputation for making his clients a top priority. He believes in thinking outside the box and going the extra mile to achieve solutions for every customer. Having built strategic alliances with experienced realtors and others within the real estate market, Darrell can put your mind at ease and help you throughout the entire home buying process. While he’s not busy helping clients, Darrell enjoys golfing, cooking, UT sports and spending time with his wife and two schnauzers.  Contact me at or (865) 392-1869



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Todd Kohlbusch 

NMLS ID# 1659463

After many years in corporate sales and small business management, it’s been a privilege for me to serve you with a learned ability of truly listening to hear your needs, analyze your financial information and then provide a counseling approach to help you match TNBANK’s best loan option to your situation.

I look forward to walking with you step by step through the Mortgage process. Having processed loans, originated loans and having purchased/refinanced homes multiple times, I have the experience to help smooth the way for you during the purchase/refinancing process. At TNBANK Mortgage we pride ourselves in keeping you continuously informed as we meet each milestone to Closing.

Discipling folks over the years has provided me a great deal of satisfaction. I’ve greatly enjoyed extending this experience into helping families make sound home financing decisions. It’s my goal for this to be the case for you and for us to enjoy the process and have some fun along the way!

Please contact me anytime at or 865/617-7447

Reverse Mortgage Specialists

Bert Burgett

Bert Burgett 

NMLS ID# 1606430

A resident of East Tennessee and the Knoxville area for over 33 years, I am a Reverse Mortgage Specialist in TNBANK’s Mortgage Division. You might see me at networking events, gatherings of seniors, sporting events, taking group exercise classes at National Fitness Center, or enjoying time at Dollywood or on the lake with my grandchildren or with girlfriend Beth, who lives in Bristol TN.  With prior experience in financial planning, domestic and international credit, IT, and sales, I have talked with and served customers in almost every country around the globe and in all 50 States. Now, I help seniors make smart financial decisions for their retirement, whether they are in their 60s, 70s, or later years. TNBANK reverse mortgage products use home equity to pay off an existing debt (mortgage or credit card debt), repair or remodel your home, afford medical or in-home care, supplement other income, provide a credit line for potential emergencies, or even purchase a new home. I’ve helped people with homes valued from less than $100,000 to over $800,000.  What concerns do you have about current or future cash needs? My direct line is 865-298-1609 and email is

Ken Wieland

Ken Wieland

NMLS ID# 162727

Ken recently became the only Certified Reverse Mortgage Professional in Tennessee and one of a handful in the nation!  Ken is empathetic to the unique needs of Seniors and passionate about helping them achieve their financial goals. Along with making the Senior homeowner knowledgeable of all policies, procedures, and underwriting requirements of a Reverse Mortgage, Ken makes sure they have a thorough understanding of this unique retirement tool. Ken hosts seminars and educational workshops all across East Tennessee to help Seniors make informed decisions about the resources available to them.  Ken was raised in Gatlinburg, TN. And in 1969 and while in high school, he earned a private pilot’s license. Ken attended Walters State Community College and The University of Tennessee while working at the local airport and acquiring all of the licenses and ratings necessary to work as a corporate pilot and finished the Airline Transport Rating required to be a Captain of a Commercial airliner. Before being hired in 1978 by Piedmont Airlines / US Airways, he flew for several major companies in the Knoxville area. His last position was as a Deputy United States Marshall, which requires an extensive background check, and allowed Ken to fly chartered aircraft for the government.

Cell #: 865-924-0807

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