TopLender

TopLender I'm Tim McGarry, NMLS: ‍1248470, Loan Officer with Mutual of Omaha, a national mortgage lender making the home loan process simple. Subject to Credit Approval.

I'm Tim McGarry, Loan Officer with Mutual of Omaha, a national mortgage lender making the home loan process simple. See how you can save money buying a home with or without 20% down. Check your options without touching your credit score.

- See your payment estimate
- Discover 1st-time home buyer programs
- Get $1,500 towards closing costs, or double if you book a meeting
- I will go to bat for yo

u to get the right loan at the right rate

Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. Keller Home Loans is a division of Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. 3131 Camino Del Rio North, Suite 1100, San Diego, CA 92108. FL Mortgage Lender Servicer License MLD1827; Toll Free: (877) 978-1922. For licensing information, visit www.nmlsconsumeraccess.org.

Every class starts with a syllabus.What's covered. What's expected. How you'll be evaluated.Homeownership deserves the s...
08/31/2026

Every class starts with a syllabus.

What's covered. What's expected. How you'll be evaluated.

Homeownership deserves the same clarity.

What's your credit picture?
What's your budget?
What's your timeline?

A clear syllabus turns a confusing process into a manageable one.

Late August has a strange rhythm.Summer is winding down. Fall hasn't quite started.It's also one of the quietest windows...
08/29/2026

Late August has a strange rhythm.

Summer is winding down. Fall hasn't quite started.

It's also one of the quietest windows in real estate, before the fall rush begins.

Buyers who move now often face less competition than those who wait until October.

Sometimes the best time to act is right before everyone else does.

We're past the halfway point of the year.A good moment to ask:Did the goals you set in January still make sense?Rates ch...
08/26/2026

We're past the halfway point of the year.

A good moment to ask:

Did the goals you set in January still make sense?

Rates changed.
Life changed.
Priorities may have changed too.

A quick mid-year checkup often reveals opportunities buyers didn't know they had.
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Families will spend real money this month on backpacks, notebooks, and new shoes.Necessary expenses. But temporary ones....
08/24/2026

Families will spend real money this month on backpacks, notebooks, and new shoes.

Necessary expenses. But temporary ones.

Meanwhile, a down payment savings plan is something that compounds into an asset.

Both matter.

The difference is what you're building toward.

Kids aren't the only ones with homework this month.Before touring a single home, the smartest buyers already know:their ...
08/21/2026

Kids aren't the only ones with homework this month.

Before touring a single home, the smartest buyers already know:

their budget, their credit picture, and their financing options.

Skipping this step is like showing up to a test without studying.

Do the homework first.

The house hunting gets easier after.

The kids just left for school, or maybe for good.The house feels a little bigger. A little quieter.Some parents start as...
08/19/2026

The kids just left for school, or maybe for good.

The house feels a little bigger. A little quieter.

Some parents start asking:

Do we need all this space?

Downsizing isn't just about square footage.

It's about freeing up equity for what's next.

Some families choose their next home around a school district before anything else.Test scores.Programs.Proximity.It's o...
08/15/2026

Some families choose their next home around a school district before anything else.

Test scores.
Programs.
Proximity.

It's one of the most emotional reasons people buy.

But school-driven moves still come down to the same question:

What can you actually afford, and how?

Start there, and the rest gets easier.

Report cards are about to come home.Grades. Feedback. A clear picture of where things stand.When was the last time you g...
08/11/2026

Report cards are about to come home.

Grades. Feedback. A clear picture of where things stand.

When was the last time you gave your own finances a report card?

Credit score.
Savings.
Debt-to-income ratio.

You don't need straight A's to buy a home.

You just need to know where you stand.

Labor Day marks something most buyers don't realize: the unofficial restart of the fall market.Vacations are over.Kids a...
08/06/2026

Labor Day marks something most buyers don't realize: the unofficial restart of the fall market.

Vacations are over.

Kids are back in school.

And serious buyers start looking again.

Less competition. More motivated sellers. A different negotiating table than June.

The buyers paying attention right now are the ones who benefit most.

Every August, families rework their budget for backpacks, supplies, and new schedules.Most never stop to ask: could that...
08/03/2026

Every August, families rework their budget for backpacks, supplies, and new schedules.

Most never stop to ask: could that same discipline be applied to a home purchase?

Back-to-school season is really a financial reset in disguise.

New routines. New expenses. New priorities.

It's also one of the best times to sit down and actually look at what homeownership would cost you.

Address

7877 Parkway Ste 2D
San Diego, CA
91942

Opening Hours

Monday 6am - 5pm
Tuesday 6am - 5pm
Wednesday 6am - 5pm
Thursday 6am - 5pm
Friday 6am - 5pm

Telephone

+18586925539

Website

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