What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
NC LIC# I-187392 | VA LIC# MLO-10212VA | DC LIC# MLO376030 | MD LIC# 26-21456
Mortgage Education Videos
zuser201801171220519 from Gainesville , VA via Zillow
Tim was there to help us every step of the way. He made sure that we were aware of every little detail and kept us up to date through the entire process. Fantastic service and all while taking care of a newborn!! For something that is usually very nerve-racking, Tim made us feel very relaxed. Highly recommended!
azwinnie2 from Dumfries , VA via Zillow
TIm not only communicated with us in a timely fashion but connected with us. He was determined to meet our desires and was there at every step. There was a time I felt discouraged and about to quit the buying process but he kept a positive attitude. In addition to being a new dad , he did all to respond to our emails and phone calls. Thanks Mr. Kelly , Lauren and your great team.
Sarah Boggs from Annandale , VA via Zillow
Working with Tim and his team was great! Tim was super knowledgeable and communicative. As a first time homebuyer, I had tons of questions, and Tim always was responsive and helpful. I'm sure he has tons of other clients, but he made is feel like his priority. I would absolutely recommend him to all my friends and family.
Salisbury , MD via Zillow
I have financed two homes with Tim and his team, looking at a refi as we speak. Top notch people that have the answers when you need them. Both closings went off flawlessly. I highly recommend them
Haymarket , VA via Zillow
We've worked with Tim when purchasing our first and second home. Yes, there are stresses that come with the process of home selling/buying but on the financing side, Tim Makes the process practically seamless. Tim strives to educate his customers to ensure you are fully prepared to know what to expect during the process. He is always available for questions and ensures you fully understand, which brings such an amazing level of confidence and ease throughout. I have referred Tim and will continue to do so, as we really enjoyed these life experiences and so much of it is because Tim knows what he is doing, he's smart, and he is a honest and reliable resource.
Virginia Beach , VA via Zillow
Tim and his team provided the best customer service and expert guidance I have ever seen in the industry. I have been a Realtor for 6 years and have been involved in countless transactions for all types of mortgage financing. Tim saved my own personal deal in just 7 days after my file was denied by another lenders underwriter. Him and his team work tirelessly restructuring my file and had it clear to close in less than a week. There were times where I would wake up to emails sent at midnight or 1AM with information regarding question I had that were not even asked yet. I cannot express how well this experience truly was in words!
West Springfield , VA via Zillow
Tim and his team (especially Lauren Gill) have been so wonderful to work with in purchasing our new home. They have been in constant communication and have quickly and professionally answered about a million questions my husband and I had during the process. Tim and Lauren were very patient and very knowledgeable on the mortgage process. I will definitely be recommending them to everyone looking for a mortgage lender.
Arlington , VA via Zillow
Would I recommend Tim and the Highlands Residential Mortgage team? Most definitely yes! I am a first time home buyer, which is both exciting and terrifying. The fear of being a first home buyer comes from recognizing the number of things that can go wrong and the overwhelming (and sometimes unsolicited) amount advice that I received from family members and friends. Working with Tim and the Highlands Residential Mortgage team made being a first time home buyer seem less daunting. They were always willing to answer questions and took the time to explain and make sure that I understood everything that was going on. Besides being great communicators, Tim and the Highlands Residential Mortgage team were dependable and prompt. When I first suggested to my realtor that I wanted to try and close within a 30day window, he was hesitant, encouraged me to talk to Tim about it, and started preparing me for the reality that they might not happen. When Tim told me that his team could have me at closing in 30days, he was confidence. His confidence was justified and proven when I closed on time with no hiccups.
Dulles , VA via Zillow
Tim and his team were extremely helpful during our first home buying process. Tim is very personal, with excellent communication skills,and most importantly someone you can count on! It took us whole year to find the perfect home and throughout the process he kept in touch and provided us with all the information and options we needed to make an informed decision. We really appreciated his quick response approach, and readiness to take action. Tim and his team made this whole process much easier than expected. We are extremely thankful to have worked with true and reliable professionals.
Herndon , VA via Zillow
I knew nothing about loans when I first wanted to purchase my house. Tim was always available and answered every question I had. I contacted him very late at times when I had concerns and/or questions. He always provided me with different scenarios for different loan amounts. Would definitely use him again for any other mortgages.
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.