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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
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5.0
Experience logo
4.9
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5.0
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5.0
Kriston G.
Feb 23, 2026
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Hard working lender. He is not going to let anything fall in the cracks. True rockstar!
Miyah C.
Feb 23, 2026
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Tim Kritcher is awesome. Always informed and on top of all paperwork! Financing with AmeriFirst was a breeze! Thank you ...See more
Angela N.
Feb 23, 2026
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I really enjoyed working with Tim Kritcher on a deal with my Buyer! Tim kept me informed of every step of the loan proce...See more
Sindhoora B.
Feb 23, 2026
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Upon referral from our realtor, Christy Kahl, we have been working with Tim Kritcher for our first-time home mortgage. T...See more
Chad C.
Feb 14, 2026
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Tim was an amazing asset to the transaction for a mutual client. He was professional, courteous, and the consummate pro...See more
Sonia C.
Feb 11, 2026
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(Translated by Google) Kerlin is a fantastic advisor; I highly recommend her. She's always available and attentive, ensu...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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