Knoxville Home Mortgage Loans

About Marissa & Margo

Welcome to Peoples Home Equity United Capital Lending

Whether you’re looking into purchasing or refinancing your home, we’ll impress you with our excellent customized loan programs.


Hello! We are Margo Krogulski & Marissa French. We are licensed mortgage loan originators at Peoples Home Equity United Capital Lending in Knoxville, Tennessee. We have been in the mortgage business and with Peoples Home Equity United Capital Lending since 2001. We specialize in purchase loans for individuals who are re-locating, first-time home buyers, investors, and especially growing families.

Our #1 goal is to educate all of our clients, which in turn, helps them make informed mortgage decisions now and in the future. We love to meet with all of our clients personally to find a mortgage loan that fits perfectly with their financial goals. With all this, we personally guarantee great service!

We look forward to working with you and would love to hear from you soon!

Apply Now

Marissa and Margo are pleased to offer you the simplicity in your home buying purchase. Fill out our safe, confidential, and encrypted form to get delivered directly to them for review. Expect a call back soon, we take all applications seriously!



Products for loan:

FHA Programs 96.5%
Construction to Perm
FHA $100
Investment Property
VA Loans 100% Purchase
Rural Development 100% Purchase
Fixed / Arms Loan programs
First Time Home Buyer Programs

Products for Refinance:
FHA Financing up to 97% Loan to Value
Conventional Lending up to 90% Loan to Value
Investment Property Financing up to 80% Loan to Value
Rural Development to Rural Development Lending
VA Loans 100% Financing & VA 100% 'cash-out' options
FHA streamlines

Click on the thumbnails below to learn about the team!


A Realtor's success is tied directly to the people she works with. Marissa and Margo are a dream come true! Helping people is their main focus and they've built their reputation by putting their clients first. Several of my clients who never thought they would qualify for a loan, did after talking to Marissa and Margo. Because of their knowledge of the mortgage industry, ability to resolve credit issues and step by step guidance, these clients are now homeowners. Realtor's will appreciate their attention to detail and constant communication during the loan process. Marissa, Margo and their staff have made me a believer and I've made them my primary mortgage company!

Sheri S.

What a wonderful experience we had with this company. From beginning to end these wonderful ladies took awesome care of us. They walked us through every aspect of the loan closing with patience and guidance. Great job ~ Marissa, Margo, Darci, and Hillary and all those behind the scenes. We will continue to sing your praises and recommend you to the highest!

JoAnne B.


Thank you in abundance for assisting me through the refinance process! There are some challenges and fears that I had really not understanding all the components that were required to reduce the interest rates I had on my mortgage. You always see the advertised rates but really understanding how you achieve those are a different story! Marissa, Margo, Dan, Hillary, Darcy and Kristen have put together amazing team efforts that not only guided my with absolute ease but actually made it a fun process! Thank you to the highest level of degree and will recommend many more to come your way!

Scott F.


Great Loan Experience! I can't thank them enough. They really went out of their way to make sure I got approval with a great interest rate. They actually went through my credit report and pointed me in the right direction to have some older stuff removed. The whole process went smoothly and quickly. I highly recommend them.

Loretta D.


I can't thank Darcy & Margo enough for the professional service. They made it so easy and convenient for me, they took care of everything, responded to my emails in a timely fashion and kept me up to date as my loan was being processed. I highly recommend letting Darcy & Margo handle your mortgage needs. They were referred to me from a friend and I'll definitely refer them to my friends! Plus, they are just down to earth, fun, professional people! Thanks again ladies!!!


Trish P.

If you are in the need of a Home Loan or Looking to Buy a home your first step should be with Marissa French and Margo Krogulski at Peoples Home Equity United Capital Lending. They are top notch and will work with you and help you get to where you can buy your dream home. These two Ladies are a God Send to me. I cherish both of them and if it hadn't been for them I would have never been able to get my place. So I thank you both from the bottom of my heart.

Stephen H.


Team Margo and Marissa are the perfect match for me and my customers. First time home buyers need someone who can speak in an easy to understand language and feel like they understand the daunting paperwork they will have to complete. Every client I have sent to Peoples Home Equity United Capital Lending and team Margo/Marissa said they felt like they had someone on their side who gave them the the best deal. Margo and Marissa are experts on foreclosure loans, first time home buyer loans, refinances and everything in between. No matter what house and budget, I feel confident every time. When Margo and Marissa say "you can buy a house," I can count on it!!

Erik J.

Simple process got me in and out of their office smoothly. My refinance was a piece of cake with these two at the helm.

Paul S.


Unbelievable process! I had a shaky credit history, was self employed, and got turned down by three mortgage companies before I was referred to Marissa and Margo. Same day appointment got me pre-approved and we walked through the rest of the process together. I can not get over how professional and sharp these two are! Such a reassuring feeling to deal with pros.

Ryan W.



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Peoples Home Equity


8913 Linksvue Drive,
Knoxville, TN 37922

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