Had a great experience with Tim as I bought my first home that I would be living in. Tim throughout the process was extremely professional and knowledgeable. The thing that makes him so amazing is the fact that I know that I can trust him and he has my best interest in mind. I would highly recommend to anyone going through the process of purchasing a home. read more

Working with Tim Talsma was an outstanding and successful experience. From the very beginning, he approached my complex situation with professionalism, kindness, and an incredible sense of calm under pressure. We were navigating tight timelines and, for me, high-stakes requirements, and Tim brought me to close on a loan that fits my unusual and specific situation perfectly. What truly sets Tim apart, however, was the empathy he brought to the process. No question was too small, no concern too trivial--he was always available, patient, and reassuring. He game me confidence even during the most stressful moments. It felt like I had a true advocate in my corner. If you're looking for a mortgage broker who delivers results with integrity and a human touch, I cannot recommend Tim Talsma highly enough. I am deeply grateful to him and want everyone I care about to work with Tim when they need a home loan. read more

It was an absolute pleasure working with Tim to secure our home loan. As first time buyers there was a lot to learn, digest and understand. He explained every step thoroughly and was always happy to answer our questions. When it came time to placing an offer he would call and introduce himself to the sellers realtor and confirm we were sound buyers. I should also mention, we started looking to buy before covid, and only just bought mid 2025 - he was with us the entire time. Tim is an absolute professional - we would not hesitate in recommending him. read more

Tim helped me secure a loan for a house I purchased recently. He was professional, insightful, knowledgeable and went out of his way to help me understand everything I needed to know about the process. Tim was able to help me crunch the numbers and get me to a point where I felt confident that I could buy a house. The loan process itself was painless, but Tim was always available to answer any questions I had or to point out any gotchas or things to look out for. Highly recommended if you're getting into the housing market or looking for any kind of advice on home loans. read more

It was a pleasure working with Tim. From the beginning of my home search Tim was able to give me a good idea of how the home buying process worked and broke down the details of what I qualified for. He was very responsive if I had questions and made the process very easy for me. read more

Buying a house can be stressful, buying a house in San Diego in this market is wild. Tim made this process completely painless by being so attentive, keeping things simple and communicating clearly. He instantly called me back and responded promptly to every message. I can't imagine ever working with anyone else. read more

Tim was such a pleasure to work with. Very responsive, personable and considerate of your needs. He takes the time to fully understand your situation and guide you through the process. I would highly recommend Tim for any lending needs as he will make great specific recommendations based off of the conversation you have with him and communicate well, in a timely manner, throughout your entire process. read more

My wife and I bought our first home in February 2019. As first time homebuyers, we were obviously pretty intimidated trying to traverse the landscape of the San Diego home market... Enter Tim Talsma. Tim worked with us (very patiently!) over the course of roughly 7 months. Naturally, we had a ton of questions - many likely annoying - but Tim never made us feel like we were wasting his time. He even picked up the phone and helped us through some questions late at night beyond business hours. I look at this as the mark of someone who truly wants to help his clients. Once the process of getting the loan started, Tim went above and beyond in ensuring we received the best interest rate possible. He also gave us plenty of heads up when important deadlines were arriving, that way we were as prepared as possible. I cannot recommend Tim enough, and we will be contacting him again when we need to either refinance or apply for a new home loan in the future. read more

Working with Tim Talsma and One Trust was painless. Tim's customer service is wonderful and his industry knowledge was an asset during the home buying process. He took the time to guide me through every step and answered all my questions, he made buying a home for the first time extremely easy. I'll definitely be recommending Tim and One Trust to my family and friends. They're honest, upfront, compassionate, and knowledgeable. I couldn't have asked for a better experience. Thank you Tim! We love our casita and look forward to all our new memories. read more

Tim and the whole team at One Trust were awesome! They were quick to respond, very knowledgeable and always there if I had questions or concerns. They made the process simple and straightforward which I really appreciated. Would highly recommend. read more

Tim was patient, thorough, communicative, and got me a great rate. He made this process so easy and answered all my questions in a very timely manner. I have zero complaints! read more

Tim never kept us guessing. He did such a good job about keeping us informed at all times and checking up with us constantly. Always willing to answer any questions we had. Appreciated the fact that he was so easy to get a hold of . Thank you so much Tim. read more

Tim and his team were such a pleasure to work with. My boyfriend and I were purchasing our first home - and as first time home buyers - we had a lot of questions. Tim went out of his way to ensure we had all questions answered in a very timely manner. Additionally, he gave us an excellent rate! Tim has a great relationship with our relator and the two of them made our first escrow process very smooth! If you are looking for a top notch, quality, and communicative mortgage lender - Tim Talsma and his team are the best choice! My boyfriend and I are already thinking about purchasing an investment property over the next few years and we will be calling Tim - for sure! read more

Tim is my preferred lender whom I suggest to any client wanting to purchase or re-finance their home in San Diego. What I like most about his service is his attention to detail without losing his friendly approachability. When we're not focused on a particular loan, as an agent, I rely on Tim in between transactions as we work toward helping our next client. He's always been there for me. I consider that a sign of genuine professional and someone I care to work with and refer to others. Competitive rates and closing times matter of course, but not more than the person providing the service! read more

Tim is super helpful, patient, and easy to communicate with. As a first time home buyer, I was unsure of a lot of things but Tim really helped clarify the process for me. I'd highly recommend him to anyone! read more

Tim has been great to work with from start to finish. He always makes sure I am well informed every step of the way and never leaves any questions unanswered. Thank you, Tim, for your hard work and dedication! read more

When it was time for me to buy my first home, I turned to a friend who is a realtor. The first person he introduced me to was Tim Talsma and he was awesome. Being a first-time home buyer, I was a little scared and had hundreds of questions. Tim was very patient with me, made himself available, eased my mind, and explained things in a way that I could understand. He was so knowledgeable and trustworthy - I knew that I was in good hands. He stuck with me to the end and was able to get me a great rate on a loan. I highly recommend Tim Talsma to friends, family, and strangers! read more

Tim met and exceeded all of our expectations when it came to the lending part of our home buying process! We initially were in contact with two lenders and ultimately chose Tim not just for the interest rates, but more so for the ease of working with him. He is very knowledgeable and is never trying to "sell" you on anything. He genuinely wants you to have the best mortgage process and is always straight forward and honest with every question and concern. We had a drawn out escrow related to the buyers of our former home, but Tim and his team made sure to set us up for success to close quickly on our new home. We will definitely be utilizing Tim's expert services next time we buy a home and highly recommend him to anyone looking for an excellent lender! read more

Such a great guy! My husband and I just closed on our first home in San Diego! We went with Matt and at One Trust Home and his team (Tim) :) After we found our home and started Escrow, we were introduced to Tim! He helped us through the Escrow process all the way to closing!! He was so friendly and knowledgeable!! In Escrow, you have so many people coming at you with items needed to finish your loan. Tim always was on top of all items that were needed from us and we were always ahead of each deadline!! Any question I had, I knew I could call, text or email Tim. He would respond right away and always have the best answer or solution for me. Definitely go with Matt and Tim at One Trust!! read more

We purchased our home back in August and were having some issues because it was a model home in a new development. Tim and PNC were able to navigate all the issues, hit all the deadlines for a 30 day close, provide the best interest rate we found anywhere, keep the builder's team happy and provide a great experience for our home purchase. On top of all of that, Tim was knowledgeable, personable, professional and timely in all of his communications. We really couldn't ask for more and highly recommend his team for your mortgage needs. read more

We just closed a 20 days escrow and can't be more happy with the process working with Tim and Matt at OneTrust Home Loans. They were very responsive and communicative during the process. Always available to answer our questions. we really appreciate that and it was awesome working with them. We highly recommend them. read more

Starting with my first home purchase in 1996, over the years I have worked with many lenders, both independent and bank affiliated. I can unconditionally vouch for Tim being the very best. He refinanced our primary residence mortgage and got our financing for a second home purchase. Both were closed within a month from the loan application date. Tim and his team (Justin and Patti) were on top of everything and made the whole process seamless. They would keep us in the loop and give an update every other day or so that minimized the anxiety that we have typically encountered in the past in similar situations. read more

Tim was extremely easy to work with. Every hurdle that we continued to come across Tim continued to find a solution. He also kept me informed. Great person to work with and I definitely recommend him! read more

Tim made the process very easy for us and promptly answered all of our questions. There were no surprises which was nice since it was our first home purchase. Highly recommended! read more

Tim will be there for you from beginning to end. He is very informative and will guide you throughout the whole process. He is very quick to respond if you have any questions. read more

Tim went above and beyond to make sure every detail was attended to and that I was aware of exactly what was needed to close in 25 days. I highly recommend him! read more

I highly recommend Tim as a mortgage lender. He is highly efficient, professional, courteous, always on top of things. Tim is a pleasure to work with. Thank you for a great transaction! read more

Starting with my first home purchase in 1996, over the years I have worked with many lenders, both independent and bank affiliated. I can unconditionally vouch for Tim being the very best. He refinanced our primary residence mortgage and got our financing for a second home purchase. Both were closed within a month from the loan application date. Tim and his team (Justin and Patti) were on top of everything and made the whole process seamless. They would keep us in the loop and give an update every other day or so that minimized the anxiety that we have typically encountered in the past in similar situations. read more

As first time homebuyers we have A LOT of questions and were really nervous about the process. We also had a quick 21 day escrow, which didn't help with the anxiety of it all. We are so luck to have had Tims support through the whole process. He was easy to communicate with, prompt in his responses, and just a really nice human-being. He really made this process as smooth as it could have gone for us. The part where we really just realized he was the one we wanted to work with, was a few months before we actually were ready to buy, where he spent time on the phone with us educating us on the entire process and going over rough numbers to help us understand what we needed to do. We love Tim and would work with him again in a heartbeat! read more

Tim was excellent to work with. I was especially nervous as a first time home buyer but Tim's dedication, professionalism and the website tools he utilizes made the process as smooth as possible. read more

We were first time homebuyers and luckily were recommended to Tim through our Realtor. When I say lucky, I mean lucky because we had a really great experience and I am not sure we would have been able to secure our house without Tim and his team. We got countered for 25 days to close, yep 25 days! We had some bumps along the way due to the seller and Tim kept us on track with his optimistic, but realistic attitude and guidance. A couple things we really liked about him besides his professionalism was how quick we were approved and got funded and how he would go at whatever pace you needed him to go at. So, for example I am writing this review from my new house and still haven't heard back from other lenders yet. If you needed a more detailed explanation, he would give it, but if you were good, he would move right along. All and all I can't say enough about how our process went. I would like to close with a small disclosure about the closing costs: they will be a little higher than most places. That being said, they are 100% worth it when you can be assured you will have your loan funded in a timely manner by a great originator. Remember that Tim has no skin in the game and simply gets a flat fee to help you get the best deal you can get. read more

Closed on my home in less than three weeks working with Tim & Matt. They answered almost all of my phone calls and the few they missed they called me back immediately. They explained everything from start to finish and were great to work with. Thanks Tim! Will definitely seek you out again when I'm looking to buy another home. read more

My fiancé and I are now first time homeowners. I don't know how many times Tim picked up the phone or responded to my texts and emails during the stressful home buying time for us, but it was a lot. First, I would like to say sorry for blowing up your phone so much, but more importantly thank you so much for being there for us. You made the process so much easier. We are happy to have been referred to you by our realtor and we now know why we were. Tim is truly a class act and straight shooter. We all know you got paid to work on our loan, but you seemed to care so much more than that. It is truly a great feeling to work with someone and get the feeling that they are on your side. Again, thank you Tim for all your help. We hope in the future to do business again. read more

Tim was a giant help to my husband and I as first time home buyers. When most of the lenders we spoke with were trying to cover up details with confusing interest rates, Tim was honest and up front. He was completely transparent and willing to go the extra mile to make the home buying process as smooth as possible. read more

Tim was fantastic throughout the process. He took all the time needed to explain everything and answer any questions. Although I have experience in the lending industry, Tim was so very valuable. Tim was able to provide a fantastic rate and program and close within 22 days. read more

Tim was so great to work with. We were first time home buyers and were in a unique situation where we had to go through a VA approval process prior to purchasing the home. Tim guided us through the home buying process with ease. During the process Tim was so helpful providing us cost breakdowns with VA loan and conventional loans. Whenever we had question or needed clarification Tim would call and explain everything. He definitely goes the extra mile and is honest and upfront with everything. I would recommend Tim in a heartbeat to anyone going through the home buying experience. read more

Tim was amazing. He was recommended by my real estate agent and I am so glad that happened. Tim was available at any time of the day to provide information needed for our offers. I had offers on multiple places over a period of two months before we were under contract. He was available every time I had a questions through the closing process. He has exceptional communication skills. He was patient with the many offers and changes. He was consistent in his attention to details and my frequent questions. I would highly recommend Tim. If I had to rate him out of 10 I would give him a 15. Even after the transaction he has kept in touch to ensure everything has been going smoothly read more

Tim was fantastic through my entire first home buying experience. He explained everything clearly and simple so I was able to truly understand what all the calculations/numbers meant. He was patient with me and went above and beyond to make sure all the steps in the lending process went as smoothly as possible. Even when challenges arose, Tim was on top of it all to correct my errors and also keep me calm during it all. If you want to ensure yourself a calm, minimal stress buying process, I would highly recommend using Tim! read more

I recently co-signed a mortgage with my daughter, who was buying a house on the west coast, while I am on the east coast. Tim was very helpful and patient as I was trying to pull all the necessary documents together. When I had difficulty sending tax returns that were password protected, he offered to contact my accountant to facilitate the transaction. Things went very smoothly after that. I emailed Tim once on the weekend, not expecting to hear back from him until Monday, but he surprised me by being available. Tim definitely went the extra mile, and I would recommend him without reservation. read more

We are so glad we chose to work with Tim for our mortgage needs while looking to buy our house. He was so helpful every step of the way. He gave us a detailed calculation of every down payment/total loan scenario we came up with (there were several) while we were still looking for a house and kept us updated on everything that was going on after we found one. Having someone work for you during this process makes such a difference! We would 100% recommend working with Tim read more