Mortgage expert with 15+ years experience guiding clients nationwide through successful home financing and refinancing. Specializing in conventional, FHA, VA, USDA, Jumbo, construction, and renovation loans, plus down payment assistance programs. Expertise includes single family homes, multi-unit properties, investment properties, and condos. I provide personalized support from application to closing, simplifying complex loan options and minimizing stress with proactive planning. Contact me via phone, email, or text for efficient, streamlined service. tim@amres.com. NMLS #1359704. Member FDIC and Equal Housing Lender.