About Tim Taylor

Mortgage Loan Originator in Santa Barbara, California
Tim Taylor joined the mortgage industry in 1993, after graduating from CSU Chico with a degree in Business Administration and an emphasis in marketing. He became a Mortgage Loan Originator because he enjoyed the business dynamics of the mortgage industry.
Tim was named “Rookie of the Year” in his first year in the mortgage business and has received many awards since then. He joined Prospect Mortgage in 2002, where he was named a “Diamond Mortgage Loan Originator” ― one of the top 30 Mortgage Loan Originators in the company ― every year since the ranking system began. Tim has also been named one of the Top 200 Mortgage Originators in America* ― many times Top 100 ― since Mortgage Executive Magazine began their loan volume ranking.
Tim’s family has been in Santa Barbara for six generations, and he is very involved with his local community. He was El Presidente (2008) of Old Spanish Days Inc. and remains on the board today. He is also on the board for The Music Academy of the West and the Santa Barbara Community Housing Co. Tim helps to set the direction and policies for these organizations to assist in enhancing his local community.
He married his wife Perrin in 2006 at the Santa Barbara Old Mission ― the same place that his great-great-great grandparents were married in 1836. He and his wife had their son, Beau, in 2012 and since then, parenting has been his main hobby.
Tim also enjoys playing golf, basketball and bocce ball, as well as watching his favorite sports teams: The Rams and Los Angeles Dodgers.
He likes being a Mortgage Loan Originator because every day is a different challenge, and he gets to help people attain the home that means so much to them, whether it’s a first home or dream home. He also gets satisfaction helping homeowners refinance to save money for their family’s needs.
He sets himself apart by building trust early-on with clients and Real Estate Agents. He has their best interest at heart, and he makes that very clear.
Tim describes the Taylor Team as a well-seasoned and talented group of individuals that share the same core values in wanting to provide the best service and quality options to clients.
Tim and his team are happy to assist with a variety of home loan products including: first-time buyer programs, second-home lending, refinances, FHA and VA, Conventional, 203(k), renovation and jumbo loans.

Contact Tim Taylor Anytime

Feel free to contact Tim anytime by phone or email for personalized service and expert advice. Tim Taylor will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Tim Taylor is 203(k) Renovation Lending Certified

Tim is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Tim Taylor values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Tim by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
Top200
Mortgage Loan Originator in AmericaMortgage Executive Magazine 2016
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

    Trustpilot
Traci H. June 2018
“They were very fast putting the loan together.”
Michael R. June 2018
“Tim Taylor has done a number of loans for my family and has been very helpful throughout the process.”
Donnie G. May 2018
“Excellent customer service! I was always kept informed of the status.”
Donald C. March 2018
“Excellent service and knowledgeable.”
Jennifer C. March 2018
“Supportive, helpful and excellent advice.”
Juan R. November 2017
“Previous experience, great service.”
Kathryn B. November 2017
“Great service.”
David V. November 2017
“Professional service with knowledgeable and attentive staff. Extremely responsive to questions.”
Hunmi P. October 2017
“Knowledgeable and timely.”
Thomas G. October 2017
“The process was very easy. Electronic signature site was not complicated.”
Marlene C. Upland, CA
“Will Blackman'”
Kevin S. Goleta, CA
“Willy is a Pro. His follow through and insight make him a pleasure to work with!”
Maryann E. Santa Barbara, CA
“Willy made the entire transaction as easy as possible. I couldn'”
Daniel L. Solvang, CA
“Willy was great at every step.”
Jennifer V. Santa Barbara, CA
“Tim Taylor locked us into a great rate and his office provided us with excellent service. They were able to give us multiple Pre-Qual letters on short notice for the several houses that we submitted offers for. I would use them again and recommend them to anyone needing a loan or refinance. Tim Taylor and Morgan did a great job. I can'”
Andrea H. Santa Barbara, CA
“Tim and team got me through the escrow process - unscathed! They held my hand (figuratively) through the entire 30 days and made sure I understood everything I was signing, providing and/or paying along the way. As a first time home buyer, I was completely overwhelmed; however; they educated me so much that I felt completely at ease trusting them and the process.”
Wayne N. Santa Ynez, CA
“Tim came through AGAIN.”
Nicole D. Santa Barbara, CA
“They made buying a home so easy! We felt so taken care of. Tim and team are the best.”
Shawn D. Santa Barbara, CA
“The entire process was smooth and explained in detail. I knew everything that was going on the whole time and Morgan was incredible in making this happen for us. He is a dream- maker for sure. You'”
Akhaury S. Santa Barbara, CA
“Superior skill in organizing and presenting loan request to investors for approval. One of the best Loan Officers I have ever met.”
Gregory L. Santa Barbara, CA
“Responsive, accurate and efficient.”
Jr. P. Nipomo, CA
“Myrna was extremely open and honest throughout the entire process and answered all questions promptly and thoroughly.”
Hsing-Chung F. Goleta, CA
“Morgan always answered e-mail questions/requests immediately. His service was excellent.”
Elayne A. Santa Barbara, CA
“Morgan went out of his way to efficiently answer all my questions. He was amazing!”
Christine A. Santa Barbara, CA
“I had an initial face to face meeting to go over my refinancing needs. He provided options for me to consider and I was very pleased with the understanding of my needs and the package that worked well for me. Morgan McCadden was the person I interacted with during the follow up processing and he was very responsive and knowledgeable. A good team environment.”
Thomas O. Santa Barbara, CA
“He kept his word and made up for the appraisal errors.”
Daniel R. Santa Barbara, CA
“Great experience. Knowledgeable agent - friendly and efficient. Very smooth - the result was "”
Eric R. Lompoc, CA
“For our refinance, everything went fairly smoothly, funds were available when needed, much thanks.”
Carla R. Santa Barbara, CA
“Fabulous communication with both the buyer and myself as the Realtor. Outstanding service!”
Margaret B. Santa Barbara, CA
“Diligent expertise says it all!”
Marion H. Ventura, CA
“As easy as possible.”

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