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Tim McGarry

Top Lender

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

Unlock $1,500 Towards Closing Costs

Get pre-qualified in just 30 seconds and claim your $1,500 closing cost credit when you finance with Top Lender.

Tim McGarry

File Icon Loan Originator | NMLS# 1248470

Mobile Icon 858-692-5539

From My Family to Yours

With over a decade of experience helping families and individuals find their perfect home, I bring both professional expertise and a personal touch to the process. I understand that buying a home is more than a transaction—it’s one of life’s biggest milestones. Whether you’re a first-time buyer or searching for your forever home, I’m committed to guiding you every step of the way with honesty, patience, and dedication.

My journey hasn’t been without challenges. After surviving a brain tumor and undergoing more than 17 surgeries—including having to relearn how to walk—I’ve gained a deep appreciation for resilience and perseverance. Now, as a husband and soon-to-be father living in beautiful San Diego, I’m more motivated than ever to help others achieve their dreams of homeownership.

When you work with me, you’re not just gaining an agent—you’re partnering with someone who truly understands the value of home, family, and determination.

See How We’ve Helped Families Like Yours

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“Tim went above and beyond to help us. We wouldn't have been able to get into our home without him!”

Ashley B – San Diego, CA
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“Tim was prompt and personable. I felt like he took the time to understand where I was at financially and wanted to learn my goals for the future. He offered great advice and helped build my confidence on my home-buying journey.”

Ginger L – Vista, CA
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“Tim is an amazing lender and did a fantastic job on the loan! He made the transaction happen with his knowledge of the interest rates, market, and timing! He's very pleasant to work with and overall a great person.”

Tiffany P – San Diego, CA

Who This Is For

This is for buyers who are employed, have some savings set aside, and are serious about making a move in the next 3-12 months. You don't need perfect credit, but you do need a foundation to work with. If that sounds like you, Tim can likely find you a path forward.

  • You have steady income or employment
  • You have some savings, even if it's just 3-5% for a down payment
  • Your credit score is 580 or higher
  • You're ready to stop renting and start building equity
  • You want to know your real numbers before you start house hunting

Why PrimeLending?

Since 1986, we’ve been a trusted mortgage lender, helping families nationwide achieve their dream of homeownership. With decades of experience and a dedicated team of loan officers, we guide you through every step of the process.

  • Over 35 years of proven mortgage expertise
  • National team of experienced, dedicated loan officers
  • Personalized support from application to closing
  • Guidance you can count on in today’s fast-paced real estate market
  • A trusted partner to help you confidently finance your home
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The Tim McGarry Difference

Get a clear picture of your financing options without slowing down your home search.

Here’s what you’ll get:

  • Loan costs, monthly payments, and cash-to-close estimates
  • Side-by-side comparisons to make confident decisions
  • Instant results after just 7–9 questions

And here’s what you won’t need:

  • No SSN. No credit check. No account required.

Plus, enjoy extra perks:

  • See your personalized payment estimate
  • Access first-time homebuyer programs
  • Get $1,500 toward closing costs