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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
courtney
Jan 4, 2026
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Best experience using Donna Kritcher to get a loan for our first house! She walked us through the whole process, and had...See more
Alan
Jan 4, 2026
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Amerifirst sets the standard for market and has been the most pleasent to work with. Tim kritcher is very passionate and...See more
Tracey
Jan 4, 2026
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Tim and AmeriFirst are the best! He always does what he says he will do, he is fast and efficient, and all of our client...See more
Crystal
Jan 4, 2026
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Tim and Beth have been great to work with. Tim went above and beyond to help us through our home buying prpcess. I woul...See more
JASON
Jan 4, 2026
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TIm was great to work with. Due to some old credit issues we had to start and stop the home buying process three times....See more
Nicole
Jan 4, 2026
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Tim is excellent to work with and shoots straight with you from the very beginning. He consistently closes on time, and...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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