Knoxville Staff




jimcollinsJim Collins currently serves as President of First Southern Mortgage. After graduating from the University of Tennessee, Jim joined his father’s appraisal practice (Scott Collins Company) from 1980 to June 1996 and obtained the MAI designation in 1987. Jim specialized in commercial real estate appraisals throughout the Southeast US. Clients include private developers, real estate trusts, pension funds, commercial banks, life companies, governmental agencies and individual investors.

Jim joined First Southern Mortgage Corp of Tennessee in July 1996 as a mortgage producer. Since joining First Southern, Jim has personally placed more than $1 billion in permanent loans with life insurance companies, Wall Street conduits, pension funds, banks and government agencies. With over 30 years in commercial real estate, brings extensive valuation skills for loan underwriting, asset valuation and portfolio review. Jim is a partner and President of First Southern. Email Jim


AdamAaron Ball joined First Southern Mortgage as a mortgage analyst in early 2016 and has assisted in over $100 million of loan closings. In 2018 he was promoted to Junior Capital Advisor and continues to be involved in all facets of loan production. Aaron is currently seeking his CCIM designation to continue furthering his knowledge of commercial real estate. Aaron is originally from Metro Detroit, Michigan where he interned at Berkadia Commercial Mortgage as an underwriting analyst. Aaron also attended Concordia University in Ann Arbor, MI where he earned his Bachelor of Business Administration in finance and accounting and played 4 years of college baseball. Email Aaron


Asset Administration

Kim-SpragueKim A. Sprague joined First Southern Mortgage in 2014 as Controller and effective 2017 also serves as Director of Servicing. In her role with the company, Kim is responsible for corporate accounting, regulatory and financial report and human resources as well as all aspects of servicing for First Southern’s correspondent lenders. She oversees a servicing portfolio of $1.2 billion while maintaining MBA standard criteria for all of servicing. Those criteria include financial reviews and monitoring for current assets, servicing requests, overseeing special escrow accounts, managing tax and insurance escrow funds, loan audits, and lender reporting. Kim has spent all of her career in accounting and finance. She worked for 8 years as Director of Finance for Cherokee Country Club, assisting management in all accounting, information technology and human resource requirements. Prior to that, she was the Controller of Bush Brothers & Company. Kim is a Certified Public Accountant Email Kim


janetthomasJanet Thomas serves as a Servicing Specialist for First Southern Mortgage. Janet has been with First Southern since 2004. Her primary responsibilities are overseeing tax and insurance related matters for the servicing portfolio. She also coordinates and controls physical property inspections for all loans in First Southern’s portfolio. Email Janet


Chrissy Fowler joined First Southern Mortgage in 2017 as a Servicing Specialist. Chrissy assists with several tasks for First Southern’s servicing department including cash receipts and remittances, monthly reporting for lenders, and bank account reconciliations. She is a Paralegal with 15 years of banking experience. Chrissy worked at First Tennessee Bank for 12 years in the consumer loan collections department managing recoveries; then worked with BB&T for 3 years servicing commercial loans. Email Chrissy


Jessica Carroll joined First Southern Mortgage in 2018 as a Servicing Specialist. Jessica assists with a wide array of tasks for First Southern’s servicing department including escrow setup/reviews, escrowed tax and insurance payments, amortization schedules, loan releases, and UCC continuations/terminations. Jessica moved to Knoxville from her home town in North Carolina to attend the University of Tennessee where she graduated with an Economics degree. After graduating from UT, she worked at Clayton Vanderbilt where she was able to learn about all facets of mortgage servicing as well as strategic sourcing and procurement for IT. Email Jessica