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Tim Higbee

Vice President of Mortgage Lending
636 Fourth St, San Francisco, CA 94107
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NMLS: 247065
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Tim Higbee was very good. If it was not for him this would have not gone thru. I don't know if anybody else would have been able to close this loan. My loan was a difficult one. The credit goes to Tim!

Rajkumari A. – San Jose, CA| Feb. 2015

As a first time buyer with a million questions and a ton of anxiety, I was hesitant that I'd be able to find a loan broker that could meet my expectations. But my friend assured me that Tim was knowledgeable and patient, and he was right. But more than that: Tim took the time to educate me and help my feel like an expert through the entire process. I've continued to use Tim over the last 10 years, with 2 refinances, and then as I grew out of my bachelor pad - he helped my growing family get...

Steve & Family, 10/28/13

Tim has helped me refinance several times and he is always professional, organized, and on the ball. He answers my questions thoroughly, even when the questions are kind of dumb. The finance process can be intimidating and I like having Tim on my side making sure everything gets done correctly and at the best possible rates. I highly recommend Tim Higbee!

Philip H., 10/28/13

Thanks Tim - for making it so easy!!!

Debbie J., 10/28/13

We have tried using other brokers, and I always felt like I was being sold into a mortgage deal that wasn't right for us long term. Tim was honestly concerned for our best interest, and was instrumental in our peace of mind while we were going through the process. He is dedicated, honest and very forthcoming with his tenured insight. He always educated us without being condescending. I recommend Tim to everyone who asks me about refinancing, or buying a new home. If I had to choose...

David McMorran, Owner of AND Design + Construction

Tim did an amazing job for us, when we were buying a home earlier this year. He was always available for us, always patient, encouraging, and professional. We highly recommend Tim!

Bonnie & Graham B., 10/28/13

Tim is the best mortgage broker I've ever had. He secured us with the best product for our needs, and didn't bog us down with unnecessary details. As we worked together, I was contacted by other mortgage brokers looking for my business. I told them what Tim was able to arrange for us and each one told me, "I can't beat that, stick with whomever you've got". 'nuff said!

Day, 10/28/13

Tim makes the impossible - possible. During the times mortgage upheaval, uncertain procedures, Tim steers a steady course and procures the best terms for his clients. I myself am a repeat client have referred several satisfied friends to Tim.

Bryta, 10/28/13

Tim has been instrumental in refinancing my home of 20 years three times and each time, he handled it well. We had very few issues to deal with and he always answered all of my questions professionally and in a manner that I could easily understand.

Diana R., 10/29/13

Tim is a very professional and effective agent to work with. Throughout the process, it's always clear he is on your side and will do anything to help you. He is extremely organized and always communicate promptly if any specific needs or information arise. You can be confidant that from day 1 to the day you close, everything will have been done accurately and on time. He also happens to be friendly, engaging and a wonderful person to work with.

Magali F., 10/29/13

I was referred to Tim Higbee by friends who had worked with him to finance their initial home purchase in 2008 and several refinancing’s since then. As a first time home buyer, I was thrilled to have Tim really take the time to discuss the overall process and explore some potential solutions to specific questions in my case. In this tough fast-moving market, Tim never missed the mark in sending pre-approval letters on a timely basis as part of the offer process. My broker in Marin, who had not...

Lindsey O., 11/1/13

Tim has helped me through ten mortgage transactions over the years, and he has consistently been one of the most responsive, professional people I've ever worked with. In two of those transactions I happened to talk with other mortgage brokers who suggested that what Tim was promising was too good to be true, that it must be a bait-and-switch, etc., but Tim has always come through with the terms and timelines promised. And on top of that, Tim is actually fun to work with, and mixes a great...

Thomas F., 11/6/13

Tim Higbee helped us with two refi’s on our 1903 Edwardian in San Francisco. Both were handled professionally, thoughtfully, and with good cheer. Tim Higbee and his staff had gotten us just the loan we wanted at a better rate than we dreamed of, with less out-of-pocket costs than we could have imagined. I referred him to my daughter and her husband in Aptos and they too received the same kind of excellent, cost effective service we did. I tend to be fairly critical of most businesses. But I can...

Thomas P., 11/7/13

I bought a home in 2012 and Tim got me a loan for my home. He did an excellent job. He was very efficient and methodical. After that I went to him for my refinance and he gave me the same professional service. I would definite recommend him to all my friends .

Rajkumari A., Investor - 11/14/13

1. He is available and responsive to phone calls & emails. 2. He regularly under-promises and over-delivers by setting realistic expectations for his clients and then doing the best job he can for them - usually a better interest rate or loan product than he originally quotes. 3. He is great at educating clients on different products walking the client through the entire escrow process if needed. 4. He will be there for his clients after close of escrow - just because he closes a deal...

Mara K., Realtor - 11/20/13

As a Realtor who has been in the business for over a dozen years, I can tell you that mortgage brokers like Tim Higbee are few and far between. It is with much appreciation for having worked with Tim on many transactions that I can enthusiastically recommend his services to anyone looking for a hardworking, thorough, and diligent mortgage broker.

Mara K., Realtor - 11/20/13

As I have given this advice to friends, colleagues, and well, anyone who would care to lend an ear: you would be insane to not work with Tim. When they talk about funding your dreams, it's no joke! Before you cross anything off your list as an impossibility, pick up the phone or email this wizard. Be honest and forthcoming, come with a great sense of humor and explain your plans and desires clearly (no matter how ridiculous)... I think that you'll be amazed at the magic he wields. You're...

Ankarino Lara, Founder & CPO - Thismoment, Inc.

Tim Higbee... where to begin? My wife and I have been working with Tim back close to the turn of the century, when he so expertly assisted us in purchasing our first property, a condo in the Castro, San Francisco. At the time, I figured we didn't stand a chance! 2003-2004 was time of extreme real estate craziness in the bay area, with seasoned buyers routinely overbidding and boxing out first-home purchasers. Tim was patient, creative, and just incredible to work with, and somehow managed to...

Ankarino Lara, Founder & CPO at Thismoment, Inc.

About Tim

Thirty years of customer focus underlies Tim Higbee’s work experiences in business ownership, client management, and strategic planning. Now he finds himself at the perfect intersection of his passions, having spent the past twelve years working directly with clients in real estate finance. Tim’s undergraduate degrees in Communications, Economics and Psychology prepared him for this dream job, teaching him to effectively discuss customer needs, craft realistic financial plans, and be aware of the formidable life changes that often accompany real estate planning. Finding the best path to each customer’s ideal future is Tim’s pride and firm priority.

A Bay Area native, a graduate of University of California, San Diego, and a long-time San Francisco resident, Tim knows the ins and outs and quirks and perks of our fair state. He’s cycled between SF and LA three times for the California AIDS ride, and, in a former life, he was a mover and shaker in the city’s art scene.


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