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
FL LIC# LO51229 | AL LIC# 69711 | CA LIC# CA-DBO296344 | GA LIC# 60456 | MD LIC# 18844 | IL LIC# 031.0050712 | NV LIC# 61768 | SC LIC# MLO - 296344 | TN LIC# 296344 | TX | VA LIC# MLO-55154VA
Mortgage Education Videos
Meansville , GA via Zillow
I have never bought a home before and was not sure what to expect but Mr. Smiddy helped me so much. He was an awesome lender and highly recommend to everyone
Lawrenceville , GA via Zillow
What can I say... Tim made this so easy. I had been putting off trying to buy a home for years because I didn't think I would qualify and I had heard so many horror stories about buying. Tim walked us through from beginning to end and patiently assisted us when we need help. I highly recommend anyone to contact Tim if you are at all interested in buying a home... Jeff Ross
Alton , VA via Zillow
The expert attendance to my wife and I were met with expectations above and beyond any loan processing I've ever encountered. Tim was compassionate yet firm in his ability to be truthful and respectful. A pleasure to do business with and most definitely and assess to his company. Thanks Tim!!!!
Cornelia , GA via Zillow
We had had for are lender exceptional on point excellent to work with ,made my process of buying a home easy. I appreciate everthing he has done for us
Brockton , MA via Zillow
We have never experienced a more professional, courteous and efficient mortgage loan process. Tim was great to work with. More like a friend. He stood by us, even with an early snag on our end, Tim was able to get the loan closed. Great experience. I would highly recommend Tim. Joanne and Shelley
Cornelia , GA via Zillow
Lender did a excellent job keeping us updated and handling document process in a timely manner so we could close on time. I would recommend this lender. Thank you Tim Smitty! Tammy@ Purcell Realty
Opelika , AL via Zillow
Tim was always quick to respond. Everything happened just as he explained it would. I felt like I was a top priority. He is very knowledgeable and made things less difficult and stressful. Tim was a pleasure to work with.
Grayson , GA via Zillow
I knew I wanted to re-finance my 30 yr. ARM due to concerns about the interest rate and where I might be in one or two years. Anyway, I started down that road through my current lender, secondly through an online resource, and lastly, based on a recommendation by my finance partner, with Tim at Congressional Bank. After speaking with Tim, I knew there was a immediate difference, there was instant recognition and confidence that Tim was asking the right questions and really getting to know where I was financially. He took that information and gave me some options to consider and explained everything so that is was easily understandable and relate-able which gave me confidence and the feeling I was making informed, worthwhile decisions for me and my family. If I had to go through this again, I would definitely reach out to Tim again.
Pembroke Pines , FL via Zillow
very professional and knew what he was doing the only one that could help me he understand exactly what I need it and advice me with the best program available that for me pay all my bills and now I can live with out any worries thank to Tim Smiddy thank you Tim you are the best . jp
North Port , FL via Zillow
It was all great! Every step of the way was explained and couldn't have gone any smoother. Tim's experience showed during our many conversations. He helped take the stress completely out of the mortgage process.
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.