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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

06/03/2026

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.

05/28/2026

🏠 Think you need 20% down to buy a home? Think again! 🏠

Many people believe they have to save a massive down payment before they can even start looking, but that is simply not true. There are several paths to homeownership that allow you to get started with as little as 3% down or sometimes even less!

Whether it’s through first-time buyer programs, down payment assistance, or FHA loans, there are more ways to own a home than you might realize. My job is to help you find the specific program that fits your unique life and financial goals.

Stop waiting and start moving. You might be much closer to owning your dream home than you think!

📩 Message me today to find the right path for you!
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05/24/2026

I became a loan originator because I believe everyone deserves a fair shot at owning a home. Not just people with perfect credit and a 20% down payment sitting in savings. Everyone. I've worked with teachers, nurses, first responders, young couples, single parents and everyone in between. Some of them had great credit and still didn't know what they qualified for. Some of them had challenges and we found a path anyway. What I bring to every single client is honesty, patience, and a commitment to finding the best deal available to them. Not the easiest one for me to close. The best one for them. If you're thinking about buying in San Diego this spring, I'd love to be the person in your corner.

05/21/2026

Are you ready to find the home loan you actually deserve? Buying a home is likely the biggest financial decision of your life, and you shouldn't settle for just any loan. While many lenders are happy to just get you approved and call it a day, I am committed to finding the right option specifically for you. There is a big difference between just getting a loan and securing the deal that fits your needs.

I will personally review every program, every rate, and every option available to ensure you get the best possible outcome. You deserve to have someone in your corner who takes your home purchase as seriously as you do. Let’s work together to make your home-buying dreams a reality with a plan that truly works for your future.
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05/18/2026

Renting in San Diego is not cheap. The average rent in the county is pushing $2,800 a month for a two bedroom. A lot of people are paying that and assuming they just can't afford to buy. But here's what I want you to know. In a lot of cases, your monthly mortgage payment on a comparable home could be close to what you're already paying in rent. Sometimes less depending on the program and your situation. I'm not here to oversell you on something that doesn't make sense for your life. But I am here to show you the real numbers so you can make an informed decision. You might be building someone else's equity right now when you could be building your own. Let's find out together.

05/15/2026

The San Diego spring market is moving and it is not slowing down. Inventory is still tight, buyer demand is high, and the homes that are priced right are getting multiple offers fast. I'm not saying this to create panic. I'm saying it because the buyers who are prepared are the ones winning right now. Being prepared means knowing your budget before you fall in love with a house. It means having your pre-approval ready so when the right home hits the market you can move the same day. It means having a loan officer who picks up the phone. If you've been thinking about buying this year, the window to get ahead of the summer rush is right now. Let's get you ready.

05/12/2026

Here are 3 things nobody tells first-time buyers in San Diego until it's too late.

Number one -- getting pre-qualified and pre-approved are not the same thing. Pre-qualified is a starting point. Pre-approved is what actually gets your offer taken seriously in a competitive market.

Number two -- your interest rate is not set in stone the moment you apply. Timing, loan type, and your financial profile all affect what you end up with. That's why having someone in your corner who knows how to work those variables matters.

Number three -- there are closing cost assistance programs available right now that most buyers never hear about because their lender never brought it up.

I bring all of this to the table before you ever make an offer. That's the difference.

05/11/2026

Happy Mothers Day to my best friend and the best Mom in the world!

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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