Originating Branch Manager

Tim Arrowood

Originating Branch Manager NMLS# 393468 Licensed in GA, LA, NC, SC, TN and VA

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5.0
(238 reviews)
(423) 406-1567 [email protected]

119 Boone Ridge Rd., Suite 203
Johnson City, TN 37615
Branch License #2589185

About Tim Arrowood

Your mortgage is personal, and I understand that.

Buying a house can be stressful. I believe the lending process shouldn’t be.

People are drawn to large banks, credit unions and online lenders, but many of these companies have such a volume of requests that they tend to spend less time reviewing applications and often have less experienced loan officers. You can get bad advice and inaccurate estimates, which may ultimately prevent you from buying a house.

When you work with me and my team you will get excellent rates and expert advice. Buying a house can be stressful. I believe the lending process shouldn’t be.

People are drawn to large banks, credit unions and online lenders, but many of these companies have such a volume of requests that they tend to spend less time reviewing applications and often have less experienced loan officers. You can get bad advice and inaccurate estimates, which may ultimately prevent you from buying a house.

When you work with me and my team you will get excellent rates and expert advice.

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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans
Buy a home Refinance

See what Tim's clients have to say

Shirley W

Tim and his team were there from the beginning. We appreciated the constant communication from the start till closing day. Great people to work with!

May 07, 2025

Matt F

I had the pleasure of working with Tim on a recent transaction, and I was thoroughly impressed. As the agent on the other side, I truly appreciated their excellent communication throughout the entire process. They kept all parties informed, were proactive in addressing any potential issues, and ensured everything moved forward smoothly. The loan closed on time without any last-minute surprises, a testament to their professionalism and efficiency. I look forward to working with them again in the future! ... Read More

May 06, 2025

James H

Tim and the Team at Preffered Rate are great to work with. My clients found securing a Mortgage was easy and convenient and found Tim and team had answers for all their questions. He is my preferred lender and I highly recommend them! ... Read More

Apr 09, 2025

Hannah B

Tim and Kevin are a rockstar team! They are efficient, detail-oriented and easy to work with!

Apr 03, 2025

Josh T

Tim and his team were great to work with! Very professional and closed on time!

Mar 19, 2025

Melinda R

Tim and his team out wonderful to work with. They really care about their clients.

Mar 19, 2025

Rebecca T

Tim is always so helpful and very professional! I would highly recommend him and Preferred Rate!

Mar 18, 2025

Regie Jones (

Tim did an amazing job getting the buyer financed for his home. This transaction was a smooth process from start to finish!

Mar 11, 2025

Brian S

I had a great experience with Tim and this company. This was my first experience buying a home; I had heard a lot of nightmare stories, but Tim and his team made my experience very easy and pleasant. I highly recommend this company and will use them again if needed. Thank you, Tim, for making my first home possible. Special thanks to Mr. Cooper! ... Read More

Mar 10, 2025

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2026 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. www.apmortgage.com

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 0906702. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV