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

 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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