Tim Tacl

Mortgage Loan Officer | NMLS 1468547 Spire Financial AmeriFirst Financial, Inc. | NMLS 145368
After graduating from the United States Naval Academy I served as an Officer in the Navy for just over six years. When it came time to leave the service I sought out an industry, and more importantly a company, that aligned well with the traits and values I gained during that time. I joined The Spire Team at The Spire Team at AmeriFirst Financial Inc. because it is truly a family environment centered on providing our clients with the best service in the industry. I’m proud to be a part of such a great team and in a career that I can still continue to be a resource to the community around me.
Jul 8, 2019
Sales manager
Tim made the whole home buying process extremely easy. I thought my first home buying experience would be beyond stressful, but Tim made it completely stress free. Tim will be my first call for every home I plan to purchase.
Jun 25, 2019
Tim did a fine job working through our loan. The support and out-of-the-box thinking enabled my wife and I to close on the house a week earlier than expected. Even though we were in the midst of a cross-country move, Tim's calm demeanor created an atmosphere of understanding and he quickly answered all of our questions. Will work with Tim on our next home loan. Couldn't recommend Tim Tacl more!!
May 31, 2019
Tim was really great to work with! He is very knowledgeable and always available for your questions!
May 22, 2019
We have used Tim to assist us with two re-finances of our home. Both times Tim has been up front with needed information, helpful, honest and easy to work with. He communicates in a clear and timely manor and is always willing to answer questions.
May 21, 2019
School Leader
I am so grateful for the support and guidance Tim provided during my process. He worked in tandem with my agent to support my search process, reached out to selling agents on my behalf while offers were being considered to support my selection, and ultimately found me the very best deal on a loan. As a first time homebuyer, accessing programs that provide down-payment assistance was crucial, and Tim helped me understand all the options, answered my questions with patience and care, and I even got money back at closing!

In January, I would have told you I wasn't able to buy a house on my own. As of yesterday, I am a homeowner! Thank you for all your help, Tim!
May 20, 2019
As a first time home buyer, I could not have asked for a more patient, kind and understanding lender. He was always quick to respond and easy to get in touch with, no matter the day of the week or time of day. With a really quick closing, the process could not have gone any better. I highly recommend Tim and his team for all of your lending needs!
May 7, 2019
Tim was great! Super helpful and knowledgeable. He kept me up to date with everything that was happening and was patient when I didn't understand anything. He puts you first during the whole process, and it really shows.
Apr 30, 2019
General Manager
Tim was very accommodating and responsive! Always willing to send estimates when we found a house we were interested in. When it came time for the actual close they did it so quickly! Made the process a breeze!
Apr 25, 2019
Tim has helped many of my clients with their home loans and he most recently helped me with the refinance of my home. He took the time to go over all of the various options with me and was very patient when I had lots of questions. Tim and his team communicated with me throughout every step of the process. I’m now saving $200/month on my mortgage and I couldn’t be happier! There’s a reason that Tim is my go-to lender!!
Mar 19, 2019
Tim and his team were amazing! They were on top of everything! Tim went above and beyond answering the phone every time I needed anything. My closing went off without a hitch and I always felt he had by best interests at heart. I would highly recommend him to anyone, especially first time home buyers - he carefully explained everything and put it into terms I could I understand!
Mar 19, 2019
Home Buyer
Tim goes above and beyond for his customers. He was available every step of the way. He truly wants to give you the best deal and best customer service possible. I highly recommend Tim as your next mortgage loan officer. THank you, Tim!
Feb 11, 2019
First-Time Home Buyer
Tim and his team made the process of buying my first home easy and stress-free! They worked overtime to keep our timeline moving, despite some difficulties from the VA. Can't thank them enough for their help with this process!
Jan 30, 2019
Tim was excellent to work with. I couldn't have ask for anything more in a loan officer. He was able to get a good rate and we were able to close quickly.
Jan 14, 2019
Tim has helped me with a refinance on my mortgage and he is great to work with! Very honest and straightforward. He is always available to answer questions. Also, I've referred clients to Tim and they all rave about his service.
Jan 11, 2019
First-Time Home Buyer
We purchased our first home this past December and Tim could not have made it an easier process for us. Tim knew his stuff, always had an answer for the one million questions I had, and was never difficult to get ahold of. The seller of the home we purchased had a very tight timeline - Tim and his team made sure we were on track and able to close in less than a month! I would recommend working with him to anyone, I don't think we would have had as good of an experience as we did with Tim and his team as first time buyers.
Oct 8, 2018
Tim was absolutely wonderful! He communicated very clearly with every step of the process and was on top of everything to get us to closing in 3 weeks.
Aug 13, 2018
Sales Manager
Tim was great to work with. I spent over 9 months looking for a house and Tim stuck with me the whole time. I appreciate his patience throughout the process. He was also very responsive and always got back to me quickly about any question I had. Not only that but I got a lower rate compared to multiple other lenders. Overall I could not have asked for an easier process.Thanks Tim!
Aug 8, 2018
Tim was great! Always very responsive and very quick. I had a lot of questions as I was a first time home buyer. Tim took as much time as needed to clarify and questions I had.
Aug 6, 2018
First-time Home Buyer
As first-time home buyers, my husband and I had no idea where to begin the undertaking. We attended one of Tim's free seminars to learn more, and immediately felt at ease thanks to Tim's knowledge of the entire mortgage process and understanding of our full financial situation and lack of experience in this realm. Things could not have gone more smoothly throughout our home buying experience, and we can attribute that to Tim and our real estate agent (introduced to us through Tim). Tim even stayed in close contact while on a personal vacation out of the country, checking in with us every couple of days to make sure we were comfortable with each step, and ensuring his team was handling everything! The personal service, detailed explanations, and the incredible timeliness Tim possesses is unparalleled in the industry. 10/10 would use Tim's services again.
Jun 13, 2018
Tim does an excellent job of communicating with his clients, trouble-shooting and problem solving. He is diligent about doing what is necessary to provide the best possible service and getting his clients to the closing table with minimal disruption. I would rexommmend him for his caring nature and willingness to go above and beyond what is expected. He took great care of our family and appreciates his customers.
May 30, 2018
Tim was absolutely awesome. He kept us in the loop at all times, and we never felt lost or like we didn’t matter at any point in time. To close on our house, Tim took it upon himself to actually go to the VA office when they told him our loan did not take priority. We closed that same day. Tim is competent and very hardworking, and I couldn’t imagine working with anyone else. Thanks Tim!
Apr 27, 2018
Student / Navy Officer
Tim consistently went out of his way to ensure that he was available to my wife and I at all times throughout the home-buying process. His knowledge, availability and timeliness were invaluable. While our mortgage qualification status was far from simple, Tim made sure that each step went smoothly with open lines of communication between our real estate agent, the lender, he and ourselves.
I would highly recommend Tim as a loan officer to anyone looking for a new home.
Feb 6, 2018
Director of Operations
Tim and his team made the ENTIRE process so smooth and stress-free! (Not to mention we closed in 21 days!)

Not only was Tim and his team the utmost professionals, their amiable personalities made it the entire experience completely enjoyable!

I DEFINITELY recommend Tim (and am definitely planning on working with him again if I happen to be looking to purchase another property)

Thanks again Tim and team!

Joe Choi
Dec 12, 2017
Clueless first-time home buyer
Tim and his team were absolutely INCREDIBLE throughout the entire home buying experience! We are first-time home buyers and had absolutely no idea where to start when we were ready to find a house-- a daunting feeling, to say the least. Tim was always available when we needed him and was able to help us navigate the loan process in a way that made sense and made us feel comfortable. Having Tim's support, expertise, and guidance took the stress out of buying our first home-- we couldn't have done it without him!
Dec 5, 2017
Tim was a pleasure to work with. He was always available to answer any questions I had. He was on top of making sure everyone had all the information and paperwork that needed to be taken care of. We asked for a 20 day close around a holiday and he finished with time to spare! Tim is a very enjoyable person to be around and I highly recommend working with him.

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