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I'm Tim McGarry, NMLS: ‍1248470, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple.
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I'm Tim McGarry, NMLS: 1248470, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. At PrimeLending, we are Home Loans Made Simple®. For over three decades, we have helped people buy, refinance
and renovate their homes. PrimeLending's loan officers give customers personal attention and explain their options
every step of the way. We have straightforward

processes, user-friendly mobile applications and step-by-step
communication to keep our customers informed and feeling at ease. We lock, approve and close loans quickly, and
earn our customers' trust with our reliable service. PrimeLending loan officers help customers choose from a wide
array of loan products, like fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options,
renovation loans and relocation programs. PrimeLending NMLS ID: 13649
primelending.com/legal
Equal Housing Lender
For licensing information, go to: www.nmlsconsumeraccess.org

06/16/2026

A lot of buyers think they’re “not ready” to purchase a home.

Then we actually run the numbers.

And many realize they were much closer than they thought.

The problem isn’t always income.
Or credit.
Or even down payment.

A lot of times it’s simply a lack of clarity.

Because once buyers understand:
• realistic monthly payments
• down payment options
• available programs
• true cash-to-close numbers

…the entire conversation changes.

The unknown is usually scarier than the actual math.

06/14/2026

Tired of the guesswork of Zestimates and online calculators? Buying a home shouldn't be a nightmare of hidden closing costs and market uncertainty.

When you work with Tim, you get full transparency before you even start touring homes. He provides:

Total Monthly Payments: Know your actual costs, not just the home price.
Cash to Close: See exactly what you need upfront.
Side-by-Side Comparisons: Map out different payment options to find what makes sense for you.

In today's market, clarity makes all the difference. Experience a home buying process with no surprises, no last-minute stress, and total confidence from start to finish.

06/12/2026

“I’m waiting for rates to drop.”

That may sound smart on the surface…
but the reality is more complicated than that.

If rates drop significantly:
• more buyers jump back into the market
• competition increases
• inventory tightens
• bidding wars often return
• prices can rise quickly

Which means waiting doesn’t automatically create a better deal.

Sometimes the better move is:
• negotiate now
• secure seller concessions
• use a temporary buydown
• refinance later if rates improve

There’s no universal answer.

But buyers who understand the math usually make far more confident decisions.

06/10/2026

One of the biggest financial mistakes buyers make?

Draining all of their savings just to hit a certain down payment number.

In many cases, preserving liquidity is actually the smarter move.

Why?

Because homeownership comes with:
• maintenance
• repairs
• emergencies
• lifestyle changes
• future opportunities

Sometimes having stronger reserves creates more long-term stability than putting every available dollar into the home upfront.

Smart buyers think beyond closing day.

06/07/2026

Everyone keeps talking about interest rates.

Almost nobody is talking about loan strategy.

And honestly, that’s where buyers are leaving money on the table right now.

Because your rate is only ONE part of the equation.

What really matters is:
• total monthly payment
• seller credits
• cash to close
• mortgage insurance structure
• temporary rate buydowns
• long-term refinance potential

There are buyers right now getting into homes more comfortably than expected simply because they structured the deal intelligently.

The smartest buyers today are not just rate shopping.

They’re strategy shopping.

06/06/2026

The best buyers are not always the buyers with the most money.

They’re usually the buyers with:
• a plan
• realistic expectations
• strong guidance
• and a smart financing strategy

Because wealth is rarely built by making emotional decisions.

It’s built through smart long-term decisions repeated consistently over time.

There’s a huge difference between:
buying a house…
and buying wisely.

06/05/2026

Buying a home can be a stressful process, and it’s natural to feel overwhelmed by questions about what you can afford or if your credit is good enough. Whether you are worried about needing a 20% down payment, looking for down payment assistance, or dealing with less-than-perfect credit, Tim McGarry is here to help you navigate the journey.

With interest rates and various loan factors constantly changing, it is important to understand your options, including mortgage insurance and total costs. We want to make the process easier for you by showing you exactly how you can save money.

Ready to get started?
Quick Assessment: Answer five to seven quick questions to begin.

Side-by-Side Comparisons: See a clear, side-by-side breakdown of your different options.

Expert Guidance: Learn about all the ways we can help you achieve your goal of homeownership.

Don't let the process drive you insane—click below to find the loan that works for you.

06/03/2026

One of the biggest myths in real estate is still alive and well:

“You need 20% down to buy a home.”

The truth?
Many buyers qualify with far less.

And in some cases, putting 20% down may not even be the smartest move financially.

There are buyers right now using:
• 3% down
• 5% down
• 10% down
• rate buydown programs
• mortgage insurance payoff strategies

…while still maintaining comfortable monthly payments and preserving more cash in the bank.

The real question is not:
“How much SHOULD I put down?”

It’s:
“What creates the strongest financial position for me long term?”

There’s a huge difference.

06/01/2026

The biggest mistake buyers make right now?

They start shopping for homes before they fully understand their buying strategy.

Most people focus only on:
• the home price
• the interest rate
• the monthly payment

But the smartest buyers are asking much bigger questions:
• How much cash should I actually put down?
• Should I preserve liquidity?
• Is a rate buydown smarter?
• Does mortgage insurance actually matter in my situation?

Two buyers can purchase the exact same home and end up with completely different financial outcomes depending on how the loan is structured.

Buying a home isn’t just about approval anymore.
It’s about strategy.

That’s where the right guidance changes everything.

05/30/2026

Buying a home today is not just about getting approved.

Approval is honestly the easy part.

The bigger question is:
“Will this still feel like a smart decision six months from now?”

That’s why we spend more time helping buyers understand:
• payment comfort
• reserves after closing
• future flexibility
• refinancing opportunities
• long-term financial positioning

Anyone can quote a rate.
But creating a smart home buying strategy?
That’s completely different.

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

https://thetoplender.com/

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