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Own what matters

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Tim Kritcher

Branch Manager

10720 Sikes Place, Suite 125, Charlotte, NC 28277
Own what matters

About Me

Welcome Home! 

If you're ready for a Personal and Ethical mortgage transaction, I would be happy to assist and answer the many questions you may have. 

Guiding buyers since 1996, I have been dedicated to the management of successful branch operations and personal loan production. My experienced mortgage team understand market trends and has a collective knowledge with all facets of mortgage lending. We maintain the highest of standards and uphold strong values while providing superior customer service. I pride myself with providing personalized mortgage experiences to all of my borrowers, realtors and builders. With 95% of my customers being direct referrals from past clients and community contacts, I build customers for life. 

Our team greatly appreciates all of our borrowers and referring partners and we look forward to helping all future borrowers achieve their financing goals. 

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.



A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.


Are you purchasing a rural property? A USDA loan is a great fit. Enjoy lower interest rates with no down payment. These loans are best suited for homebuyers with moderate to low income and are offered to rural property owners through the U.S. Department of Agriculture (USDA).

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Causes I'm
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NMLS ID #99435
I am authorized to do business in the state of North Carolina.