Tim Higbee

Sr. Mortgage Consultant - San Francisco Guarantee Mortgage
Thirty years of customer focus underlies Tim Higbee's work experiences in business ownership, client management, and strategic planning. Now he finds himself at the perfect intersection of his passions, having spent the past twelve years working directly with clients in real estate finance.

Tim's undergraduate degrees in Communications, Economics and Psychology prepared him for this dream job, teaching him to effectively discuss customer needs, craft realistic financial plans, and be aware of the formidable life changes that often accompany real estate planning. Finding the best path to each customer's ideal future is Tim's pride and firm priority.
Jul 21, 2020
Tim Higbee was fantastic to work with. I would recommend his service to anyone!
Jun 8, 2020
Our loan officer, Tim Higbee, was amazing- thorough, proactive, thoughtful, always making the process easy for us.
Jun 8, 2020
Tim guided us through the whole process and it was so easy!!! He was amazing to work with and going
Mar 8, 2020
The process was so easy. Tim is an amazing broker. He explains everything so simply and in layman's terms, he's responsive, and all around a great advocate for his clients.
Mar 8, 2020
Great stuff!
Feb 4, 2014
Founder & CPO - Thismoment, Inc
Tim Higbee... where to begin? My wife and I have been working with Tim back close to the turn of the century, when he so expertly assisted us in purchasing our first property, a condo in the Castro, San Francisco. At the time, I figured we didn't stand a chance! 2003-2004 was time of extreme real estate craziness in the bay area, with seasoned buyers routinely overbidding and boxing out first-home purchasers. Tim was patient, creative, and just incredible to work with, and somehow managed to make us look the part. We were accepted, moved in, and have been loyal customers of Tim ever since.

We've refinanced the San Francisco condo once, we've since purchased two properties in the Pasadena area of Los Angeles, and even just completed a refinance of our now principle residence just before the end of last year.

As I have given this advice to friends, colleagues, and well, anyone who would care to lend an ear: you would be insane to not work with Tim and Guarantee Mortgage. That's the long and the short of it. When they talk about funding your dreams, it's no joke! Before you cross anything off your list as an impossibility, pick up the phone or email this wizard. Be honest and forthcoming, come with a great sense of humor and explain your plans and desires clearly (no matter how ridiculous)... I think that you'll be amazed at the magic he wields, and refreshed by his unwavering loyalty and commitment to his customers (who really, feel more like partners). Don't be surprised if you get an even more aggressive rate just before the close, or get that always welcome, but unexpected, email one day in the future with refinancing options that are just too good to pass up.

You're entering a true partnership... this is not your average vendor/customer relationship.

Extremely satisfied partner, 5 times over-

Nov 20, 2013
As a Realtor who has been in the business for over a dozen years, I can tell you that mortgage brokers like Tim Higbee are few and far between. Tim has been a major asset to my business for many years and I continue to recommend him for many reasons:
1. He is available and responsive to phone calls & emails.
2. He takes pride in doing the right thing for his customers.
3. He under-promises and over-delivers on regular basis by setting realistic expectations for his clients and then doing the best job he can for them - usually a better interest rate or loan product than he originally quotes.
4. He provides options for his clients, or if he can't provide a good product, he lets them know right away so they don't waste their time.
5. He is great at educating clients on different products and how the entire process works. He continues the education and hand-holding for his clients throughout the escrow if needed.
6. He will be there for his clients after close of escrow - just because he closes a deal doesn't mean he won't be there to answer questions or help you out.

It is with much appreciation for having worked with Tim on many transactions that I can enthusiastically recommend his services to anyone looking for a hardworking, thorough, and diligent mortgage broker.
Nov 14, 2013
I bought a home in 2012 and Tim got me a loan for my home. He did an excellent job. He was very efficient and methodical. After that I went to him for my refinance and he gave me the same professional service. I would definite recommend him to allmay friends
Nov 7, 2013
Retired State of California Analyst
Tim Higbee helped us with two re-fiances on our 1903 Edwardian in San Francisco. Both were handled professionally, thoughtfully, and with good cheer. In the first re-fi, I even went back to our original lender, suggesting that they consider a re-fi themselves as rates had considerably dropped and we'd paid down a chunk of principal. They just couldn't be bothered. Ironically, more than 20 months after we left that lender, I have just received a letter telling me that they'd be glad to reconsider an adjustment to keep our business. Too late! Tim Higbee and his staff had gotten us just the loan we wanted at a better rate than we dreamed of, with less out-of-pocket costs than we could have imagined. I referred him to my daughter and her husband in Aptos and they too received the same kind of excellent , cost effective service we did. I tend to be fairly critical of most businesses. But , I can without reservation, highly recommend Tim and his staff.
Nov 6, 2013
Tim has helped me through ten mortgage transactions over the years, and he has consistently been one of the most responsive, professional people I've ever worked with. In two of those transactions I happened to talk with other mortgage brokers who suggested that what Tim was promising was too good to be true, that it must be a bait-and-switch, etc., but Tim has always come through with the terms and timelines promised. And on top of that, Tim is actually fun to work with, and mixes a great sense of humor with his professionalism.
Nov 1, 2013
I was referred to Tim Higbee by friends who had worked with him to finance their initial home purchase in 2008 and several refinancing’s since then. As a first time home buyer, I was thrilled to have Tim really take the time to discuss the overall process and explore some potential solutions to specific questions in my case. In this tough fast-moving market, Tim never missed the mark in sending pre-approval letters on a timely basis as part of the offer process. My broker in Marin, who had not previously worked with Tim, was impressed by his responsiveness. Tim was very professional throughout the process and a real pleasure to work with. Thanks so much, Tim! (yelp 4/21/2013)
Oct 29, 2013
Bookkeeper, Self employed
Tim is a very professional and effective agent to work with. Throughout the process, it's always clear he is on your side and will do anything to help you. He is extremely organized and always communicate promptly if any specific needs or information arise. You can be confidant that from day 1 to the day you close, everything will have been done accurately and on time. He also happens to be friendly, engaging and a wonderful person to work with.
Oct 29, 2013
Tim has been instrumental n refinancing my home of 20 years three times and each time
he handled it well. We had very few issues to deal with and he always answered all of my
questions professionally and in a manner that I could easily understand.
Oct 28, 2013
Tim makes the impossible - possible. During the times mortgage upheaval, uncertain procedures, Tim steers a steady course and procures the best terms for his clients. I myself am a repeat client have referred several satisfied friends to Tim.
Oct 28, 2013
tim is the best mortgage broker i've had. he secured us with the best product for our needs, and didn't bog us down with unnecessary details.

as we worked together, i was contacted by other mortgage brokers looking for my business. i told them what tim was able to arrange for us and each one told me, "i can't beat that, stick with whomever you've got".

'nuff said!

Oct 28, 2013
Home Buyer, Marin County
Tim did an amazing job for us, when we were buying a home earlier this year. He was always available for us, always patient, encouraging, and professional. We highly recommend Tim!
Oct 28, 2013
Owner, President -- AND Design + Construction
We have used Tim for our first home purchase and he couldn't have been more helpful. We know the housing industry quite well because of our profession (General Building Contractors) but purchasing our first home was financially stressful.

Tim helped in making sure our expectations were adjusted according to our situation.
He was very pragmatic in his approach and we found him logical and diligent with his advice.
We have tried using other brokers, and I always felt like I was being sold into a mortgage deal that wasn't right for us long term. Tim was honestly concerned for our best interest, and was instrumental in our peace of mind while we were going through the process.

He is dedicated, honest and very forthcoming with his tenured insight. He always educated us without being condescending.

I recommend Tim to everyone who asks me about refinancing, or buying a new home.

If I had to choose words to describe him it would be -- loyal, trustworthy, honest and diligent.
Oct 28, 2013
Thanks Tim - for making it so easy!!!
Oct 28, 2013
Business owner and Homeowner in Bay Area
Tim has helped me refinance several times and he is always professional, organized, and on the ball. He answers my questions thoroughly, even when the questions are kind of dumb. The finance process can be intimidating and I like having Tim on my side making sure everything gets done correctly and at the best possible rates.
I highly recommend Tim Higbee!
Oct 28, 2013
As a first time buyer with a million questions and a ton of anxiety, I was somewhat hesitant that I'd be able to find a loan broker that could meet my expectations. The guy at my bank wasn't responsive and never put anything in writing. But my friend assured me that Tim was knowledgeable and patient, and he was right. But more than that ...Tim took the time to educate me and help my feel like an expert through every step of the process.

I learned a lot working with Tim - which is why I've continued to use him over the last 10 years, with 2 refinances, and then as I grew out of my bachelor pad - he helped my growing family get into our 2nd home. I’ve never had a reason to look elsewhere – I know I can trust him with goals. Thanks Tim! Let's start looking at investment property now !!