Washington State Mortgage Broker
Got a Mortgage Question?
Tim Knows Mortgages.
Whether you're buying a home, refinancing, investing in real estate, self-employed, or dealing with a more complicated loan, Tim can help you find financing that fits your situation.
What Tim Offers
Loan Programs for Every Situation
From first-time buyers to seasoned investors, there's a loan that fits. Here's what Tim works with.
DSCR Investor Loans
Qualify based on the property's rental income — not your personal income. Built for real estate investors who want to grow their portfolio without the W-2 paperwork.
Self-Employed / Bank Statement Loans
If your tax returns don't tell the whole story, bank statement loans let your actual cash flow do the talking. Great for business owners and freelancers.
Conventional Loans
The workhorse of home financing. Competitive rates, flexible terms, and no upfront mortgage insurance with 20% down.
FHA Loans
Lower down payment requirements and more flexible credit guidelines. A solid path to homeownership for first-time buyers.
Down Payment Assistance
Washington State has programs that can help cover your down payment. Tim knows which ones you actually qualify for.
VA Loans
Zero down payment, no private mortgage insurance, and competitive rates — a benefit earned by those who served.
Jumbo Loans
Financing for higher-priced properties that exceed conventional loan limits. Competitive terms for well-qualified buyers.
Construction Loans
Building from the ground up? Tim can structure financing that covers construction and converts to a permanent mortgage when you're done.
Why Tim Knows Mortgages
Not Sure Which Mortgage Fits?
That's Tim's Job.
Most lenders offer you what's easiest for them. Tim figures out what actually works for you.
27 Years of Experience
Nearly three decades in the mortgage business means Tim has seen complicated situations — and knows how to navigate them.
More Loan Options
As an independent broker, Tim isn't limited to one lender's products. More options means a better fit for your situation.
Straight Answers
No runaround, no jargon. Tim tells you what you qualify for, what it'll cost, and what to expect — clearly.
Creative Financing Solutions
When the standard path doesn't work, Tim finds another one. Self-employed, investor, unusual property — he's done it.
Personal Service
You work with Tim directly — not a call center, not a loan processor. Tim answers his phone.
About Tim
About Tim
With 27 years in the mortgage business, Tim has the experience to help Washington State homebuyers, homeowners, and real estate investors navigate even the most challenging financing situations.
As an independent mortgage broker, Tim isn't limited to one lender's products, rates, or underwriting guidelines. He can shop among multiple lenders to find the combination of loan program, pricing, and flexibility that best fits each client's individual situation.
Get Started
Ready to Talk Mortgages?
No pressure, no obligation. Just a straightforward conversation about your situation and what might work.
Buying. Refinancing. Investing. Tim Knows Mortgages.