About Me

Tim Formica

As a licensed mortgage originator, I work hand-in-hand with homebuyers and homeowners to explore and secure or refinance loans that suit their needs. Guiding and advising my clients every step of the way, from application to closing, I help them strategically plan a financially sound mortgage aligned to their long-term goals.
Whether you’re looking to buy your first home, purchase a new vacation home, secure a property investment, or restructure your mortgage, I have the experience, expertise, and personal touch to bring it all together.

With over 20 years experience in the California real estate market, I’ve developed an invaluable network of competitive lenders to help you find the best possible mortgage for your financial situation. My team and I serve the entire state of California, helping my clients understand their full range of options before they sign.

Equal Housing Opportunity Lender Better Business Bureau A+ Rating Fannie Mae Preferred Lender Freddie Mac Preferred Lender Department of Veteran Affairs Lender Federal Housing Authority Approved Lending Insitution

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