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A mortgage with Tim is easy

Meet Tim Kalhorn

Tim has been in the business of helping people realize their dreams in housing for over twenty years. Originally from Omaha, he has lived in the Seattle area since 1987. His favorite activity outside of work is spending time exploring our area and the country in his RV with his wife Jana.

Tim follows one rule in mortgage lending “people before profits”. His expertise in lending allows him to advise clients with one goal in mind, to help people better their financial lives and own a home.

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Office: (425) 582-2420
Cell: (425) 760-9942
Fax: (425) 582-2484

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3400 188th St SW, Suite 101
Lynnwood, WA 98037


Sr. Loan Officer
NMLS: 121878
Licensed in: Washington State

  • “Tim helped me not only buy my first home, but also later, refinance my loan. He was always available for me to speak with, no matter the time of night. He worked around my work schedule, which was a relief. Even coming to my work when my lunch break was my only time available. Very knowledgeable and a wonderful person.”
    Michelle M.
  • “I was buying an expansive new construction townhome project on Seattle Eastside. Builder's preferred Lender, a well known company couldn't secure a conventional financing as I learned later they've been neglect and did a mistake in my file, the whole purchase was in jeopardy with huge $40K non-refundable deposit & upgrade fees I already paid. The small complex had no chance to be approved with FHA as it takes a few months and Builder actually put all other units under contract. I contacted Tim Kalhorn referred to be by my friend. Right away Tim identified what went wrong, he thoroughly reviewed my credit report and found reporting mistake that was easily corrected within 24 hours. Tell the truth I had all other stuff in my credit as I had a small construction company in downturn time, but Tim professionally managed to go thru all the obstacles and secure conventional financing with good terms for my credit rating. Thank you so much Tim for your exceptional knowledge and expertise! I hope you will be my mortgage broker for life.”
    anutada from Zillow
  • “We were new in the area and Tim was amazing with the amount of support and knowledge of the area and business/loan side of purchasing a home. We had a fairly new real estate agent at the time and Tim was able to fill in the gaps that our realtor was not versed in. Very pleasant and comfortable to do business with. Thanks Tim. Would highly recommend!!!”
    summerba from Zillow
  • “Tim has been our go-to person for both our original mortgage as well as last year's refinance. He's extremely professional and responsive, and takes away all the headaches associated with navigating the mountains of paperwork needed for these financial operations. He's great at explaining the rules and presenting viable options. Tim's also been a great help recently in helping us file our tax returns properly, accounting for the refinance and subsequent loan transfer from one bank to another. He puts our minds at ease, and we'd be happy to recommend him to anyone looking for a home loan professional.”
    timoha from Zillow
  • “We liked that Tim's been giving us detailed info on each step of the loan process. The mortgage rate was frozen right in time, so we got the best available. Overall pleasant communication tone ).”
    Evgeniy K.