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Tim Higgins

Maryland - Rockville

800 King Farm Boulevard

Rockville, MD 20850


About Tim

Tim joined Embrace Home Loans in 2009 and currently serves as Regional Sales Executive for our Maryland, New Jersey, and Pennsylvania branches. Supporting his regional team of branch managers, Tim helps them build their own teams and serve their local real estate communities. He’s also always keeping an eye out for new talent in his region and looking for ways to advance Embrace’s footprint throughout Greater Washington DC, Greater Baltimore, MD, and Greater Philadelphia, PA.

With more than two decades of mortgage banking experience, Tim has built his reputation on serving his clients and his community at the highest level. Prior to joining Embrace, Tim worked at Mason Dixon Funding for over 10 years as a Senior Loan Officer and Branch Manager. He’s an active member of the Maryland Mortgage Bankers and Brokers Association (MMBBA), Home Builders Association of Maryland, and the Mortgage Bankers Association (MBA). Tim also has an extensive history in professional, business, and life coaching. He’s currently certified by the International Coaching Federation (ICF) as an Associate Certified Business Coach.

Tim holds a B.A. in Sociology from the University of Maryland. He grew up in Gaithersburg, MD and he currently lives in Fulton, MD with his wife Emily, and daughter Maya. In his spare time, he loves running, biking, and swimming — so much so that he’s spent the last few years participating in local multi-sport events, including over 20 triathlons and one Half IRONMAN. He has a small place on the water in Ocean City, MD, so his perfect day would consist of a nice run in the morning, spending the day on the beach with his family, followed by a dinner at one of their favorite local restaurants.

“In this digital age, information is everywhere and homebuyers have many lenders to choose from for their mortgage needs. Our highly skilled and dedicated sales professionals, paired with our amazing backroom of support partners, allows Embrace to provide a mortgage experience unlike any other. Embrace is a company that cares — about each other, our customers, and our communities. This is what separates us from the competition and produces raving fans time and time again!”

Awards & Recognition

Regional Manager of the Year: 2016, 2018

Regional Manager in Volume: 2014, 2015, 2016

Branch Manager in Volume: 2009, 2010, 2011, 2012, 2013

Top 10 Loan Officer in Volume: 2009, 2010, 2011, 2012, 2013

embrace home loans Presidents club 2018, 2016, 2014, 2013, 2012, 2011, 2010, 2009

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5.0

    5.0 Survey completed on March 24, 2021

    Review By Ross D. for Tim Higgins

    Completed transaction in March 2021

    Devin and Meghan were fantastic throughout the entire refinance process. I could not be happier and will 100% come back when rates drop again!

  • 5.0

    5.0 Survey completed on June 15, 2020

    Review By Sharmila N. for Tim Higgins

    Completed transaction in June 2020

    This is my second transaction with Tim Higgins, and he is just as knowledgeable as ever. I swear, he and his team will walk on water for their clients in order to get them the best possible outcome. I had the pleasure of working with Devin Reinhold and Meghan Murphy for this transaction and in addition to being extremely responsive and detail-oriented, they both were just a complete pleasure. Will definitely recommend Tim and his team to everyone and anyone I know.

  • 4.0

    4.0 Survey completed on May 28, 2020

    Review By Kristin H. for Tim Higgins

    Completed transaction in May 2020

    We enjoyed working with this great team!

  • 4.0

    4.0 Survey completed on May 06, 2020

    Review By Justin T. for Tim Higgins

    Completed transaction in April 2020

    It went well

  • 5.0

    5.0 Survey completed on April 08, 2020

    Review By Ross D. for Tim Higgins

    Completed transaction in April 2020

    Devin Reinhold and Jen Kain were absolutely fantastic. Tim is lucky to have them on his team. They are both extremely knowledgeable, diligent, responsive, and all around great to work with. I will definitely continue to work with Tim and his team for any mortgage needs and certainly recommend them to all my friends and family!

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Home Purchases Dip, as Mortgage Rates and Prices Rise

Homebuyers took a break last week, as rates rose and prices continued their upward climb. According to the Mortgage Bankers Association, applications to purchase a home were down 3% from a week ago, marking the second consecutive week of declines. This happened as the average 30-year mortgage rate rose — from 3.17% to 3.18% —…

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