

Tim Hardin
Branch Manager
As a loan specialist with over 20 years in the industry, my value propositions are clear: I can get any loan done quickly, with low rates, and with great communication throughout the entire process. When clients work with me, they can trust... Show More
Location & Business Hours
Business Hours
Wed
24 hours
Thu
24 hours
Fri
24 hours(Open now)
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Reviews from Web
Tim treated me like family. He was patient, showed grace and bent over backwards for us. He was extremely communicative, very available and helped our dreams come true. He was focused on the relationship and not the business opportunity. Will...
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Tim treated me like family. He was patient, showed grace and bent over backwards for us. He was extremely communicative, very available and helped our dreams come true. He was focused on the relationship and not the business opportunity. Will...
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Highly recommended Tim for your mortgage needs, made the process go smoothly during these trying times of covid19, got a great rate and removed that nasty PMI off my mortgage not to mention the extra $200 dollars in my pocket every month. Thanks...
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Highly recommended Tim for your mortgage needs, made the process go smoothly during these trying times of covid19, got a great rate and removed that nasty PMI off my mortgage not to mention the extra $200 dollars in my pocket every month. Thanks...
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I have purchased a few homes and refinanced a couple times, and this was by far the best / easiest mortgage experience I have ever had. Tim ran interference for all the requests, and I had basically zero frustration. I will never use another...
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I was very satisfied with bay equity home loans and we would recommend them to our friends and family who may be buying homes. Tim was very proactive with communication and always available to answer our questions.
Reply from Tim Hardin
September 18th, 2018 10:25 PM
Thank you Paul! It was a pleasure working with you guys on this purchase! Thank you for your service!! Blessings brother!
I was very satisfied with bay equity home loans and we would recommend them to our friends and family who may be buying homes. Tim was very proactive with communication and always available to answer our questions.
Reply from Owner
September 18th, 2018 12:00 AM
Thank you Paul! It was a pleasure working with you guys on this purchase! Thank you for your service!! Blessings brother!
Tim came recommended by a friend who has used him before. He did our refinance and was great throughout the process. Tim is a hard worker and does a great job of communicating every step of the process. I would highly recommend working with...
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Tim came recommended by a friend who has used him before. He did our refinance and was great throughout the process. Tim is a hard worker and does a great job of communicating every step of the process. I would highly recommend working with...
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Although I ultimately went with a different lender, speaking with Tim and his partner Todd has been an absolute pleasure during my loan process with them. They are incredibly responsive and helpful, offering great advice and guidance for a...
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About
As a loan specialist with over 20 years in the industry, my value propositions are clear: I can get any loan done quickly, with low rates, and with great communication throughout the entire process. When clients work with me, they can trust that their financial goals are in experienced hands. Whether it's a first-time home buyer or a seasoned investor, my commitment to delivering exceptional service remains the same. One of my greatest skills is providing VIP service to all my clients. I understand that applying for a loan can be a stressful and overwhelming experience, which is why I take the time to listen to each client's individual needs and concerns. From there, I customize a loan solution that works best for them. This level of personalized attention, paired with my extensive knowledge of the industry, has earned me a reputation as a trusted advisor in the lending community. Outside of work, family is my top priority. I have five daughters, one son, and a wonderful wife, Mary. We've been married for 20 years and enjoy spending time together by the ocean and with our friends. I understand the importance of balancing family and work, which is why I always make sure to prioritize my clients' time and schedules. With my experience, dedication, and attention to detail, I am confident that I can help any client achieve their financial dreams.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Construction Loan
Adjustable Rate Mortgages
DSCR Loans
Commercial Loans
Bank Statement Loans
1099 Income Loans
Specialities
Conventional
FHA
USDA
Jumbo
VA
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Positions
- United Modern Mortgage - CEOMar 10th, 2025 - Current
Addresses and Serving Areas
Primary Serving Area
Licenses
- 294131
- 2414401
Hobbies
- Church, Surfing, Reading, Hiking, Ocean, Mountains, Anything my daughters like, collecting sports