The J Lending Team – Highlands Residential Mortgage

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    Mortgage Brokers

    Chattanooga, TN

    The J Lending Team is a mortgage branch of Highlands Residential Mortgage, founded in 2010 and led by Branch Manager Jessica Upshaw and Sr. Loan Officer Stacy Woods. They specialize in first-time homebuyer loans, investment properties, conventional loans, FHA loans, and VA loans, with a focus on transparency, education, and personalized customer support throughout the entire mortgage process. Their mission centers on guiding clients through home buying with expertise and care, whether it's a first purchase or refinancing.

    Best for: First-Time HomebuyersVeterans

    Ideal for: First-time homebuyers, VA loan applicants, FHA loan borrowers, investment property investors

    Service area: Chattanooga, Tennessee and surrounding areas

    What Sets The J Lending Team – Highlands Residential Mortgage Apart

    Specialized Loan Programs: Offers VA loans, FHA loans, conventional financing, and investment property mortgages tailored to different buyer profiles and financial situations.

    Education-Focused Approach: The team is committed to educating clients about various loan products and maintaining constant communication throughout the mortgage process.

    Experienced Leadership: Led by Jessica Upshaw (Branch Manager, NMLS#179250) and Stacy Woods (Sr. Loan Officer, NMLS#158878), both seasoned veterans in residential mortgages.

    First-Time Buyer ProgramsVA LoansFHA Loans
    Mortgage LenderFirst-Time BuyersVA LoansFHA LoansHome Loans
    Google Rating
    5.0 ★ (137 reviews)
    Phone
    (865) 712-0352

    Location

    Address: 6576 E Brainerd Rd, Chattanooga, TN 37421

    Phone: (865) 712-0352

    Website: thejlendingteam.com

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    Last updated April 14, 2026

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