Sam Timlick - Top Flite Home Loans

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Mortgage Loan Officer | Johnson City TN
Helping Tri-Cities buyers get preapproved🏡
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beacons.ai/mortgagemarinesam

NMLS #2776469 | Top Flite Home Loans
Co NMLS #4181 | Branch NMLS #142514
nmlsconsumeraccess.org
Equal Housing Lender

Not every buyer has the same story. Some are self-employed. Some are buying their first home. Some are moving up. Some n...
06/23/2026

Not every buyer has the same story.

Some are self-employed. Some are buying their first home. Some are moving up. Some need down payment help. Some were told no before. Some are ready now but need a stronger pre-approval before they shop.
That is real life.

And real life does not always fit into one simple box.

The good news is, there may be more than one way to look at your situation.

Let’s talk through where you are, what you want, and what options may help you move forward.

Happy Father’s Day to all the dads, grandfathers, stepdads, and father figures who bring strength, support, and love to ...
06/21/2026

Happy Father’s Day to all the dads, grandfathers, stepdads, and father figures who bring strength, support, and love to the people around them. Wishing you a wonderful day with your loved ones!!

If you already own a home, your equity may be an important part of your next move. Maybe you need more space. Maybe you ...
06/20/2026

If you already own a home, your equity may be an important part of your next move.

Maybe you need more space. Maybe you are relocating. Maybe your family needs have changed. Maybe you are ready for something different, but the timing feels overwhelming.

Your current home may be part of the strategy.

That does not mean there is one automatic answer, but it does mean it is worth having the conversation before you count yourself out.

If you are thinking about moving, let’s look at the full picture.

Today we pause to recognize Juneteenth and the freedom it represents. We're grateful for the diverse team members and co...
06/19/2026

Today we pause to recognize Juneteenth and the freedom it represents. We're grateful for the diverse team members and communities whose contributions have shaped Top Flite Home Loans into what it is today.

Buying and selling at the same time can get complicated fast. You find the right next home, but your current home has no...
06/18/2026

Buying and selling at the same time can get complicated fast.
You find the right next home, but your current home has not sold yet.
Now you’re trying to figure out timing, equity, offers, contingencies, and how to make the move without feeling stuck.

That’s where a Bridge Loan may be worth a conversation.
For qualified homeowners, a Bridge Loan can help create more flexibility when buying the next home before selling the current one.

It is not the right fit for every situation, but when it works, it can help solve a very real timing problem.

If you’re thinking about moving and wondering how to make the numbers work, let’s talk through the options before you assume you have to sell first.

A lot of homeowners are ready for their next chapter, but the timing can feel tricky. You may be wondering: Should I sel...
06/16/2026

A lot of homeowners are ready for their next chapter, but the timing can feel tricky.

You may be wondering:
Should I sell first?
Can I buy before I sell?
What happens to my equity?
What if I find the next home before my current one is under contract?
These are real questions.

Before you assume you have to wait or sell first, let’s talk through what may be possible.

Your next home may need more than a search plan.
It may need a timing strategy. đź•“

You do not have to be ready today to start working toward homeownership. Sometimes the most helpful thing you can do is ...
06/13/2026

You do not have to be ready today to start working toward homeownership.
Sometimes the most helpful thing you can do is find out what needs to happen next.

Maybe you need to build savings. Maybe you need to work on credit. Maybe your income needs to be reviewed differently. Maybe yourtimeline just needs a little more structure.

That is still progress.

A clear plan can turn “not yet” into “here’s what we’re working toward.”

If buying a home is on your mind, even if it feels far away, let’s start with a conversation.

06/13/2026

Clear to Close! (Shared with permission)

Today's a big day. Just got the "clear to close" for a client who was turned down by two other lenders.

No credit score.
Fixed income.
Never owned a home.
Didn't think it was possible.

Earlier this year I got a call: "Can you help?"

I spent time poring over her file, analyzing every detail.

I thought, "Okay — this can definitely be done. It's just going to take extra work. Why was no one else willing to help?"

Fast forward a few months, and every box is checked. Every 'i' dotted and 't' crossed.

Next week she gets the keys, and her dream literally comes true.

A big thank-you to Norman Blue at Weichert Realtors — your patience and hard work made this one happen.

Grateful to have partners who care as much as I do.

This meant a lot to me. If you're letting someone handle the biggest transaction of your life — well, that takes a lot of trust, and I don't take that lightly.

Whether it's your first home or your fifth, if you want someone who'll do the absolute best for you and treat you like family, look no further. I'd be glad to help.

06/12/2026

Your straight-talk guide to buying a home in Johnson City and the Tri-Cities

Getting denied for a mortgage is discouraging. Especially when you’re left with more questions than answers. Was it cred...
06/11/2026

Getting denied for a mortgage is discouraging.
Especially when you’re left with more questions than answers.
Was it credit? Income? Debt? Savings? Documentation? The loan program? Sometimes buyers are told “no” without a clear explanation of what needs to happen next.

That’s where DreamSaver can help.
It’s designed for buyers who were not approved and need a real plan, not a vague “try again later.”

No pressure. No guessing. Just a closer look at what happened, what needs to change, and what steps may help you work toward homeownership.

If you were denied somewhere else, let’s take a second look.

Address

2726 E. Oakland Avenue, Suite 107
Johnson City, TN
37601

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