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Movement Mortgage announced on October 13, 2026, that mortgage professional Brenna Carles and her team have joined the company. The group specializes in financing short-term rentals, long-term rentals and vacation homes in the Smoky Mountains and other tourism-driven markets, with experience in the non-qualified mortgage (Non-QM) broker channel.
Who is Brenna Carles?
Brenna Carles is a mortgage professional whose career has focused on rental-property financing and borrowers purchasing in vacation markets. She founded The Mortgage Shop in 2021, building a team around financing needs that can differ from those of a conventional owner-occupied homebuyer.
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Her team’s experience includes short-term rental properties, long-term rental homes and vacation residences, particularly in the Smoky Mountains. These properties can require borrowers and loan officers to evaluate factors such as intended use, rental income and the local tourism economy, although Movement’s announcement does not publish specific underwriting rules or eligibility standards.
What the move to Movement Mortgage means
Carles and her colleagues will continue serving borrowers and real-estate investors in the Smoky Mountains after joining Movement. They are also expected to support activity in other vacation and tourism markets across the country.
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“Our team brings extensive experience in the Non-QM broker channel and in financing properties in tourism-driven markets,” Carles said. “We’re excited to bring that knowledge to Movement and help strengthen the support available to loan officers and their clients.”
For Movement, the addition brings specialized personnel into a lender operating nationally. Barb Courtney, Movement’s Tennessee market leader, said Carles’s team understands “the properties, borrowers and communities that make tourism-driven markets distinct.” Courtney added that the team’s experience should strengthen support for loan officers and help Movement serve more families and real-estate investors in these markets.
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What Non-QM rental-property financing is
Non-QM refers to mortgage loans that do not meet the federal Qualified Mortgage definition. In practice, the category can be used for borrowers or properties whose income documentation, property use or financial profile does not fit a standard qualified-mortgage pathway. Non-QM is not a single loan product: terms, documentation, pricing, reserves, property rules and approval criteria vary by lender and program.
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Clear out junk files and repair common Windows errorsFree Scan →Scan for outdated or missing drivers - takes under a minuteDriver Scan →Repair Windows errors before they cause bigger problemsFix Now →The announcement identifies Carles’s experience in the Non-QM broker channel, but it does not state which Non-QM programs Movement will offer through the team. It also does not provide interest rates, loan limits, minimum credit scores, down-payment requirements, approval odds or rental-income calculations. Borrowers should request those details for their specific property and circumstances rather than assume that every vacation or rental home qualifies.
Why tourism-market experience can matter
Tourism-driven markets often contain a mix of owner-occupied homes, second residences, long-term rentals and short-term rentals. A property’s classification and intended use can affect the documentation a lender requests and the way repayment capacity is evaluated. Local knowledge may also help a loan officer discuss issues that are especially relevant in resort areas, such as seasonal demand and the distinction between a vacation home and an investment property.
That experience does not guarantee approval or better terms. It can, however, give borrowers a more focused starting point when they need financing for a property that does not resemble a standard primary residence.
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Where the team will serve clients
Smoky Mountains
The team will continue working in the Smoky Mountains, the market most closely associated with its rental and vacation-home experience. The announcement does not identify particular counties, cities or eligible property types within the region.
Other tourism markets
Movement said the team will support work in other vacation and tourism markets across the country. This indicates a broader intended reach, but the announcement does not provide a list of markets, state-specific licensing details or a launch timetable. Geographic availability should therefore be confirmed with a Movement loan officer before applying.
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Movement Mortgage’s stated scale
Movement describes the incoming team as joining a company with the following figures for 2026:
| Measure | Figure | Qualification |
|---|---|---|
| Teammates | More than 3,500 | Movement’s 2026 company figure; operations span all 49 states. |
| Residential mortgages funded annually | More than $20 billion | Movement’s stated annual funding volume for 2026. |
| Movement Foundation contributions | Nearly $400 million | Movement says this amount has been contributed since 2012. |
These are company-reported scale figures, not a forecast of the Carles team’s production or a promise about an individual borrower’s experience.
What borrowers should ask before applying
- How will the property be classified? Confirm whether the intended use is a primary residence, second home, long-term rental or short-term rental.
- Which documentation is required? Ask how the lender will verify personal income, existing rental income, projected income and assets.
- Is the property in an eligible market? Verify availability for the specific Smoky Mountains location or another tourism market.
- Which Non-QM terms apply? Request the interest rate, fees, reserves, down payment, loan limit and prepayment provisions in writing.
- What alternatives exist? Compare any Non-QM option with the qualified-mortgage or conventional financing for which you may be eligible.
Movement’s announcement establishes the team’s arrival, specialization and intended geographic focus. It does not establish product terms or approval criteria, so those questions must be answered during an individual loan consultation.
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