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Let us simplify the home buying process for you.

Choosing The Right Loan

We’ll help you find the right loan based on your goals.

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Find out how much you qualify for and build your financial plan.

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Ready to go? Apply now and find the best rates.

Timothy J. Loss

Mortgage Advisor

(NMLS # 187037)

Find Your Home

Do you know how the mortgage loan process works? I want you to be educated on the process so you fully understand step by step how we are going to get you in the home of your dreams. I have a unique tool built specifically to help you understand the mortgage loan process from start to finish! Click the “Get Started” button below to schedule a 1-on-1 call.

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Congratulations on finding your future home!  The first step towards owning your new home is getting Fully Underwritten.  Being Fully Underwritten shows sellers that you are serious about buying their home. To be Fully Underwritten we take you through the entire process prior to you finding a home.  This gives you the highest probability have having your offer accepted.

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Client Testimonials

Carla from Goose Creek

I cannot say enough as to how awesome Tim was with helping me finance my new home. This was my first time purchasing a home on my own. Tim and His team were there every step of the way making sure I understood everything. He answered all of my questions and made sure I always knew what was happening. I have recommended Tim to all of my friends and family. He really did go above and beyond and I’m very thankful. #AFOREVERCLIENT!

Jamie from Charleston

Tim was great. He helped guide us through the tough details and was very helpful in answering questions during our first home guying experience. He also was very responsive and informative -- even going the extra mile and helping us through any and everything he could, even after the purchase!

Megan from Charleston

Tim was honest, professional, and very responsive during all stages of the mortgage process. It was our first home purchase and Tim went the extra mile to explain everything thoroughly. We were so grateful because he found us the lowest possible interest rate. We couldn't have asked for a better experience. Tim Loss made us feel not like clients but as part of his family.

Blake from N. Charleston

I come from a background in sales. I can smell a shady sales tactic or someone who isnt trustworthy from a mile away..Timothy Loss was the best thing that happened to me when i was looking for my first home and my gut tells me he's someome you can trust as well. Tim increased my credit score, motivated me to change my life through goal setting and planning and went out of his way to walk me through the home buying process. I used a VA (veteran affairs) loan and Tim was always a phone call away and his team will either answer everytime or call you back same day. Thanks Tim

Coty from Charleston

Tim was great, he walked us through every step of the home purchase. I had a lot of questions and didn't really know what I was doing, but that didn't matter. Tim walked us through everything, if I had questions, he had answers and advice on what to do. Highly recommend, Tim! He deserves your business!

Susan from N. Charleston

I can not thank Tim enough for helping me to buy my first home. He was professional, courteous and took the time to walk me through each step of the process and made himself available via phone and email. I would highly recommend Tim as he is so passionate about his work and helping families buy the home of their dreams!!!!

James from Summerville

I first spoke with Tim on a Saturday night shortly after the Christmas holiday. Our real estate agent got us in contact with him after a different lender was giving us some bad advice. Tim took the time on a Saturday night to go over our initial application, and set up a pre-qualification letter that same night so that we could make an offer on a home. From that moment on he went above and beyond what any of my expectations would have been from a typical loan officer. He took all of the stress out of the loan underwriting process. He provided updates on just about a daily basis. There were several times we stressed out about something and texted him on a weekend evening. Without any hesitation, he called that same night to ease our minds about the issue at hand. Tim never acted as if he was too busy, or tried to pass us off to an assistant. He always made it seem as if we were his most important customer. I would highly recommend anyone looking for a home loan to make Tim their first call. After calling Tim, you won't need to look any further.

Stan from Summerville

Mr. Tim Loss was a pleasure to work with and made things extremely easy for a first time home buyer like myself. Mr. Loss went above and beyond to not only answer my questions but help guide me through the process with extreme professionalism and courtesy. I would recommend Mr. Loss and his group to any and everyone looking to do business with real estate and the workings that consist of it therein.

The All in One Loan

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On a traditional 30-year mortgage, you'll spend the first 11-15 years paying more in interest than reducing principal balance. That's just the way amortization schedules work. The All In One Loan has no amortization schedule. Which means interest is calculated differently than traditional mortgages. The principal amount is reduced with 100% of every deposit, before mortgage interest is calculated, so you save on mortgage interest costs! Structurally speaking, rate matters least. Technically, it is a first lien position, 30-year open-ended mortgage tied with an embedded transactional sweep-checking account. You get flexibility, ease of use, interest cost savings, and much more with this product. Take control of your financial future.

Learn More

As housing prices have increased over time, access to mortgage options with competitive interest rates have become increasingly limited which has adversely effected millions of homeowners across the nation. You might be one of them. The good news is, you are not limited at CMG Financial. We pride ourselves in making our deep menu of loan options available which includes programs designed to meet today’s jumbo borrowers. Whether you are self employed, reside in a unique property or have limited down payment funds, CMG Financial can provide you with the product, service and low interest rates you expect and deserve.

Jumbo Mortgage Loans

First Time Home Buyers

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Exploring the idea of buying your first home there are several options from no down payment to as little as 3% down. Down payment serves as on of the biggest obstacles for first time home buyers. Down payment assistance programs can serve as a tool in the journey to homeownership. State housing authorities combine down payment grants — or no-down-payment mortgages — with favorable interest rates and even federal tax breaks. These first-time home buyer assistance programs boost buyers’ chances of owning homes in particular geographic areas, or help borrowers in certain professions, such as educators, first responders, or active-duty military and veterans.

VA Home Loans

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The VA loan is a $0 down mortgage option available to Veterans, Service Members and select military spouses. VA loans are issued by private lenders, such as a mortgage company or bank, and guaranteed by the U.S. Department of Veterans Affairs (VA). The VA loan is one of the most useful VA benefits available as it is a tool to create future wealth without making large investments. One of the major benefits aside from having the most lenient guidelines for home financing, it allows for no down payment with no monthly mortgage insurance.


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As trusted advisors everything we do is valued by our clients.


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We always act with integrity through honesty, fairness and accountability.

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As a family we ask for help and help when asked.


We work with passion, act professionally, and have fun while we are doing it.



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  • What can you expect from The Tim Loss Team
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