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Proudly serving clients across MD, DC, DE, FL, GA, NC, PA, SC, TN, VA, WV
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 Closing was smooth sailing. Shannon APort Republic, MD Aug 21
Closing was smooth sailing.
Rating: 5.0 out of 5.0 from Encompass Great communication TinaLusby, MD Aug 20
Great communication
Rating: 5.0 out of 5.0 from Encompass Dear Tim, I am writing this letter to express my deepest, most sincere gratitude for your incredible help, guidance, and support throughout the process of purchasing my very first home. Buying a home is widely known to be one of the most significant, stressful, and monumental milestones in a person’s life. As a first-time homebuyer, I entered t... Ricardo NicholasBaltimore, MD Aug 20
Dear Tim, I am writing this letter to express my deepest, most sincere gratitude for your incredible help, guidance, and support throughout the process of purchasing my very first home. Buying a home is widely known to be one of the most significant, stressful, and monumental milestones in a person’s life. As a first-time homebuyer, I entered t...
Rating: 5.0 out of 5.0 from google Everyone involved in the process was super polite and patient with us. With us being first time home buyers, we weren't sure what to expect. But they made it as easy as possible. Sincerely, thank you. Curtis Hufford Aug 20
Everyone involved in the process was super polite and patient with us. With us being first time home buyers, we weren't sure what to expect. But they made it as easy as possible. Sincerely, thank you.
Rating: 5.0 out of 5.0 from google The entire process, from our very first phone call to the closing table, exceeded my expectations. Every question and concern was addressed quickly, and I always felt heard and genuinely cared for. I never felt like just another transaction—the excitement and joy of the process felt truly mutual. Their knowledge and expertise, combined with thei... Jessica Lee Aug 19
The entire process, from our very first phone call to the closing table, exceeded my expectations. Every question and concern was addressed quickly, and I always felt heard and genuinely cared for. I never felt like just another transaction—the excitement and joy of the process felt truly mutual. Their knowledge and expertise, combined with thei...
Rating: 5.0 out of 5.0 from google Had an amazing experience working with the team at AnnieMac Home Mortgage. They brought a great human touch to a stressful process. The loan officers were incredibly patient, highly responsive, and walked me through every step of the mortgage process. Highly recommend them for a seamless home-buying experience! Ricardo Garaycochea Aug 19
Had an amazing experience working with the team at AnnieMac Home Mortgage. They brought a great human touch to a stressful process. The loan officers were incredibly patient, highly responsive, and walked me through every step of the mortgage process. Highly recommend them for a seamless home-buying experience!
Rating: 5.0 out of 5.0 from Encompass From the very first time we spoke to Tim, we knew he'd be the one to make our dream of homeownership come true. He guided us, communicated, and was always (and I mean always) available to us for anything that crossed our minds. The entire team was amazing! We couldn't have chosen a better lending team and now know firsthand exactly why they were s... Jessica RaeMechanicsville, MD Aug 18
From the very first time we spoke to Tim, we knew he'd be the one to make our dream of homeownership come true. He guided us, communicated, and was always (and I mean always) available to us for anything that crossed our minds. The entire team was amazing! We couldn't have chosen a better lending team and now know firsthand exactly why they were s...
Rating: 5.0 out of 5.0 from Encompass The whole team was very helpful, quick, understanding and great to work with. Penny ELusby, MD Aug 17
The whole team was very helpful, quick, understanding and great to work with.
Rating: 5.0 out of 5.0 from google Tim Murphy is the lending king. My clients secured state grant dollars and wrote concrete offers that closed with out a snag. Lisa Pinder - DMV Realtor Aug 14
Tim Murphy is the lending king. My clients secured state grant dollars and wrote concrete offers that closed with out a snag.
Rating: 5.0 out of 5.0 from google Tim was great to work with. I recommend seeking him out for his experience and knowledge. Windy B Aug 14
Tim was great to work with. I recommend seeking him out for his experience and knowledge.
Rating: 5.0 out of 5.0 from google Tim explained the buying process thoroughly to my first home buyer clients. He gave them all available options to get them the best deal possible. His team worked efficiently to get us to the table on time without any hiccups. Tim is the BEST!!! Denise Thomas Aug 14
Tim explained the buying process thoroughly to my first home buyer clients. He gave them all available options to get them the best deal possible. His team worked efficiently to get us to the table on time without any hiccups. Tim is the BEST!!!
Rating: 5.0 out of 5.0 from google Tim Murphy is such a great Leader & Lender. He goes above and beyond in what he does. If I have questions he’s there to answer them and explain why. He will find you or your clients the best programs that works for you and if you need to do anything to put you in better position he’ll guide you on what you need to do. Justine Conteh Aug 14
Tim Murphy is such a great Leader & Lender. He goes above and beyond in what he does. If I have questions he’s there to answer them and explain why. He will find you or your clients the best programs that works for you and if you need to do anything to put you in better position he’ll guide you on what you need to do.
Rating: 5.0 out of 5.0 from google As a real estate professional, having a reliable and communicative lender is essential to a smooth transaction—and Tim Murphy consistently delivers on all fronts. I’ve had the pleasure of working with Tim. He brings a high level of professionalism, expertise, and responsiveness that truly sets him apart. Deanna Havenner Aug 14
As a real estate professional, having a reliable and communicative lender is essential to a smooth transaction—and Tim Murphy consistently delivers on all fronts. I’ve had the pleasure of working with Tim. He brings a high level of professionalism, expertise, and responsiveness that truly sets him apart.
Rating: 5.0 out of 5.0 from google I had a great experience with Tim Murphy and his team! They were so helpful and kind! They always made themselves available to answer any questions I had and supported me with anything I needed! I really appreciated them, especially as a first time home buyer, they walked me through the whole process and were with me every step of the way! Thank yo... Christina Gardiner Aug 14
I had a great experience with Tim Murphy and his team! They were so helpful and kind! They always made themselves available to answer any questions I had and supported me with anything I needed! I really appreciated them, especially as a first time home buyer, they walked me through the whole process and were with me every step of the way! Thank yo...
Rating: 5.0 out of 5.0 from google Sherri and the entire realty team were extremely patient with my wife and I's night-shift schedule and were so wonderful at explaining and keeping us in the loop! 10 put of 10. Highly reccomend! Josiah Geiger Aug 14
Sherri and the entire realty team were extremely patient with my wife and I's night-shift schedule and were so wonderful at explaining and keeping us in the loop! 10 put of 10. Highly reccomend!
Rating: 5.0 out of 5.0 from google Tim and his team were amazing ! Everybody provided the same level of beyond great assistance throughout the entire process. Everything went smooth. I can't thank the team enough for everything. Ria Aug 14
Tim and his team were amazing ! Everybody provided the same level of beyond great assistance throughout the entire process. Everything went smooth. I can't thank the team enough for everything.
Rating: 5.0 out of 5.0 from google Mr. Murphy and his team were so patient and helpful throughout the process. As a first time home buyer, I had a lot of anxieties coming into this for the first time. Being new to this space, there were a lot of different terms that I never heard before. However, the entire team was extremely responsive and explained everything to me sufficiently. I... Jasmine Johnson Aug 14
Mr. Murphy and his team were so patient and helpful throughout the process. As a first time home buyer, I had a lot of anxieties coming into this for the first time. Being new to this space, there were a lot of different terms that I never heard before. However, the entire team was extremely responsive and explained everything to me sufficiently. I...
Rating: 5.0 out of 5.0 from google Casey was awesome to work with. Made life buying a house so easy. She went out of her way to accommodate us each time we needed her.Very positive and never too busy for us. Felt like we were number one. Thanks again Casey Gray! Christa Gardner Aug 14
Casey was awesome to work with. Made life buying a house so easy. She went out of her way to accommodate us each time we needed her.Very positive and never too busy for us. Felt like we were number one. Thanks again Casey Gray!
Rating: 5.0 out of 5.0 from google We had a wonderful experience working with Tim and Haley to purchase our beautiful home. From the start, Tim took the time to listen to our goals, carefully assess our financial situation, and present us with several thoughtful options to help us reach our home-buying goals. Both Tim and Haley were incredibly knowledgeable, thorough, and supportiv... Naomi Davis Aug 14
We had a wonderful experience working with Tim and Haley to purchase our beautiful home. From the start, Tim took the time to listen to our goals, carefully assess our financial situation, and present us with several thoughtful options to help us reach our home-buying goals. Both Tim and Haley were incredibly knowledgeable, thorough, and supportiv...
Rating: 5.0 out of 5.0 from google Your team worked with my family and I for such a long time. Extremely patient and answered all questions when I had them. Friendly demeanors from all I interacted with. Peter Gruninger Aug 14
Your team worked with my family and I for such a long time. Extremely patient and answered all questions when I had them. Friendly demeanors from all I interacted with.
Rating: 5.0 out of 5.0 from google Tim Murphy has been a pleasure to work with throughout the lending process. He has been responsive, transparent, thorough, and professional. He also treats his clients like family. The Anne Mac mortgage team made my home buying experience less stressful. Shaunte Deare Aug 14
Tim Murphy has been a pleasure to work with throughout the lending process. He has been responsive, transparent, thorough, and professional. He also treats his clients like family. The Anne Mac mortgage team made my home buying experience less stressful.
Rating: 5.0 out of 5.0 from google My overall experience was excellent with Annie Mac, Mr. Tim Murphy and his team. Very professional and supportive and most if you have any questions Mr. Murphy and the team are always available. Very helpful and knowledgeable and kind. Thank you Annie Mac! Sandra Fisher Aug 14
My overall experience was excellent with Annie Mac, Mr. Tim Murphy and his team. Very professional and supportive and most if you have any questions Mr. Murphy and the team are always available. Very helpful and knowledgeable and kind. Thank you Annie Mac!
Rating: 5.0 out of 5.0 from google ⭐️⭐️⭐️⭐️⭐️ 5 Stars? No — 10 Stars in My Book! Tim Murphy and his team were absolutely AMAZING with my closing. They handled my loan with care, expertise, and precision — and EXPEDITED the entire process. I have never closed on a real estate loan in less than 3 weeks. That alone says everything. I’ve worked with Tim for yea... Vonda Aug 14
⭐️⭐️⭐️⭐️⭐️ 5 Stars? No — 10 Stars in My Book! Tim Murphy and his team were absolutely AMAZING with my closing. They handled my loan with care, expertise, and precision — and EXPEDITED the entire process. I have never closed on a real estate loan in less than 3 weeks. That alone says everything. I’ve worked with Tim for yea...
Rating: 5.0 out of 5.0 from google As a first time homebuyer, Tim and his team took exceptional care of me. They always communicated well with me whether it was through email, text or a phone call. They made it easy to understand each step of the process and gave me ample time to review, complete and/or submit documents via email or throu... Tiricka Tripplet Aug 14
As a first time homebuyer, Tim and his team took exceptional care of me. They always communicated well with me whether it was through email, text or a phone call. They made it easy to understand each step of the process and gave me ample time to review, complete and/or submit documents via email or throu...
Rating: 5.0 out of 5.0 from google We had an excellent experience working with Sherri, April, and Kayla at AnnieMac Mortgage Company. Throughout the entire process, they were attentive, persistent, and always available whenever we had questions or needed guidance. Their communication was outstanding, and they consistently kept everything moving forward smoothly and efficiently. Buy... Steve Riggin Aug 14
We had an excellent experience working with Sherri, April, and Kayla at AnnieMac Mortgage Company. Throughout the entire process, they were attentive, persistent, and always available whenever we had questions or needed guidance. Their communication was outstanding, and they consistently kept everything moving forward smoothly and efficiently. Buy...