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Tim Kritcher

Branch Manager

NMLS# 99435

About me

Welcome Home!

If you're seeking a mortgage experience that is both personal and ethical, I'm here to guide you every step of the way.   Serving North Carolina, South Carolina, Virginia & Alabama

Since 1996, I've been committed to helping homebuyers navigate the mortgage process with confidence and clarity. With a strong background in branch operations and personal loan production, I lead a seasoned mortgage team that brings deep expertise and insight into every aspect of mortgage lending. We stay ahead of market trends and are dedicated to delivering exceptional service with integrity and professionalism.

Our team is built on a foundation of high standards and strong values. We take pride in offering tailored mortgage solutions to meet the unique needs of each borrower, realtor, and builder we serve. With 95% of our business coming from referrals by past clients and community partners, we focus on building lasting relationships-customers for life.

We are truly grateful for the trust our clients and referral partners place in us, and we look forward to helping future borrowers achieve their home financing goals.

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.

Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.98 out of 5.0 stars
Zillow logo
5.0
Facebook logo
5.0
Experience logo
4.9
Google logo
5.0
Third party logo
5.0
javier r.
Jan 25, 2026
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(Translated by Google) I have no words to express my gratitude to Kerlin for her attention, commitment to my loan applic...See more
ida d.
Jan 24, 2026
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(Translated by Google) The experience was excellent; she was always accessible and willing to answer all our questions. ...See more
Jazzmyn P.
Jan 20, 2026
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100% recommend Tim Kritcher at Amerifirst every time! I’ve used him twice now and each time was a great experience. He g...See more
Amelia G.
Jan 19, 2026
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(Translated by Google) Very professional service, Mrs. Kerlin was very attentive and kind. I am very grateful to her, sh...See more
Katie M.
Jan 15, 2026
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Top notch service! Tim is always on top of communication with his clients and always makes the transaction go smoothly!
Ana P.
Jan 10, 2026
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Working with Kerlin was a blessing. She was prompt responding, teaching and walking me through the process. Being a fi...See more

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Awards

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Causes & Memberships

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NMLS ID #99435

I am authorized to do business in the states of Alabama, North Carolina, South Carolina and Virginia. (www.nmlsconsumeraccess.org/);

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