Sam Timlick - Top Flite Home Loans

Sam Timlick - Top Flite Home Loans As an experienced Area Manager, I understand the process of securing a mortgage can be intimidating.

Mortgage Loan Officer | Johnson City TN
Helping Tri-Cities buyers get preapproved🏡
Start here ↓

https://samtimlick.com

NMLS #2776469 | Top Flite Home Loans
Co NMLS #4181 | Branch NMLS #142514
nmlsconsumeraccess.org
Equal Housing Lender That’s why I take the extra time to discuss any financial or budgetary concerns and guide my clients through the mortgage process every step of the way.

I work to present my clients with affordable property loans, and I’d love to add you to my list of satisfied customers. If you’re ready to take the leap into homeownership, come experience the Top Flite difference and see what loan options are available to you.

Buying a home involves more than finding the right property. A little preparation can help you feel more confident befor...
08/27/2026

Buying a home involves more than finding the right property. A little preparation can help you feel more confident before you begin.

Here are four quick tips I share with my clients:
Start with a pre-approval
Plan for expenses beyond the down payment
Avoid major financial changes during the process
Schedule a professional home inspection

Every buyer’s financial picture is different. I’m here to answer your questions, review your options, and help you create a plan for your next move.

Send me a message when you are ready to get started.

Nothing says home quite like a happy dog waiting at the door. Happy National Dog Day to all the four-legged family membe...
08/26/2026

Nothing says home quite like a happy dog waiting at the door. Happy National Dog Day to all the four-legged family members out there.

Not every potential buyer earns income through a traditional salary and W-2.Self-employed borrowers, business owners, re...
08/25/2026

Not every potential buyer earns income through a traditional salary and W-2.

Self-employed borrowers, business owners, real estate investors, and people with variable income may need a different approach to documenting their financial picture.

Non-QM loan programs may provide alternative qualification methods for certain borrowers. These programs have their own eligibility requirements, documentation standards, costs, and terms, so a personalized review is important.

Different income does not automatically mean there is no path forward.

Send me a message and let’s talk about your situation.

A home can check every box inside and still make daily life more difficult because of its location.Before making an offe...
08/20/2026

A home can check every box inside and still make daily life more difficult because of its location.

Before making an offer, consider how the neighborhood may fit your everyday routine:
• School and childcare routes
• Work commute
• Grocery stores and healthcare
• Parks and recreation
• Traffic at different times of day

When possible, visit the area more than once and at different times. Your dream home should support the way you actually live.

When you are ready to prepare the financing side of your home search, I’m here to help.

A temporary buydown is a financing arrangement that may lower a borrower’s monthly mortgage payment during the first one...
08/13/2026

A temporary buydown is a financing arrangement that may lower a borrower’s monthly mortgage payment during the first one or more years of the loan.
The funds used for the temporary reduction may come from an eligible seller, builder, or other approved source, depending on the transaction and loan program.
It is not the right fit for every buyer, but it can be one option to discuss when putting together a homebuying strategy.

Message me to learn more!

Real talk: the housing market can feel different in August than it did at the beginning of summer.Some sellers may becom...
08/11/2026

Real talk: the housing market can feel different in August than it did at the beginning of summer.

Some sellers may become more motivated as summer winds down, while buyers may face less competition than they did earlier in the season. That can sometimes create more room to discuss price, closing timelines, seller concessions, or other offer terms.

Every situation is different, but it may still be worth seeing what is available.
Have questions about preparing your financing? Send me a message.

08/06/2026

Veterans — if you're looking to get into real estate investing, here's a strategy most people don't know exists: you can hold an FHA loan on your current home and get preapproved for a VA loan on your next one at the same time. I'm currently working with a veteran doing exactly that — FHA loan on their current property, VA preapproval in hand for the next one, with the plan to rent out the first.

That's the kind of move you only catch when you're working with someone who knows how to use your VA benefit to its full advantage, not just process the paperwork.

If you're a veteran thinking about investing and want to talk strategy, give me a call.

Sam Timlick, mortgage loan officer in Johnson City, TN
NMLS # 2776469 | Equal Housing Lender

Before you spend hours scrolling through listings, it helps to understand what may fit your financial picture.A pre-appr...
08/06/2026

Before you spend hours scrolling through listings, it helps to understand what may fit your financial picture.

A pre-approval can help you:
âś“ Better understand your potential price range
âś“ Review estimated monthly payments
âś“ Identify documentation questions early
âś“ Shop with a clearer plan

You do not need to have everything figured out before reaching out. I’m here to help you understand the process and determine your next step.

Summer may be winding down, but that does not necessarily mean you have missed your opportunity to make a move.Late summ...
08/04/2026

Summer may be winding down, but that does not necessarily mean you have missed your opportunity to make a move.
Late summer can bring a different pace to the housing market. Some buyers may face less competition than they did earlier in the season, and some sellers may be more open to discussing offer terms.

Thinking about buying? I can help you understand your financing options and build a plan for your next step.
Send me a message when you are ready to start the conversation.

07/31/2026

Splitting your mortgage payment can blow up your credit

Address

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

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

(253)4312630

Website

,

Alerts

Be the first to know and let us send you an email when Sam Timlick - Top Flite Home Loans posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Sam Timlick - Top Flite Home Loans:

Shortcuts

Share

Category