Thank you for considering me to guide you through your home buying journey! At Certainty, we pride ourselves on providing the best customer service and exceeding your expectations of the mortgage process at every turn. From a complimentary pre-qualification through an on-time closing, I will be here to ensure confidence every step of the way.



Helping people realize the dream of homeownership is my passion. My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone's story is different, so no one loan will meet everyone's needs. My job is to find that perfect fit.



Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home.

VP of Mortgage Lending

Jennifer Zavat is your Knoxville local lender. As a loan officer at Certainty Home Lending, Jennifer is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jennifer at (770) 863-7253 for more information!

Jennifer Zavat at Certainty Home Lending (NMLS #1554442)

Jake Bowser is a trusted mortgage professional serving homebuyers and homeowners throughout Knoxville and the greater East Tennessee real estate market. With more than a decade of experience in mortgage lending, Jake focuses on building long-term relationships grounded in education, transparency, and thoughtful guidance.


Jake believes a mortgage should never feel transactional. He takes the time to help clients understand their options so they can make confident decisions, whether they are purchasing a first home, refinancing, or planning for future real estate goals. His approach is centered on providing clear answers, honest advice, and mortgage strategies that make sense not just today, but years down the road.


Known for his steady communication and sound judgment, Jake is a resource clients return to long after closing. He measures success by the trust he builds over time and holds himself to a simple standard: offering honest advice paired with loan solutions that fit each client's goals.


If you are buying or refinancing in East Tennessee or anywhere across the Southeast region, Jake Bowser is committed to helping you navigate the mortgage process with clarity, confidence, and care.


*Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*

Jake Bowser is your Knoxville local lender. As a loan officer at Certainty Home Lending, Jake is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jake at (865) 358-5266 for more information!

Jake Bowser at Certainty Home Lending (NMLS #1742121)

Knoxville

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2 Loan Officers Knoxville, TN