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!
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!
Marissa is not a native of Knoxville, TN. Most of her life she lived in South Carolina. Life quickly changed after school moved her to Memphis, TN and finally landing in Knoxville where she started her family and career in the mortgage industry.
She is the mother of two absolutely amazing girls! Katelyn and Kamryn
Margo & Marissa have been business partners for more than 13 years & have always worked for United Capital Lending. They became branch managers in January 2014 when they opened their own office at the Shops at Gettysvue in West Knoxville.
Hello, I’m Margo Krogulski. I am a fully licensed mortgage loan originator in Tennessee and the co-branch manager for this organization. I am originally from Chattanooga and moved to Knoxville in 1998 to attend the University of Tennessee. I am married to Dan and have a beautiful daughter, Savannah. I enjoy weekends on the lake, golfing, crafting and watching football. I love helping clients achieve the realization of homeownership and turning their dream into a reality of a home for their families. I am always here to help you!
Hi. I am Dan. I was born to eat chicken wings and play video games but life has taken me down a different path. After my plus-sized hand model career ended I entered the mortgage industry. Although I enjoy my day job, sometimes I just want to give it all up and become a handsome billionaire. When I am not working, you can usually find me at home with my beautiful wife and our wonderful daughter. I am a bacon activist and a part-time ninja in training. I’ve always wanted to spin around in a chair and say: "I’ve been expecting you..." My one goal is to win a lifetime achievement award…twice.
Hilary is originally from Ontario Canada, but grew up mostly in South Florida. She graduated from The University of Tennessee at Knoxville with a Bachelors of Art in Theatre. In her spare time, she enjoys horseback riding, taking in theatre & comedy shows, and watching sports, namely hockey and baseball. She is a huge animal lover, and owns a horse, ‘Devant’, who lives with a friend in North Carolina.
Darcy was born and raised in New Philadelphia, Ohio. She has spent time in Los Alamos, New Mexico, Merritt Island, Florida, and now loves life in Knoxville Tennessee. Darcy is currently working on an Applied Science degree with a concentration in Computer and Business Technology. She recently received her NMLS Mortgage Origination License for the state of Tennessee.
She has two children ages 13 and 15, and has been married for 23 years. She loves the outdoor activities provided by East Tennessee like Jeeping, hiking, camping, fishing, and exploring new areas with her family.
Justin Kennedy has a background in the real estate industry and is am excited about helping others finance their dream home or to use their equity to refinancing an existing home. If you are ready to start looking with the power of a Pre-Approval Letter or if you simply want to know what you would qualify for then call Justin anytime! He will offer you his full attention and dedication.
How can we describe Ben Miller? If you combine Matthew McConaughey, Robert Downey Jr, Bradley Cooper, Will Smith, and Derek Jeter together, Ben has absolutely nothing in common with them.
Ben comes to us from the Midwest. Growing up around farms in Illinois and Iowa, he learned the value of hard work and being true to your word. He attended a "regular" school for 3 years and then was home schooled through graduation. He is the youngest of 4 children and has a son, Josiah, currently in middle school. He moved to Tennessee in 2000 and has become a Tennessean. He loves University of Tennessee athletics, especially UT football. Go Vols! Some of the hobbies he enjoys are golfing, boating, attending sporting events, and pretty much anything that sounds fun. He is active in his church and teaches Sunday School there. Ben has experience in management and insurance, as well as a myriad of other skills. He has many different certifications and accolades for sales, management, public speaking, and real estate related industries. His goal is "Helping you get home". He works hard to make the loan process quick and smooth for his clients.
Here is what some of his clients have said about working with Ben;
"This has still been a smoother process than my last home purchase by a lot, which is surprising because we are self-employed. Thanks for everything!"
"Thank you Ben for helping us close on our house so fast! This household loves you!!"
Tracey was born in Colorado but raised in Alabama. She graduated from the University of Alabama at Birmingham with a degree in Education. She moved from Charlotte, North Carolina to Knoxville eleven years ago.
She has two daughters. Elizabeth, her oldest, is a graduate from the Emory University and lives in Atlanta. Caroline, her youngest, is a junior at the University of Alabama in Tuscaloosa. She enjoys boating on the weekends with her husband, Rich. When she has time she likes to travel, write and read.
I have lived in Knoxville for most of my life. I started in the mortgage industry in 2004 after raising my children. I love riding motorcycle with my husband. We have enjoyed many adventures including riding to Mt. Rushmore, Sturgis and seeing the sun rise over the mountains.
My husband and I have been married for 2 years and blended our families. Together we have five grandchildren all boys except one. Love traveling to new places, if I could I would be a charter member of the vacation of the month club.
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!
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!
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!
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.
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!!!
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.
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!!
Simple process got me in and out of their office smoothly. My refinance was a piece of cake with these two at the helm.
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.