Tim McGarry - TopLender
Loan Officer | NMLS# 1248470
Guild Mortgage is a leading independent mortgage lender in the United States, specializing in residential home loans. For more than 60 years, we’ve grown through referrals by focusing on doing what’s right.
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Business Hours
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
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Reviews from Web
TopLender makes the loan process so seamless! I have used him for years and only get positive feedback from all of my buyers. Whether it’s a first time home buyer or a buyer that needs some creative financing, Tim is top tier in getting it...
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Tim was on point. His team kept us informed. They were there to answer questions. The loan tracker was awesome to know where we stood in the process. Thank you very much
Tim stepped up for my family and I at peak 2020 madness. His experience with the Socal housing market and with local loan programs were a lifeline for us. I wasn't anticipating the stress that comes with buying a new home. Tim was able to keep...
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I had a hard time getting financing until a friend introduced me to Tim. I was told over and over again I needed 20% down, and then Tim introduced me to alternative home-buying programs. He made the process simple and easy. Thank you so much,...
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We first met him in San Diego, and he is hands-down the best with first-time home buyers. So when we decided to buy here in Fort Myers, Florida, he stepped up big time. He guided us through the entire process and got us approved to buy this...
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Reply from Owner
May 21st, 2026 06:49 PM
Thank you so much for the incredible review, Nicole! Helping first-time home buyers navigate the mortgage process whether they are looking in San Diego or Fort Myers, Florida is exactly what we love to do. It was an absolute pleasure getting...
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As first-time homebuyers, we had a lot of questions and honestly didn’t know what to expect during the loan process. Tim McGarry and his team made everything so much easier by guiding us through each step with patience, professionalism, and...
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Reply from Owner
May 21st, 2026 04:25 PM
Thank you so much for the incredible review, Jessica! It was an absolute pleasure working with you both on your journey as first-time homebuyers. Navigating the San Diego real estate market can feel overwhelming, so our team always strives...
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I recently worked with Tim on a mortgage and I was shocked at how simple and stress free he made the process.I actually didn't need the 20% down or the PMI. He made my dreams come true. I was thinking all along it was going to take another...
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Sometimes felt like as first time home buyers we didn't know what was going on. But it did work out
Tim McGarry - TopLender has received a review with 5 star rating from Ginger L
Reply from Owner
November 12th, 2025 08:15 PM
Thanks for the kind review, Ginger.
Tim was prompt and personable. I felt like he took the time to understand where I was at financially and wanted to learn my goals for the future. He offered great advice and helped build my confidence on my home-buying journey.
Reply from Guild Mortgage - Tim Mcgarry
May 21st, 2025 03:25 PM
I'm thrilled to hear that you found our interaction prompt and personable. It was important to me to understand your financial situation and future goals thoroughly. I'm glad I could offer advice that helped build your confidence in your home-buying...
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About
Guild Mortgage is a leading independent mortgage lender in the United States, specializing in residential home loans. For more than 60 years, we’ve grown through referrals by focusing on doing what’s right.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Specialities
Bridge
Conventional
Down Payment Assistance
Energy-efficient
FHA
Jumbo
Lock and Shop
Manufactured Homes
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429
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Time Zone
Pacific Standard Time (PST)
Disclaimer
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NMLS ID: 1248470; Guild Mortgage Company; Equal Housing Opportunity; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.