Tim Fiero at Guaranteed Rate - NMLS ID #681631

Directions Website

Tim Fiero at Guaranteed Rate - NMLS ID #681631 I am a VP of Mortgage Lending at Guaranteed Rate. Personal NMLS # 681631. Guaranteed Rate #2611. A mortgage company who grows for good.

We believe you’re amazing and can do anything you want in the world. Believe you can and you will. For licensing information, go to www.nmlsconsumeraccess.org | www.rate.com/licensing

Guaranteed Rate, Inc. makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the information, products, services, or related graphics contained in/on this website for any purpose and will not be liable for any loss or damage (direct, indirect or consequential) arising from the use of the same. Any reliance you place on such information is strictly at your own risk. The thoughts, opinions and/or views expressed herein are the sole responsibility and product of their respective author(s). https://www.guaranteedrate.com/disclaimer.php, https://www.guaranteedrate.com/licensing.php.

11/02/2026

Your future home can start with one folder.

Organizing documents, such as income, assets, employment and current housing information before you apply could make mortgage prep feel a lot more manageable.

Start with one category today, then keep building from there. If you have questions, I’m happy to help you understand exactly what may be needed when you’re ready to take the leap toward homeownership. Save this post. Future you will be glad you did.
https://myoc.io/8HBrf/4hVPJ



NMLS # 681631

11/02/2026

Buying a home in San Diego comes with a lot of questions. And the answers aren’t always as straightforward as you’d think.

From understanding your financing options to knowing what actually makes sense for your budget, good information can make all the difference.

My goal is simple: give you the clarity, guidance, and perspective you need to make informed decisions. No unnecessary pressure. No one-size-fits-all advice.

Because buying a home isn’t just about where you want to live. It’s about making a financial decision that works for you today and years down the road.

Have questions about buying in San Diego? Let’s talk.

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the ave...
10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/8HBrf/jS4ZG



NMLS # 681631

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meet...
10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/8HBrf/JPXcC



NMLS # 681631

10/28/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/8HBrf



NMLS # 681631

10/27/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/8HBrf/samZ1



NMLS # 681631

10/26/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/8HBrf/CQWXT



NMLS # 681631

10/23/2026

Older buyers may have more options than they realize.

For real estate agents, understanding how a reverse mortgage can be used as part of a purchase strategy can open the door to conversations that go far beyond the traditional cash-or-conventional decision.

For the right client, it may mean preserving more liquidity, creating greater flexibility, or making a move that initially felt out of reach.

The opportunity for agents is to recognize when the conversation is worth having—and bring in the right lending partner early.

Sometimes the most valuable thing you can offer a client is another way to look at what’s possible.

10/22/2026

Did you get this riddle right? While the answer gets a lot of attention, it’s only one piece of the larger mortgage puzzle. Discover the other numbers and details worth considering in our guide, or speak with me to better understand the big picture.
https://myoc.io/8HBrf/N3dBU



NMLS # 681631

10/21/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/8HBrf/OZRez



NMLS # 681631

Address

2020 Camino Del Rio North
San Diego, CA
92108

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm
Saturday 9am - 1pm
Sunday 9am - 1pm

Website

Alerts

Be the first to know and let us send you an email when Tim Fiero at Guaranteed Rate - NMLS ID #681631 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Sponsored

Share

Category

Nearby finance companies

Other Mortgage Brokers in San Diego

Show All