Tim Tomkowiak

Tim Tomkowiak 🔥Helping First-Time-Homebuyers Get Their Dream Home Without Any Stress or Being Overwhelmed🏠 Hey its Tim, father and license loan officer.

My goal is to make the home buying process simple. I focus on building long terms relationships. Consulting, educating and empowering my clients.

04/13/2026

One of the biggest hurdles to buying a home is the cash to close—that combination of a down payment and closing costs that can feel like a mountain to climb. But there’s a strategy you might not have considered yet!
Did you know you’re often allowed to request a hardship withdrawal from your 401(k) to fund a home purchase?
While retirement is important, investing in a home is an investment in your family’s future and long-term stability. It’s about building equity in an asset you can actually live in!
Ready to see what you qualify for? Whether you're just starting to save or you're ready to get pre-approved, I’m here to guide you every step of the way.
DM me today or click the link in my bio to get started!

04/08/2026

Buying a home is one of the biggest financial decisions you’ll ever make, and navigating the process can feel overwhelming. In this video, we discuss why information is power when it comes to real estate. Many potential buyers wait for the "perfect time" or rely on conflicting advice from social media, often unaware that they might already be ready to start their homeownership journey. Contact me today to discuss your options and start your path to homeownership!

04/06/2026

Many home buyers focus solely on finding the lowest interest rate, but there's a secret ingredient to a successful home purchase: Lender Availability. In a competitive market, things move fast. If a listing agent calls your lender on a Saturday afternoon for a "highest and best" offer, and your lender doesn't pick up, you could lose out on your dream home. You need a partner who answers the phone, confirms your qualifications to the seller, and goes the extra mile—whether that’s meeting in person or coordinating with the title company—to ensure your offer is credible.
Don't settle for a call center or a cookie-cutter experience. Choose a lender who is as committed to your home-buying journey as you are.
Contact me today for a verified pre-approval and let's get you into your new home!

Happy Resurrection Sunday!
04/05/2026

Happy Resurrection Sunday!

Happy birthday to my wife 🎉🎁
03/22/2026

Happy birthday to my wife 🎉🎁

CONGRATULATIONS to my client- First time Home Buyer. My client was tired of renting.If you’re looking to buy a home in M...
03/03/2026

CONGRATULATIONS to my client- First time Home Buyer. My client was tired of renting.
If you’re looking to buy a home in Metro Detroit Area and receive the best customer service and close quickly. Contact me today 425-671-0854.
If you’re looking a buy or sale a home contact Dawn Clark at 972-679-0085. Dawn and the Perna Team is one of the best real estate offices and you will be in good hands.

My mom is substituting teaching for our son Andrew. Thanks Mom I love you 💕
03/02/2026

My mom is substituting teaching for our son Andrew. Thanks Mom I love you 💕

02/16/2026

One of the first steps in the home buying process is getting pre-approved. This involved the mortgage loan application. I am available every step of the way to answer your questions and walk you through the process. Contact me today and begin your home search 🏡

Let's be honest buying a home is challenging. It requires credit, income, and assets, and there are many moving parts al...
01/15/2026

Let's be honest buying a home is challenging. It requires credit, income, and assets, and there are many moving parts along the way. While some loans close quickly, others may face a few hiccups.

I do my utmost to provide the best experience for my clients, the realtor, and all parties involved. This commitment is reflected in the feedback I receive, which further fuels my passion for what I do.

I love helping clients navigate the home buying process, and I aim to make it
as smooth as possible for everyone involved!

Had a great time at SeaWorld!
12/25/2025

Had a great time at SeaWorld!

Family vacation ✈️
12/14/2025

Family vacation ✈️

Address

901 Tower Drive
Troy, MI
48098

Telephone

+12482597965

Website

https://fha.pre.approval.tim-tom-mortgage-team.com/survey

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