Tim Dawley

Tim Dawley

Mortgage Loan Originator NMLS #1481257

4.90
73 reviews

Whether you are looking to buy a new home or refinance an existing mortgage, Tim can help you find the best loan product based on your scenario to ensure you are in a great position to buy. Tim takes pride in having great attention to detail while letting his clients know what to expect throughout the mortgage process. Tim is always happy to answer any questions that come up along the way.

What my clients say

This was our second time working with Tim, and just like before, he made the whole mortgage process quick, easy, and stress-free. We already knew we could count on him, which took a lot of the pressure off during what can be a pretty overwhelming time. He was always available to answer our questions, kept us informed at every step, and gave honest advice that helped us make the right decisions. It’s clear Tim genuinely cares about his clients, and that trust we built the first time only grew stronger through this experience. I wouldn’t think twice about reaching out to him again, and I continue to recommend him to anyone looking for a lender they can rely on.

Jordan

zillow

Timothy Dawley was extremely helpful with my closing. He took a potential stressful time and put me at ease. Everything went smoothly and as expected.

Melissa L.

zillow

Tim was very patient with me throughout the entire process. I was looking for a home during a difficult market. It took longer than expected. Tim was always there to answer questions and help me the entire time. I honestly felt like he was on my side and just wanted to help me get into the best financial situation possible when I purchased my home. I wouldn't even think about going through anybody else if I end up needing another mortgage in the future.

J_ross8611

zillow

It is always a pleasure working with TIm.

Michael L.

encompass

Tim was very patient when dealing with my questions. My home search took much longer than expected. Tim was very responsive the entire time and always continued to be reliable in updating my approval letters and keeping me prepared to purchase.

Joseph R.

encompass

Great lender.

Michael L.

encompass

As a lender Timothy, was very responsive. He took me through all the steps, and educated me with how to get the numbers. We spent about ~ a year going through potential purchases and it seemed like there would be never a home that would we can grab. But ultimately we did!, and Total Morgate and Timothy made it pleasant way to get it to closing! Thanks, Michael

Michael L.

zillow

Tim is very knowledgeable and easy to reach. I had a lot of questions and they were always answered promptly. I appreciated the “work together” attitude of Tim to get things done. Tim is extremely patient and pleasant. I would refer my friends to Tim.

Jozef T.

encompass

Tim worked with us for month’s making sure we understood our options, that we had the best rate, gave guidance how we could potentially improve our scores and walked us through every step of the purchase process in detail. While Tim is empathetic, patient, knowledgeable, responsive, communicative, he is also the constant professional and all around really nice guy. Tim made himself available for us day and night, calls, emails, text messages…we always had a line to communicate with Tim. We will only work with Tim for any of our future lending needs. If you want accuracy and the best lending experience possible? Contact Tim Dailey, no one does lending better!

Psloan2011

zillow

Tim is wonderful in every aspect. He’s caring, empathetic, patient, detailed, responsive, he listens and communicates well, valued our time and opinion, provided detailed information at all time, answered every question (and there were a lot!), worked extremely hard to get us the best deal possible and talked us off the ledge a time or two when the seller’s party within our transaction was difficult and not so responsive. I honestly and truly can’t think of anything that he could possibly improve on. Tim is worth his weight in gold and I will be recommending him to everyone I know. I’ll also keep in touch with him because he’s that great of a guy :-).

Pamela S.

encompass

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Above rates last updated December 29th 2025, 4:30pm EST.

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