Tim Rhey
Owner - NMLS# 883312
With over 20 years of experience in mortgage lending and real estate investing, I’ve helped thousands of families nationwide navigate homeownership with clarity and confidence. My work is built on long-term relationships, not transactions.
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Location & Business Hours
Business Hours
Tues
24 hours
Wed
24 hours
Thu
24 hours(Open now)
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Reviews from Web
Tim and his associates are amazing!
Reply from Tim Rhey
March 6th, 2026 09:56 PM
Deb, thank you for the wonderful review! We really appreciate you taking the time to share your experience. It was a pleasure helping you, and my team and I are always here if you need anything down the road.
The Gold Standard for Complex Lending – Tim and Terri are Unbeatable!I cannot recommend True Rate Mortgage Group highly enough. My loan was anything but standard—it was a complex, non-conventional deal with hurdles that would have stalled most...
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Reply from Owner
February 17th, 2026 11:35 PM
Thank you for your thoughtful review, Michelle! It was a privilege to work with you, and I’m so glad we could make the process smooth and successful as possible. I truly appreciate your trust and support.
Tim is phenomenal at what he does, we've used him twice now and he's always been extremely knowledgeable, helpful, and able to explain things so that we understand our options and what's going on in the process. Also, he's always available...
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Reply from Tim Rhey
March 6th, 2026 09:57 PM
Reece, thank you so much for the kind words and for trusting me again with your mortgage! It truly means a lot to work with great clients like you. I’m glad I could help make the process clear and smooth for you. I really appreciate the recommendation...
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You want the best? You get the best with Tim. He looks out for his clients and gets too the bottom line with no fluff. Highly recommend Tim!
Reply from Tim Rhey
November 21st, 2025 01:36 PM
Thank you so much for this review, Kevin! I always appreciate your trust, and I’m grateful every time you choose to work with me. Thanks again for the recommendation — I’m always here whenever you need me.
Tim was very helpful in assisting me with my VA loan process. He explained the entire process, supported me during the process and was extremely helpful during the qualifying, appraisal and final documentation process. I would use and recommend...
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Reply from Tim Rhey
November 19th, 2025 02:09 PM
Thank you so much for your kind words, Allon. I’m grateful for your trust and glad I could make your VA loan process smooth and clear. I truly appreciate your recommendation, and I’m always here if you need anything in the future.
Tim is honestly the best mortgage person around. He is knowledgeable, friendly, patient, and responsive. I highly recommend Tim!!
Reply from Tim Rhey
November 7th, 2025 06:31 PM
Thank you so much for your kind words, Randee! It means a lot to hear that you had such a positive experience. I truly appreciate your trust and recommendation!
Tim was so helpful throughout this whole process. He broke down everything for us so we understood what we were doing every step of the process. Tim answered all of our questions quickly and without judgement. We know he had our best interests...
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Reply from Owner
September 15th, 2025 05:31 PM
Thank you for the kind review, Katie! It was a pleasure working with you and I am happy I was able to be a part of your homebuying process.
Tim Rhey has received a review with 5 star rating from Silmara D S
Reply from Owner
September 15th, 2025 05:31 PM
Thank you for the 5-start review, Silmara!
I’m not sure how many reviews you can do for one guy and his team? But after the phenomenal job Tim and his team at True Rate Mortgage Group did on our most recent purchase, they are getting another one!!!!! Not only did Tim and his team get...
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Reply from Owner
August 7th, 2025 02:45 PM
Thank you, Kyle! It’s always a pleasure working with you and your family. I'm so glad we were able to help you into your stunning new home — congratulations again!
I wanted to express my sincere gratitude to mayor Thomson for approving my loan. Your professionalism and kindness are truly appreciated. 👍
Reply from Tim Rhey
April 10th, 2026 04:23 PM
You are very welcome.
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About
With over 20 years of experience in mortgage lending and real estate investing, I’ve helped thousands of families nationwide navigate homeownership with clarity and confidence. My work is built on long-term relationships, not transactions.
At True Rate Mortgage Group, we focus on clean execution, smart loan structure, and minimizing unnecessary costs so clients can make sound financial decisions that hold up over time. As of February 2025, 94% of my business comes from repeat clients and referrals, which I view as the most meaningful measure of trust.
I place a high value on my real estate partnerships and stay accessible, proactive, and accountable to ensure smooth transactions and protect everyone’s reputation. I’m also the co-author of Mortgage Club (September 2025), a top-selling Amazon category book written to help consumers avoid costly mortgage mistakes.
True Rate operates in partnership with Altamont Funding, providing the lending flexibility and compliance infrastructure needed to execute at a high level. Always open to connecting.
Tim Rhey
NMLS #883312
https://www.nmlsconsumeraccess.org/
https://www.altamontfunding.com/disclaimer/
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Conventional Home Loans
VA Home Loans
FHA Home Loans
USDA Home Loans
Jumbo Home Loans
Adjustable-Rate Mortgages (ARMs)
Fannie May and Freddie Mac Home Loans
Home Equity Lines of Credit (HELOCs)
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Search Rank ScoreLearn More →
235
/850
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Positions
- True Rate Mortgage Group, LLC - Owner - Mortgage Loan OriginatorDec 1st, 2023 - Current
Addresses and Serving Areas
Year Started
2012
Licenses
- NMLS 883312
Hobbies
- Travel
- Family Adventures
- Tennis
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Disclaimer
Timothy Rhey NMLS# 883312
NMLS Consumer Access Link: https://www.nmlsconsumeraccess.org/
Equal Housing Opportunity. Privacy Policy or link to the privacy policy : https://xperthomelending.com/privacy-policy/Xpert Home Lending, Inc. is a Real Estate Broker Licensed by the California Department of Real Estate
DRE #02166758 NMLS: 2179191