Purchase Loans are traditional home loans. So, whether you’re a first-time homebuyer looking for the perfect starter home or you are looking to buy your next home, our mortgage loan officers are here to answer your questions.


Refinancing Loans are just what they sound like – taking advantage of lower interest rates in order to refinance your mortgage, and resulting in lower overall monthly payments.


A reverse mortgage is a loan available to seniors ages 62 and older, under a Federal program administered by HUD. Reverse Mortgages enable eligible homeowners to access a portion of their equity.

Home Mortgage Loans Made By Your Neighbors
Learn more about our direct – no middle men – mortgage and home loan lenders and what Peoples Home Equity can do for you.

What Makes Peoples Home Equity Different from Other Mortgage Lenders?

Peoples Home Equity has an uncommon control over the entire lending process. That means when you get a home loan, do refinancing, or even start a reverse mortgage on your home with Peoples Home Equity, you get the unique benefit of dealing with a direct mortgage and home loan lender. Peoples Home Equity, you never deal with middlemen or their fees.

Peoples Home Equity is located at the foothills of the Smoky Mountains in Knoxville, Tennessee. Peoples Home Equity houses all of its staff right here in Knoxville, Tennessee, including the origination, processing, underwriting and closing staff.


Loan Programs

We have an extensive product line for all types of client needs.

Find a Mortgage Adviser

Meet our team of talented mortgage advisers with a wide range of certifications and skills.

Rapid Closing

At People’s Home Equity/United Capital Lending, you deserve both speed and quality.

What Our Customers Are Saying About Us

“We were referred to the folks at United Capital Lending when we were telling some friends about it being time for us to buy a home. When we called it was nice because they are local and we could just drop by their office. Even though we heard that it was difficult to buy a home these days it was an easy process. I would recommend using this company if you want an easy step by step experience.”
Easy, Step-by-Step Experience (Jeff G.)
“I heard of United Capital Lending from church, my wife and I had both been laid off... We called United Capital to find out about the Reverse Mortgage and found out that we did not need to qualify with a certain credit score or income. After closing on this loan, we did not have any payments to make which was a blessing because our incomes were just not there. They helped us to save our home in retirement. If you want to talk to someone you can trust, call United Capital Lending.”
They Helped Us Save Our Home (Lauren K.)
“Joe Harris Did a Great Job! We had a tough close with unique issues. Joe was terrific to deal with, responsive and kept his sense of humor throughout. I would (and have) recommend him wholeheartedly.”
Terrific to Deal With & Responsive (Evans91)

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