Jamie Watkins
Mortgage Loan Officer
Experience
- Working in the financial industry since 2000
- Currently focused on providing great services and helping homebuyers make their dreams of buying a home come true, specializing in:
- Conventional, FHA, VA, THDA and USDA loans
- First-time homebuyer programs with grants
- Jumbo loans
- Refinancing
Education
- The Southeastern School of Banking, Tennessee Bankers Association
Professional Affiliations/Licenses
- Nationwide Mortgage Licensing System & Registry (NMLS) #188035
What clients are saying
JJavier S.Posted on 2026-06-09T17:27:20.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankJJAVIER S.Memphis - TNPosted on 2026-06-09T17:27:09.000Z5.0 ★ ★ ★ ★ ★forJamie WatkinsHaving our loan officer Jamie work with us to find solutions and guide us through hurdles as we got our loan approved. The communication and experienced knowledge made the process more understandable to us as first-time homebuyer.BBILLY G. C.HENDERSON - TNPosted on 2026-05-19T12:09:49.000Z5.0 ★ ★ ★ ★ ★forJamie WatkinsJamie was thorough and returned our communication promptly.eearl B.Posted on 2026-05-18T19:28:50.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankEEARL R. B.Byhalia - MSPosted on 2026-05-18T19:28:42.000Z5.0 ★ ★ ★ ★ ★forJamie WatkinsHer experiance and dedication made me super comfortable.NNICHOLAS D.Jackson - TNPosted on 2026-05-18T16:27:36.000Z5.0 ★ ★ ★ ★ ★forJamie WatkinsClear communication and answered any and all questions.CCHARLIE S. H.HENDERSON - TNPosted on 2026-04-01T18:46:31.000Z5.0 ★ ★ ★ ★ ★forJamie WatkinsPersonal communication with Jamie Watkins, she was always available to answer any and all of our questions and expertly guided us through the process.TTamara L.Savannah - TNPosted on 2026-03-10T12:21:18.000Z5.0 ★ ★ ★ ★ ★forJamie WatkinsJamie was a pleasure to work with . She kept the precess moving smoothly and answered all of our questions .JJoshua H.Savannah - TNPosted on 2026-03-09T12:50:21.000Z5.0 ★ ★ ★ ★ ★forJamie WatkinsExtremely happyttcreasyCrump - TNPosted on 2026-01-19T15:04:07.000Z4.0 ★ ★ ★ ★forJamie WatkinsMy involvment for this loan was co-signer for a family member so the decisions . I have worked in accounting and finance for years and I was surprised at the closing costs and fees charged for the loan. Maybe this is standard but it is certainly not what I would expect if I were the main borrower. Otherwise the process was fine and communications were acceptable.LLEE L.Michie - TNPosted on 2025-12-26T20:56:51.000Z4.0 ★ ★ ★ ★forJamie Watkins - First Horizon BankJamie was very helpful and easy to keep in touch with.RRODRIGO E. C.Memphis - TNPosted on 2025-09-04T14:15:04.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankThe entire process was professional, informativ, and very helpful overal. Thank you for the help in obtaining the property.TTONYA L. R.Lebanon - TNPosted on 2025-07-10T18:34:49.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankAll information was sent to me with follow up calls, in case of questions or concerns about the process or procedures. Questions were answered completely in a way that a person not in finance could understand. That eased anxious nerves, for a more pleasant experience.JJOSEPH K.LAKELAND - TNPosted on 2025-07-06T02:42:29.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankMrs. Jamie was a fantastic help throughout the process. She answered all my questions and was very patient with me during all of the loan phase.JJohn D. W.Adamsville - TNPosted on 2025-06-16T13:13:42.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankJamie was very helpful. My loan had a lot of moving parts and she did great helping us navigate through it.MMandy P.Posted on 2025-04-28T21:14:48.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankGreat experience! Great communication throughout the entire process.MMandy L. P.Jackson - TNPosted on 2025-04-28T21:14:08.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankGreat communication throughout the entire process . Very professional and helpful . Thank you!HHeather P.Alamo - TNPosted on 2025-04-14T12:39:31.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankJamie let me know everything that I needed and in plenty of time so I did not feel rushed or uninformed. Stayed in touch throughout the entire process.LLynnette F.Michie - TNPosted on 2025-02-26T10:48:51.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankVery nice and professional . Kept me informed throughout the processDDarren W.Jackson - TNPosted on 2024-12-31T16:56:16.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankJamie was excellent in her help and knowledge of everything that went on from beginning to end, I would definitely recommend her to anyone looking for a new loan.PPhillip L. C.Henderson - TNPosted on 2024-12-09T14:21:06.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankThis is the second time we have worked with Jamie about getting a mortgage loan. She is fantastic and I would recommend her to anyone!CCHERYL J. J.Henderson - TNPosted on 2024-11-11T17:21:50.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankJamie was outstanding, taking a personal interest in us through the entire process ... even coming to closing after her recent knee surgery.LLARRY W. J.Henderson - TNPosted on 2024-11-11T16:49:01.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankJamie is AWESOME! She is very patient, caring, and demonstrates true professionalism and customer service!EElisha S.Posted on 2024-10-18T12:53:50.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankEElisha A. L.Jackson - TNPosted on 2024-10-18T12:53:40.000Z5.0 ★ ★ ★ ★ ★forJamie Watkins - First Horizon BankEverything! Ms Jamie worked with me thru every step and explained everything that I didn't understand. She had patience with me when I struggled getting paperwork and helped me stay on track when I felt like giving up. She is amazing to work with and I appreciate everything she has done for my kids and I.
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- JJavier S.Posted on 2026-06-09T17:27:20.000Z5.0forJamie Watkins - First Horizon Bank
- JJAVIER S.Memphis - TNPosted on 2026-06-09T17:27:09.000Z5.0forJamie WatkinsHaving our loan officer Jamie work with us to find solutions and guide us through hurdles as we got our loan approved. The communication and experienced knowledge made the process more understandable to us as first-time homebuyer.
- BBILLY G. C.HENDERSON - TNPosted on 2026-05-19T12:09:49.000Z5.0forJamie WatkinsJamie was thorough and returned our communication promptly.
- eearl B.Posted on 2026-05-18T19:28:50.000Z5.0forJamie Watkins - First Horizon Bank
- EEARL R. B.Byhalia - MSPosted on 2026-05-18T19:28:42.000Z5.0forJamie WatkinsHer experiance and dedication made me super comfortable.
- NNICHOLAS D.Jackson - TNPosted on 2026-05-18T16:27:36.000Z5.0forJamie WatkinsClear communication and answered any and all questions.
- CCHARLIE S. H.HENDERSON - TNPosted on 2026-04-01T18:46:31.000Z5.0forJamie WatkinsPersonal communication with Jamie Watkins, she was always available to answer any and all of our questions and expertly guided us through the process.
- TTamara L.Savannah - TNPosted on 2026-03-10T12:21:18.000Z5.0forJamie WatkinsJamie was a pleasure to work with . She kept the precess moving smoothly and answered all of our questions .
- JJoshua H.Savannah - TNPosted on 2026-03-09T12:50:21.000Z5.0forJamie WatkinsExtremely happy
- ttcreasyCrump - TNPosted on 2026-01-19T15:04:07.000Z4.0forJamie WatkinsMy involvment for this loan was co-signer for a family member so the decisions . I have worked in accounting and finance for years and I was surprised at the closing costs and fees charged for the loan. Maybe this is standard but it is certainly not what I would expect if I were the main borrower. Otherwise the process was fine and communications were acceptable.
- LLEE L.Michie - TNPosted on 2025-12-26T20:56:51.000Z4.0forJamie Watkins - First Horizon BankJamie was very helpful and easy to keep in touch with.
- RRODRIGO E. C.Memphis - TNPosted on 2025-09-04T14:15:04.000Z5.0forJamie Watkins - First Horizon BankThe entire process was professional, informativ, and very helpful overal. Thank you for the help in obtaining the property.
- TTONYA L. R.Lebanon - TNPosted on 2025-07-10T18:34:49.000Z5.0forJamie Watkins - First Horizon BankAll information was sent to me with follow up calls, in case of questions or concerns about the process or procedures. Questions were answered completely in a way that a person not in finance could understand. That eased anxious nerves, for a more pleasant experience.
- JJOSEPH K.LAKELAND - TNPosted on 2025-07-06T02:42:29.000Z5.0forJamie Watkins - First Horizon BankMrs. Jamie was a fantastic help throughout the process. She answered all my questions and was very patient with me during all of the loan phase.
- JJohn D. W.Adamsville - TNPosted on 2025-06-16T13:13:42.000Z5.0forJamie Watkins - First Horizon BankJamie was very helpful. My loan had a lot of moving parts and she did great helping us navigate through it.
- MMandy P.Posted on 2025-04-28T21:14:48.000Z5.0forJamie Watkins - First Horizon BankGreat experience! Great communication throughout the entire process.
- MMandy L. P.Jackson - TNPosted on 2025-04-28T21:14:08.000Z5.0forJamie Watkins - First Horizon BankGreat communication throughout the entire process . Very professional and helpful . Thank you!
- HHeather P.Alamo - TNPosted on 2025-04-14T12:39:31.000Z5.0forJamie Watkins - First Horizon BankJamie let me know everything that I needed and in plenty of time so I did not feel rushed or uninformed. Stayed in touch throughout the entire process.
- LLynnette F.Michie - TNPosted on 2025-02-26T10:48:51.000Z5.0forJamie Watkins - First Horizon BankVery nice and professional . Kept me informed throughout the process
- DDarren W.Jackson - TNPosted on 2024-12-31T16:56:16.000Z5.0forJamie Watkins - First Horizon BankJamie was excellent in her help and knowledge of everything that went on from beginning to end, I would definitely recommend her to anyone looking for a new loan.
- PPhillip L. C.Henderson - TNPosted on 2024-12-09T14:21:06.000Z5.0forJamie Watkins - First Horizon BankThis is the second time we have worked with Jamie about getting a mortgage loan. She is fantastic and I would recommend her to anyone!
- CCHERYL J. J.Henderson - TNPosted on 2024-11-11T17:21:50.000Z5.0forJamie Watkins - First Horizon BankJamie was outstanding, taking a personal interest in us through the entire process ... even coming to closing after her recent knee surgery.
- LLARRY W. J.Henderson - TNPosted on 2024-11-11T16:49:01.000Z5.0forJamie Watkins - First Horizon BankJamie is AWESOME! She is very patient, caring, and demonstrates true professionalism and customer service!
- EElisha S.Posted on 2024-10-18T12:53:50.000Z5.0forJamie Watkins - First Horizon Bank
- EElisha A. L.Jackson - TNPosted on 2024-10-18T12:53:40.000Z5.0forJamie Watkins - First Horizon BankEverything! Ms Jamie worked with me thru every step and explained everything that I didn't understand. She had patience with me when I struggled getting paperwork and helped me stay on track when I felt like giving up. She is amazing to work with and I appreciate everything she has done for my kids and I.