YOUR MORTGAGE is a click away
267.393.1974our core values
Growth Mindset
Transparent
Above and Beyond
Process Driven
Compassionate
Humble
Integrity
Loyal
Nimble
Tim Micklada is an active duty Marine with 14 years of dedicated service, currently serving as a Junior Mortgage Loan Originator. Based in Temecula, CA, Tim works alongside Vilma Algarin, where he leverages his real estate license and recently acquired MLO credentials to provide comprehensive mortgage services. His journey into this field is fueled by a long-standing interest in real estate and a desire to help others achieve the pride and freedom associated with homeownership. Tim is particularly passionate about educating military members on the benefits of the VA loan, aiming to dispel misconceptions and provide valuable guidance to active duty and veteran clients. With a commendable service record that includes a combat deployment to Afghanistan, Tim brings a strong work ethic and unwavering commitment to his career in mortgage lending. His primary goal is to help families, especially fellow military members, become homeowners, providing the best possible service and support throughout the process. Driven by core values of honor, courage, and commitment, Tim is known for his honesty and transparency, ensuring clients are well-informed and comfortable with their financial decisions. As he prepares for retirement from the Marine Corps, Tim views the mortgage industry as another avenue to serve his community, inspired by his own experience of purchasing a home and his desire to provide a better quality of life for his family.
Here's how we do things
Apply Online
Pre-Approved
Search
to Processing
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
Here's how we do things
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
