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All of our loan officers are ready to help you get started on your next mortgage or refinance today.

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Tuan Nguyen

Managing Partner
United Capital
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Zach Garrison

Loan Officer
United Capital

A Tri-Cities native and an ETSU graduate, Zach spent 6 years in Charlotte, North Carolina before returning home to family and friends in Northeast Tennessee. He brings a combined 13 years of finance and mortgage experience to this relationship-driven business. Zach values the personal aspect of helping people fulfill their dream of homeownership. He spends his time enjoying live music, outdoors and vibrant downtown Johnson City.

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Chris Dyer

Loan Officer
United Capital

Chris grew up in Kingsport Tennessee and attended college at ETSU in Johnson City.  After college, Chris spent time in Chattanooga and Raleigh for a few years before landing in Nashville for 9 years.  Chris sold his insurance business in 2011 and left Nashville, spending time in New Jersey and Las Vegas before finally returning home to east Tennessee 4 years ago.

Chris’ business background includes everything from delivering pizzas and managing a nightclub to owning an award winning Allstate Insurance agency.  Chris has worked in the mortgage industry for 8 years. From first time home buyers to seasoned home owners Chris enjoys the process of insuring his clients get the best mortgage option for their needs.

For fun, Chris enjoys live music, floating down the Nolichucky, craft beer, poker and spending time with friends.

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David Hamilton

Loan Officer
United Capital

David is married to Jennifer L. Hamilton, and they have one child. He received his BS in communication at East Tennessee State University in 1986. With over 22 years in the mortgage industry, David has assisted several banks and mortgage companies on both the retail and the wholesale sectors. He has been with United Capital Lending in Johnson City for the last 7 years. On January 17, 2017 he was installed as the new President of Tri-Cities Mortgage Bankers Assn.