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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
Amelia
Dec 3, 2025
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Servicio muy profesional la sra kerlin muy atenta y amable muy agradecida con ella me ayudo mucho
ida
Dec 3, 2025
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La experiencia fue muy buena, en todo momento estuvo accesible y siempre dispuesta por aclarar todas nuestras dudas. La ...See more
Sonia
Dec 3, 2025
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Kerlin es una Grandiosa Asesora, la recomiendo 100% siempre está disponible de tiempo y está atenta para tener la mejor ...See more
javier
Dec 3, 2025
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No tengo palabras para expresar mi agradecimiento a. Kerlin por su atención compromiso hacia mi solicitud de préstamo y ...See more
Marlenys
Dec 3, 2025
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Excelente, conozco a Kerlim personalmente desde hace años y doy fe de su eficiencia y profesionalismo. Gestione un prést...See more
Karen
Dec 3, 2025
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Best lender EVER!!!!

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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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