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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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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
4.95
5.0
Courtney
Aug 07, 2025
Bowie, TX
Verified

Tim is an amazing lender! He takes the time to explain the entire loan process in a way that’s easy to understand, even beyond closing day. He’s detail-oriented, communicative, and always follows up with clients—even those who aren’t quite ready to buy. I trust that my clients are getting five-star service when Tim is their lender. He’s great at problem-solving, and he's also a fantastic partner when it comes to community events. I always recommend Tim to my clients to start the preapproval process.
Debra
Aug 05, 2025
Gainesville, TX
Verified

As always easy to communicate with and service clients locally. Attending closings with clients to make sure everything runs smoothl!!!
Austin
Aug 05, 2025
Gainesville, TX
Verified

Communication was always a key for them. Put things into terms that made sense. Went above and beyond explaining things they had to, questions I had and even things they've seen in their experiences.
Carla W
Aug 01, 2025
Verified

Tim and his team went above and beyond to make the process smooth and easy!
Carla
Jul 31, 2025
Runaway Bay, TX
Verified

Tim and his team went above and beyond to make things smooth and easy!
Marcy
Jul 28, 2025
Wichita Falls, TX
Verified

Great communication with the entire team. Got us to the closing table on time!

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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.