Tim Higgins

Maryland - Rockville


800 King Farm Boulevard

Rockville, MD 20850


About Tim

Tim joined Embrace Home Loans in December of 2009 and currently serves as a Regional Manager for our Maryland branches. With over 17 years of mortgage banking experience as a Loan Originator and Branch Manager, Tim 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. Tim has been a Maryland resident for over 43 years. He graduated from the University of Maryland with a degree in Sociology in 1995. He currently lives in Maple Lawn, MD with his wife Emily, and daughter Maya.

“I consider myself very fortunate to have served over 2,000 clients during the last 17 years of my career as a mortgage professional. The biggest reason that I have been rated among the top producing loan professionals in my market is that I believe in giving customers top notch service and advice. The secret to my success is really no secret at all; I believe in hard work, complete honesty, and a desire to do things the right way. When it comes to mortgage advice, my customers know they can count on me to be responsive to their needs."

Our company is growing, and while we are excited about our future, what really sets us apart from our competition is our core values and our commitment to making a difference. We value our employees, our customers, and our communities, and we strive to make positive change in all three. We believe in coaching, mentoring, and growing our people both professional and personally, and our message resonates within our office every day; we are a caring and connected team, and our customers can feel it! Over the last 5 years we have donated over $8.5 million to local charities, and that’s something we are very proud of.

 2018, 2016, 2014, 2013, 2012, 2011, 2010, 2009

98% Customer Satisfaction Rating
Better Business Bureau logo
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



3.5 Survey completed on August 18, 2019

Review By Whitney S. for Tim Higgins

Completed transaction in August 2019

I had to follow up on the appraisal several times (even after I paid for it). There was an issue with a K-1, in which I sent a letter of explanation and was then repeatedly asked for information which was in the letter. We received the final disclosures before the closing. The email didn't say that we had to sign them (but we did). We weren't told that if we didn't sign them the day they were sent, the closing would be delayed. We signed the next day but had to close while on vacation.


4.2 Survey completed on October 01, 2018

Review By James B. for Tim Higgins

Completed transaction in August 2018



5.0 Survey completed on September 06, 2018

Review By Matthew S. for Tim Higgins

Completed transaction in August 2018



5.0 Survey completed on May 15, 2018

Review By Wendey W. for Tim Higgins

Completed transaction in May 2018

This is our second time working with Embrace. After initially contacting Tim, we worked with Katie Bradner throughout the process. She was quick to answer our various questions, always got back to us the same day, and the whole process was fast, yet thorough.


5.0 Survey completed on March 03, 2018

Review By Sivakumar K. for Tim Higgins

Completed transaction in March 2018

Katie, Jen and the team is fabulous! Always respond on time and explain things.

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