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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 you 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.

Homebuyers naturally think in purchase prices.$700K feels very different from $750K.But your life happens in monthly cas...
10/15/2026

Homebuyers naturally think in purchase prices.

$700K feels very different from $750K.
But your life happens in monthly cash flow, not the number printed on the listing.

Before automatically ruling a property in or out based on price alone, understand what the difference actually does to:
• your monthly payment
• your cash needed at closing
• your loan structure
• your overall financial plan

Sometimes the difference is too much. Sometimes it’s manageable. The point is to know, not guess.

They sound almost identical.They’re not always the same thing.A pre-qualification can give you an initial picture based ...
10/12/2026

They sound almost identical.

They’re not always the same thing.

A pre-qualification can give you an initial picture based on the financial information provided.

A stronger pre-approval generally involves deeper verification of your finances and can give you and your real estate agent greater confidence before making an offer.

Before house hunting, ask your lender exactly what has been reviewed.

Because when you find the house, you want to know how strong your financing position actually is.

A mysterious noise upstairs? We can handle that.An unexplained $600 difference in the payment you expected? Now that’s s...
10/08/2026

A mysterious noise upstairs? We can handle that.

An unexplained $600 difference in the payment you expected? Now that’s scary.

Before you fall in love with a home, understand the financing behind it:
What’s the estimated payment?
How much cash will you need?
What loan options could fit?
What costs should you expect at closing?

Save the surprises for Halloween.
Not closing day.

Here’s how a lot of people start buying a home:Open Zillow.Choose a price range.Fall in love with houses.Then talk to a ...
10/05/2026

Here’s how a lot of people start buying a home:
Open Zillow.
Choose a price range.
Fall in love with houses.
Then talk to a lender.

Flip the order.

Before deciding what price range to browse, understand what different purchase prices actually mean for your monthly payment and cash needed to close.

Then build your search around numbers that make sense for your life. House hunting is a lot more fun when the math isn’t a surprise.

Buyers love comparing interest rates.But your rate doesn’t leave your checking account every month. Your payment does.Tw...
10/01/2026

Buyers love comparing interest rates.
But your rate doesn’t leave your checking account every month. Your payment does.

Two loan scenarios can look similar on paper and create very different monthly costs depending on the rate, loan amount, mortgage insurance, taxes, insurance, and structure.

So before deciding whether a home is “affordable,” look at the whole picture.

The better question isn’t:
“What rate can I get?”
It’s:
“What does this actually cost me every month?”

Fall is when a lot of buyers who got a quote earlier this year start comparing options again.Rates shift. Programs chang...
09/30/2026

Fall is when a lot of buyers who got a quote earlier this year start comparing options again.

Rates shift. Programs change. Circumstances change too.

A second opinion costs nothing and can reveal options you didn't know existed months ago.

Never assume the first answer you got is still the best one.

Somewhere back in January, you probably set a goal.Buy a home. Build savings. Improve credit.September is the natural ch...
09/26/2026

Somewhere back in January, you probably set a goal.

Buy a home. Build savings. Improve credit.

September is the natural checkpoint.

Not to judge how far you've come, but to decide what's realistically still possible before the year ends.

A quick conversation now can save months later.

As temperatures drop, so do a lot of summer expenses.Vacations. Outdoor entertaining. Travel.That freed-up cash is a cha...
09/24/2026

As temperatures drop, so do a lot of summer expenses.

Vacations. Outdoor entertaining. Travel.

That freed-up cash is a chance to redirect money toward a down payment fund without feeling like a sacrifice.

Sometimes the best savings strategy isn't cutting more.

It's redirecting what you were already spending.

There's a common belief that real estate slows down after Labor Day and doesn't pick back up until spring.That's not ent...
09/22/2026

There's a common belief that real estate slows down after Labor Day and doesn't pick back up until spring.

That's not entirely true.

Serious buyers and sellers are still active.

What actually slows down is casual browsing.

If you're serious, this is often when the smartest deals get made.

By September, the summer chaos is gone.Schedules are back to normal.That routine is exactly what makes it easier to stic...
09/21/2026

By September, the summer chaos is gone.

Schedules are back to normal.

That routine is exactly what makes it easier to stick to a savings plan or finally get pre-approved.

Motivation fades. Routine doesn't.

Use the structure while you have it.

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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