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Tim Higgins

Tim Higgins

Regional Manager / VP
Phone: 800.333.3004 ext. 3970
Mobile: 443.812.4145
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About

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.

Presidents Club 2016, 2014, 2013, 2012, 2011, 2010, 2009

 

Branch: Maryland - Rockville, 800 King Farm Boulevard, Rockville, MD 20850

Tim Higgins, NMLS# 177057 , is employed by Embrace Home Loans and is licensed in:
DC DE FL MD NC NY PA VA

Reviews (25 Reviews)

5.0
5.0 Survey completed on October 8, 2017
Reviewed By Amanda Kovack for Tim Higgins
Completed transaction in September 2017
Chip Briggs
3.667
3.667 Survey completed on August 30, 2017
Reviewed By Annette Bailey for Tim Higgins
Completed transaction in August 2017
Although I have not personally interact with Tim Higgins, Kate Bradner was so quick in responding to my calls and email from day one. The staff was quick to send me necessary documents for completion and keep me posted on any necessary changes. My first experience and first selection to find a lender (Thanks to my Relator Anita Mohamed) everyone was awesome! Although I have not personally interact with Tim Higgins, Kate Bradner was so quick in responding to my calls and email from day one. The staff was quick to send me necessary documents for completion and keep me posted on any necessary changes. My ...read full review
5.0
5.0 Survey completed on December 28, 2016
Reviewed By Ross for Tim Higgins
Completed transaction in December 2016
I got excellent service from the Tim Higgins team. Katie Bradner and Jen Kain were always on the ball and never missed a beat. Very responsive to any issues that popped up and I always felt taken care of. Couldn't be happier.
5.0
5.0 Survey completed on December 26, 2016
Reviewed By Mary the teacher for Tim Higgins
Completed transaction in December 2016
Using Embrace for a home loan was a pleasant and smooth experience! Everyone involved was courteous, patient and professional. I would certainly use them again if needed!
5.0
5.0 Survey completed on December 12, 2016
Reviewed By Samatra "Sam" Taylor for Tim Higgins
Completed transaction in December 2016
Wasn't really sure why everything was under Tim Higgins except that maybe they are a team. My whole experience was with Katie Bradner as my loan officer and her team of Jen Kain and Devin Reinhold. My Agent first reached out to Katie to get 203k advise. After he spoke to Katie - she told me how great and responsive she was, so I decided to go with Embrace.Wasn't really sure why everything was under Tim Higgins except that maybe they are a team. My whole experience was with Katie Bradner as my loan officer and her team of Jen Kain and Devin Reinhold. My Agent first reached out to Katie to get 203k a ...read full review
5.0
5.0 Survey completed on October 4, 2016
Reviewed By JUDI for Tim Higgins
Completed transaction in October 2016
At 47 years old, I was blessed with my first home. I worked so hard to get my credit up to par and to save the money needed for my down payment. Katie REALLY worked with me, she told me what to do, how to do it, and she stayed upbeat throughout the entire process. I don't know if there is an award to give her, but she was so professional at all times, she never let me get down, especially when it seemed like the seller was not going to cooperate. I am so very pleased with the service and especially my loan and the interest rate. THANK YOU THANK YOU THANK YOU!!! I WILL NEVER BE ABLE TO THANK YOU ENOUGH FOR EVERYTHING YOU HAVE DONE!!!!!At 47 years old, I was blessed with my first home. I worked so hard to get my credit up to par and to save the money needed for my down payment. Katie REALLY worked with me, she told me what to do, how to do it, and she stayed upbeat throughout the e ...read full review
5.0
5.0 Survey completed on June 9, 2016
Reviewed By JB for Tim Higgins
Completed transaction in June 2016
Very happy with Katie at Embrace. She was always available when I had a question and was very responsive, helpful and nice. Very satisfied.
5.0
5.0 Survey completed on May 1, 2016
Reviewed By The Z family for Tim Higgins
Completed transaction in May 2016
Having owned a home previously that we refinanced twice, we had always done big online services in the past like QuickenLoans and Lending Tree. This time we decide to go with a local lender that our realtor knew and the experience was so much better. Being able to physically meet with the person and get clear, up-front guidance on what documentation is needed was a big help, and it generally felt much more personal. We'll definitely look here again first if/when we buy another home!Having owned a home previously that we refinanced twice, we had always done big online services in the past like QuickenLoans and Lending Tree. This time we decide to go with a local lender that our realtor knew and the experience was so much better ...read full review
5.0
5.0 Survey completed on December 10, 2013
Reviewed By nihanli for Tim Higgins
Completed transaction in December 2013
We've done three refi of our home with Tim in the past couple of years and we are very satisfied. To us, Tim and his team are the ones we trust. They are responsive, knowledgeable and honest.
5.0
5.0 Survey completed on November 25, 2013
Reviewed By gayle graves gg for Tim Higgins
Completed transaction in November 2013
Our experience was great! The entire purchace process was smooth and efficient. Additionally, we needed to move quickly, so we had a narrow window of time to complete the process. It was done! We have already referred Tim, based solely on our excellent experience.Our experience was great! The entire purchace process was smooth and efficient. Additionally, we needed to move quickly, so we had a narrow window of time to complete the process. It was done! We have already referred Tim, based solely on our ex ...read full review
5.0
5.0 Survey completed on November 25, 2013
Reviewed By Biju Thomas for Tim Higgins
Completed transaction in November 2013
This is the 2nd House and 4th loan I have gotten from Tim. He and his team help you each step of the way, provide good advice and get you the best rates
5.0
5.0 Survey completed on November 25, 2013
Reviewed By aanmal1 for Tim Higgins
Completed transaction in November 2013
I did two refinances with Tim and both times i had very pleasant experience. He tell upfront what he can do and his staff just follows with same was promised. Signing documents and uploading documents is piece of cake. They are also very fast in processing the loan. Best this that settlement can be done at your home.I did two refinances with Tim and both times i had very pleasant experience. He tell upfront what he can do and his staff just follows with same was promised. Signing documents and uploading documents is piece of cake. They are also very fast in p ...read full review
5.0
5.0 Survey completed on November 25, 2013
Reviewed By nchand3 for Tim Higgins
Completed transaction in November 2013
Time Higgins is very prompt in responses and very honest. he will give all the detail ahead of the closing and no last minute surprise or changes. he send all the document to preview before and insist that we read it completely and ask any questions. even in weekends we will respond promptly if you contact him.Time Higgins is very prompt in responses and very honest. he will give all the detail ahead of the closing and no last minute surprise or changes. he send all the document to preview before and insist that we read it completely and ask any questions. ...read full review
5.0
5.0 Survey completed on November 22, 2013
Reviewed By horowitzm for Tim Higgins
Completed transaction in November 2013
Tim is the reason I refinance - his rates are incredible, but the knowledge, expertise and customer service are the reason I turn to him. He makes a seemingly difficult process easy. There is no better way to make sense of a difficult subject than to turn to Tim Higgins. I highly recommend Tim.Tim is the reason I refinance - his rates are incredible, but the knowledge, expertise and customer service are the reason I turn to him. He makes a seemingly difficult process easy. There is no better way to make sense of a difficult subject than ...read full review
5.0
5.0 Survey completed on November 22, 2013
Reviewed By JackieGuers for Tim Higgins
Completed transaction in November 2013
Tim has been very helpful with the purchase of our home and two applications to refinance. I also appreciate the informative emails as well as the greeting cards he sends to show he cares about his clients.
5.0
5.0 Survey completed on November 21, 2013
Reviewed By sharmila nadeem for Tim Higgins
Completed transaction in November 2013
I have used Tim Higgins twice in the last 3 years. First, with the purchase of my new home and second with the refinance of that same home. In both instances, he and his team were simply amazing. Their commitment to customer service, ease of communication, as well as their knowledge of the industry is incredible. I refer Tim to everyone who is looking for a reputable lender and I wish he and his Team much success in the upcoming year.I have used Tim Higgins twice in the last 3 years. First, with the purchase of my new home and second with the refinance of that same home. In both instances, he and his team were simply amazing. Their commitment to customer service, ease of commu ...read full review
5.0
5.0 Survey completed on November 21, 2013
Reviewed By Pyousefi for Tim Higgins
Completed transaction in November 2013
I refinanced my mortgage with Tim and it was a complete breeze. He was always available and got back immediately to my emails. Definitely worth it to at least talk to Tim and get an idea of what to expect.
5.0
5.0 Survey completed on November 21, 2013
Reviewed By nateplu for Tim Higgins
Completed transaction in November 2013
Have used "big banks" for home loans in the past but was referred to Tim through my real estate agent for our last purchase. The process went very smoothly, everyone in his office was quite helpful, and I would definitely recommend.
5.0
5.0 Survey completed on November 21, 2013
Reviewed By jjones220 for Tim Higgins
Completed transaction in November 2013
I have done business with Tim Higgins on three occasions; each time I have been thoroughly impressed with his professionalism and the results that he is able to bring to the table. He is personable and has been in touch with me since our first encounter. Doing business with Tim is as easy as it gets.I have done business with Tim Higgins on three occasions; each time I have been thoroughly impressed with his professionalism and the results that he is able to bring to the table. He is personable and has been in touch with me since our first encou ...read full review
5.0
5.0 Survey completed on November 21, 2013
Reviewed By deanandamber1 for Tim Higgins
Completed transaction in November 2013
We purchased a short sale using Embrace, and Tim Higgins for our mortgage loan needs. His team made the process seamless even though we had heard how difficult it could be purchasing a short sale. A few years later we came back to refinance for a lower interest rate, and again top notch professionals! We are so happy and will be life-long customers!We purchased a short sale using Embrace, and Tim Higgins for our mortgage loan needs. His team made the process seamless even though we had heard how difficult it could be purchasing a short sale. A few years later we came back to refinance for a l ...read full review
5.0
5.0 Survey completed on November 21, 2013
Reviewed By ess8duke for Tim Higgins
Completed transaction in November 2013
Tim was truly a pleasure to work with. He was professional, responsive, knowledgable, detail-oriented and very patient as I checked in frequently waiting/hoping for rates to dip. His advice was not only good at the time he gave it (reasonable,tailored to our lever of risk adversity, etc.), but in hindsight turned out to be spit on. He got us a great deal and all of the paperwork went very smoothly. His support staff was also very nice. Tim was recommended to us by friends in MD but was able to help us with out refi in northern VA. Just wish we'd found him for our initial mortgage when we purchased the house a few years earlier - he was fantastic and our first mortgage company really wasn't. I highly recommend Tim and will certainly use him again in the future!Tim was truly a pleasure to work with. He was professional, responsive, knowledgable, detail-oriented and very patient as I checked in frequently waiting/hoping for rates to dip. His advice was not only good at the time he gave it (reasonable,tailore ...read full review
5.0
5.0 Survey completed on November 21, 2013
Reviewed By pbresnahan for Tim Higgins
Completed transaction in November 2013
Tim has always very responsive with everything we needed when we refinanced our home. He was extremely helpful throughout the entire process. We have sent a number of friends to Tim for home loans.
5.0
5.0 Survey completed on November 21, 2013
Reviewed By lcmc4 for Tim Higgins
Completed transaction in November 2013
Tim Higgins is extremely professional and courteous and was a pleasure to do business with. The whole process was fast, and went very smoothly. My husband and I did two no-cost refinances with his help, allowing us to save a substantial amount of money. I have recommended him to friends and family members, and would not hesitate to do so again.Tim Higgins is extremely professional and courteous and was a pleasure to do business with. The whole process was fast, and went very smoothly. My husband and I did two no-cost refinances with his help, allowing us to save a substantial amount of mon ...read full review
5.0
5.0 Survey completed on November 21, 2013
Reviewed By user2260071 for Tim Higgins
Completed transaction in November 2013
Tim has helped us refinance our primary residence and an investment property several times, and most recently helped us secure a loan for an additional investment property. His team is very helpful, and their online document tools make submitting paperwork much easier. When we have checked in with other lenders for rate comparisons Tim has always offered us the best deals. I highly recommend Tim!Tim has helped us refinance our primary residence and an investment property several times, and most recently helped us secure a loan for an additional investment property. His team is very helpful, and their online document tools make submitting pa ...read full review
5.0
5.0 Survey completed on November 21, 2013
Reviewed By MOM1020 for Tim Higgins
Completed transaction in November 2013
Tim was low-key and easy to work with. He responded timely to our questions. He is most knowledgeable which gave us confidence in pursuing our loan. We highly recommend him.

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