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Homeownership Through Education

Guiding You Every Step of the Way

About me

With nearly three decades in the mortgage world, I've seen it all - booms, busts, and everything in between.  In that time, I discovered that educating homebuyers is what I enjoy most about working in this industry.   Whether someone is buying their first home or refinancing for the third time, I take the time to break down the process, explain the options, and answer every question.  My goal is to make sure the homeowner walks away with keys in hand and a clear understanding of how and why the loan works for them.

When I'm not helping clients navigate the path to homeownership, you'll find me spending time with my family, cooking for them, or traveling - especially to the beach.  My wife of 36 years and I have a family of two children and their spouses, six granddaughters, and soon we will welcome a great-grandchild - the first boy in 31 years.
Not only have I seen a thing or two in the mortgage business, but I have seen a thing or two in my travels.  If you know the Biles family, you know that friends and family call our travels "The Biles Adventures." My wife and I were on the 'Poop Cruise', if that tells you anything!  We have had some interesting trips for sure.

Buying a home is an adventure.  I thrive on the adventure and am honored to help you on your journey to homeownership, turning what can feel overwhelming into an exciting and rewarding experience.

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Meet my team

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

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.

Product Info

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home equity insights

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Testimonials

Testimonials
4.97 out of 5.0 stars
5.0
4.96
5.0
Danae M
Sep 11, 2025
Verified

Tim and his team were super kind and helpful throughout the entire process as they went above and beyond for us whenever we needed anything!
Candace
Sep 08, 2025
Verified

I’ve had the pleasure of working with Tim Biles & his team on many transactions, and he is truly top-notch. His communication is excellent, he’s proactive throughout the process, and he consistently gets deals closed on time! Closings with Tim are always smooth and he makes the experience stress-free for everyone involved. Whenever he’s the lender on a file I am working, I have complete confidence it will get closed. Tim is amazing to work with, and I can’t recommend him enough!
Seth
Sep 03, 2025
Decatur, TX
Verified

Top notch service and great communication!!
Jessica
Aug 16, 2025
Weatherford, TX
Verified

Tim is an excellent lender with so much knowledge & provides the best communication I've ever had from a lender. We have been working together for the past 4-5 years and he has been excellent on every transaction . Highly highly recommend Tim & his team!
Shila
Aug 16, 2025
Weatherford, TX
Verified

Tim Cara and his entire fantastic staff worked together so well. Making this a very smooth transaction. Not only were we able to close this transaction smoothly Tim and his staff made it possible for us to move the closing date forward and close early. Thank you so much for all you've done.
Sarah
Aug 16, 2025
Weatherford, TX
Verified

Tim and his team were wonderful to work with. They were responsive and efficient And make our first home buying experience a pleasure.

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Awards

Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #674159
I am authorized to do business in the states of New Mexico, Oklahoma and Texas.