Mortgage Manfro

Mortgage Manfro I help families and individuals obtain home ownership and love every minute of it! ABOUT TIM MANFRO

My name is Tim Manfro aka Mortgage Manfro.

I have been helping individuals and families achieve homeownership since 2007. I live to GIVE, GUIDE and EDUCATE!

04/03/2026

WHO YOU WORK WITH MATTERS… but WHO YOU GIVE WITH matters even more 🇺🇸❤️

We’re doing it again… and this time it’s bigger.

Last time, our community came together and donated 10,000+ pairs of socks 🧦
This time… we’re on a mission to thank 2,000+ soldiers with handwritten cards ✍️

And here’s the truth…
Soldiers have said the snacks and care packages are great…
but the letters are what they remember forever.

So we’re teaming up with HugsForSoldiers.org to send real, handwritten messages of gratitude to deployed troops around the world 🌎

We’ve already got:
🔥 Schools participating
🔥 Real estate agents stepping up
🔥 Fontana PD involved
🔥 Local leaders and organizations jumping in

And now I’m asking YOU…

Whether it’s:
➡️ 1 card
➡️ Your family
➡️ Your office
➡️ Your entire organization

YOU can be part of this.

We’ve got thousands of blank cards ready—we’ll get them to you.
You just write the message ❤️

Let’s not just hit 2,000…
Let’s BLOW PAST IT.

📩 DM me
📞 Call me
📍 I’ll drop cards off

Let’s show our soldiers what this community is all about.

Mortgage Manfro Gives Back
Gratitude in motion. Change in the making.

🌐 Thank2000Soldiers.com

12/09/2025

🍏🔥 Buyers are EATING the December market alive!
This is the month NO ONE talks about… but EVERY smart buyer uses.
Less competition.
More motivated sellers.
Below-list offers getting accepted.
Seller credits EVERYWHERE.

While most people wait until January to “restart” their home search…
December buyers are FEASTING — just like this guy juggling apples. 🤣🏡

If you want to take advantage of the most underrated month in real estate, DM me DECEMBER and I’ll send you the buyer playbook we use to win offers right now.

🍏🔥🏡

11/17/2025

Everyone’s freaking out 😱 but let’s break it down with ACTUAL facts (and some fun 😎👇):Yes—➡️ You pay more interest over time➡️ You build equity slower➡️ It’s a longer mortgageBUT also YES—🔥 LOWER monthly payment🔥 MORE people can finally afford to BUY🔥 It’s just another TOOL — not a requirement🔥 You can refinance anytime🔥 More homeowners = stronger communitiesAnd here’s the part nobody wants to talk about…👉 It’s basically the same effect as using down payment assistance.Clients who use DPA ALSO build equity slower……yet nobody’s trying to ban those, right? 🤷‍♂️The goal is SIMPLE:Get people into homes → THEN help them build wealth.Equity comes with time in the market — NOT timing it.When 30-year mortgages first came out, people said it was “crazy” too…Now it’s the norm. 🤯So 50-year mortgages?💚 I’m ALL FOR options.💚 I’m ALL FOR educating buyers.💚 I’m ALL FOR helping more families become homeowners.HOMEOWNERSHIP STARTS TODAY. Let’s GO 🚀 🏡💥

05/07/2025

💵 SAME AS CASH?! Yup. We do that. 💥
Think it’s impossible to compete with all-cash investors? Think again.
We help buyers win against cash offers every day—by getting strategic and going the extra mile.

🔑 Here’s how we do it:
✅ Full pre-approval + loan commitment BEFORE you make an offer
✅ Appraisal waiver? Secured.
✅ Comfortable waiving inspection & loan contingencies? Let’s go.
✅ Offer = no loan, no appraisal, no inspection = SAME AS CASH

One of our clients kept getting beat by investors until we structured their offer like a boss—and guess what? They WON.

Cash isn’t king when you’ve got the right team.
If you want this same strategy, drop some “💲💲💲” in the comments or DM me and I’ll show you how it works!

🏡🔥💰

05/03/2025

When we help a family get their dream home, there’s nothing we won’t do to deliver the good news…
Even if it means landing a plane on a golf course. 🛬🏌️‍♂️

Because in this business, it’s more than just real estate.
We’re not just helping people buy homes—we’re helping them start the next chapter of their lives.
A place to grow roots. Raise kids. Build wealth. Create memories that last forever.

And when that “OFFER ACCEPTED” comes through?
We celebrate like we just hit a hole-in-one.
Let’s be real—this is one of the best jobs in the world.

Ready to make it happen? Let’s get you home.

🏡🛬🔥💯

05/01/2025

🏌️‍♂️ Local Business Spotlight: ⛳️
Indoor golf. Anytime. Anywhere. Rain or shine. Let’s goooo!

Just wrapped a tour with Colin from , an EPIC 24/7 indoor golf simulator club right here in SoCal.
We’re talking 300+ courses (yes, including Pebble Beach), game-improvement zones, and rounds that only take 45–60 minutes! No sunburns, no 6-hour commitments—just pure golf vibes.

PLUS: They co-sponsored a raffle prize with me for our local golf tourney—supporting community + game improvement = WIN.

Want to try it FREE?
Comment GOLF below to get hooked up with a FREE 30-min session to swing by and test it out!

🏡🏌️‍♂️💥

05/01/2025

Spoiler: EVERYTHING starts to fall into place. 💥💪Last month, I committed to working out 25 times… and ended up hitting 30 workouts in 30 days.But that’s not the crazy part…The real transformation was what happened outside the gym.✅ I woke up earlier.✅ I crushed my business goals.✅ I hit 12+ closed loans.✅ I showed up better in every area of life.When you commit to ONE thing fully, the ripple effect is unreal.Discipline in one area creates consistency everywhere.You stop negotiating with yourself. You start WINNING.Challenge: What’s one thing YOU’LL commit to this month?Drop it in the comments. Let’s LEVEL UP together. 🚀 🏋️‍♂️🔥📈✨

05/01/2025

💥 WEDNESDAY WINS IN REAL ESTATE 💥
This one’s for the families making it happen, no matter what!

🏡 A couple came to us ready to pay cash for their dream home.
📉 But just as their offer got accepted… the stock market crashed.
💰 They didn’t want to pull money from their investments, so they needed a fast backup plan.

With a tight escrow and traditional financing off the table, we pivoted FAST:
✅ Found a non-QM solution.
✅ Qualified them for a P&L (Profit & Loss) Loan based on their business income.
✅ Used their strong down payment & excellent credit to secure approval.
✅ Explained every step so they could move forward with confidence.
✅ CLOSED ESCROW last week—and they couldn’t be happier!

Moral of the story: When you have the right team in your corner, anything is possible.
The market may change—but opportunity never stops. You just need to be ready.

Comment “P&L” if you want to learn more about Profit & Loss loans and creative financing solutions.

&LLoan 🏡✨

This Post-it Can Change Your Life! “STANDARDS EAT DISCIPLINE FOR BREAKFAST.” ⚡️🍽️Discipline fades. Motivation dips.But s...
04/14/2025

This Post-it Can Change Your Life!

“STANDARDS EAT DISCIPLINE FOR BREAKFAST.” ⚡️🍽️

Discipline fades. Motivation dips.
But standards? They’re non-negotiable.
They don’t rely on how you feel.
They’re the rules you live by—no matter what.
This is on of the many things I took from The Dark Side of Discipline—and it hit hard.

Discipline can be emotional.
Standards are foundational.
They build habits. They eliminate excuses.
And when you live by them—you can’t lose.

Set the standard. Stick to the standard.
And success becomes inevitable.

What’s ONE standard you’re committed to in 2025? Drop it below!

’tFail 🧠🔥📈💥

Post-it Reminder: WHEN YOU RUN YOUR OWN RACE, YOU’RE SURE TO WIN. 🏁Inspired by a powerful message from on the dark side...
04/07/2025

Post-it Reminder: WHEN YOU RUN YOUR OWN RACE, YOU’RE SURE TO WIN. 🏁
Inspired by a powerful message from on the dark side of discipline—a reminder that comparison is the thief of joy. Your timeline is YOURS. Your goals are YOURS. Your discipline is YOURS.

Stay in your lane. Focus forward. Let others inspire you, not distract you. Because when you run your own race, you’re sure to win.

💭 The only race worth winning is the one where you never quit.

Tag someone who needs this reminder today!

Address

440 E Route 66
Glendora, CA
91740

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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