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Proudly serving clients across New York, Ohio and Pennsylvania.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Thank you for your excellent service, clear communication, and support throughout the process. You made everything smooth and easy. I truly appreciate your help and dedication. SophiaRochester, NY Aug 17
Thank you for your excellent service, clear communication, and support throughout the process. You made everything smooth and easy. I truly appreciate your help and dedication.
Rating: 4.8 out of 5.0 from Encompass Brother Chet took such good care of us throughout the entire process; it was truly a pleasure working with him. He did an excellent job! We sincerely appreciate all his hard work and support. TekRochester, NY Aug 12
Brother Chet took such good care of us throughout the entire process; it was truly a pleasure working with him. He did an excellent job! We sincerely appreciate all his hard work and support.
Rating: 5.0 out of 5.0 from Encompass Helpful advice and support a lot Jit BahadurCheektowaga, NY Aug 11
Helpful advice and support a lot
Rating: 5.0 out of 5.0 from Encompass thank you so much KhagendraWest Henrietta, NY Aug 09
thank you so much
Rating: 5.0 out of 5.0 from Encompass Great Job every questions are answer will do again if i had too thank you. Ram NanduW Henrietta, NY Aug 03
Great Job every questions are answer will do again if i had too thank you.
Rating: 4.2 out of 5.0 from Encompass I would like to thank Chet Timsina for the help and co-operative.thank you for providing we this home . Thanks for whole Annie Mac team. Bam BahadurRochester, NY Jul 16
I would like to thank Chet Timsina for the help and co-operative.thank you for providing we this home . Thanks for whole Annie Mac team.
Rating: 5.0 out of 5.0 from Encompass Fantastic service PabitaWest Henrietta, NY Jul 16
Fantastic service
Rating: 5.0 out of 5.0 from Encompass Chet is such a great guy to work with. He communicates with the clients so well and makes sure clients understand the process. He even work after hour to give best service. Definitely working again with Chet. Thank you Chet for your help. PurnaCicero, NY Jul 16
Chet is such a great guy to work with. He communicates with the clients so well and makes sure clients understand the process. He even work after hour to give best service. Definitely working again with Chet. Thank you Chet for your help.
Rating: 5.0 out of 5.0 from Encompass Chet was very professional, understanding, calm and respectful. YvonneRochester, NY Jul 16
Chet was very professional, understanding, calm and respectful.
Rating: 5.0 out of 5.0 from Encompass On time response, goes above and beyond to help clients!!! RupRochester, NY Jul 16
On time response, goes above and beyond to help clients!!!
Rating: 5.0 out of 5.0 from Encompass Chet Timsina proved to be an exceptional loan officer during my recent home purchase. His expertise in navigating the mortgage process was invaluable, and he made the entire experience seamless. Timsina's clear communication, prompt responses, and thorough explanations of complex terms ensured I was well-informed and confident throughout. He worked... ChandraHenrietta, NY Jul 16
Chet Timsina proved to be an exceptional loan officer during my recent home purchase. His expertise in navigating the mortgage process was invaluable, and he made the entire experience seamless. Timsina's clear communication, prompt responses, and thorough explanations of complex terms ensured I was well-informed and confident throughout. He worked...
Rating: 4.8 out of 5.0 from Encompass To work with them it’s great Damber KumariW. Henrietta, NY Jul 16
To work with them it’s great
Rating: 5.0 out of 5.0 from Encompass Everything from start to finish my client was also satisfied with the service. Thanks MandeepW. Henrietta, NY Jul 16
Everything from start to finish my client was also satisfied with the service. Thanks
Rating: 5.0 out of 5.0 from Encompass The process went smoothly and great communication and loan was closed just in couple of weeks. Excellent work done . Arun KumarWest Henrietta, NY Jul 16
The process went smoothly and great communication and loan was closed just in couple of weeks. Excellent work done .
Rating: 5.0 out of 5.0 from Encompass Chet is the great communicator and get the job done on time. We recently closed on one file within 30 days from the offer accepted to CTC. Great job Chet. I will highly recommend him for any mortgage needs. KhemRush, NY Jul 16
Chet is the great communicator and get the job done on time. We recently closed on one file within 30 days from the offer accepted to CTC. Great job Chet. I will highly recommend him for any mortgage needs.
Rating: 5.0 out of 5.0 from Encompass Excellent work skills with client. DukGreece, NY Jul 16
Excellent work skills with client.
Rating: 5.0 out of 5.0 from Encompass Chet was simply awesome. He made the deal go smoothly. I would love to work with him again. KaziClay, NY Jul 16
Chet was simply awesome. He made the deal go smoothly. I would love to work with him again.
Rating: 5.0 out of 5.0 from Encompass Outstanding Service from Chet Timsina! I had the absolute pleasure of working with Chet Timsina as my loan officer, and I cannot recommend him enough! From the very first interaction, Chet made the entire loan process smooth, transparent, and stress-free. He was incredibly knowledgeable, always willing to explain the finer details, and made sure I... Naba RajRochester, NY Jul 16
Outstanding Service from Chet Timsina! I had the absolute pleasure of working with Chet Timsina as my loan officer, and I cannot recommend him enough! From the very first interaction, Chet made the entire loan process smooth, transparent, and stress-free. He was incredibly knowledgeable, always willing to explain the finer details, and made sure I...
Rating: 4.8 out of 5.0 from Encompass Very smooth flow of transaction, frequent updates on the transaction and buyers are very happy so far. Chet NRochester, NY Jul 16
Very smooth flow of transaction, frequent updates on the transaction and buyers are very happy so far.
Rating: 5.0 out of 5.0 from Encompass Chet was highly informative and responsive, providing prompt assistance and presenting various options. He worked within our budget to secure the most favorable terms and was readily available, even outside regular business hours. EhBluMinoa, NY Jul 16
Chet was highly informative and responsive, providing prompt assistance and presenting various options. He worked within our budget to secure the most favorable terms and was readily available, even outside regular business hours.
Rating: 5.0 out of 5.0 from Encompass I had an excellent experience working with Chet Timsina. He was professional, knowledgeable, and communicated clearly throughout the mortgage process. Chet made everything seamless and stress-free. Highly recommended! JeewanRochester, NY Jul 16
I had an excellent experience working with Chet Timsina. He was professional, knowledgeable, and communicated clearly throughout the mortgage process. Chet made everything seamless and stress-free. Highly recommended!
Rating: 5.0 out of 5.0 from Encompass I really appreciate your support you did a great job thank you Buddha M.Rush, NY Jul 16
I really appreciate your support you did a great job thank you
Rating: 5.0 out of 5.0 from Encompass Everything is good AamirDillsburg, PA Jul 16
Everything is good
Rating: 4.8 out of 5.0 from Encompass He is so, helpful and kind person he motivated people who need help and support thanks DilFredonia, NY Jul 16
He is so, helpful and kind person he motivated people who need help and support thanks