***PLEASE READ - IMPORTANT***

We DO NOT sell your information to any third party after we pull your credit. After your credit is pulled, the 3 credit bureaus (Experian, Equifax & Transunion) immediately put this information on a marketing leads list, in the form of "trigger leads." Unfortunately, brokers & banks have no control to stop this, since the bureaus are regulated by the CFPB. We know how frustrating it can be to get hundreds of spam calls and to help prevent this – you can register with the Do-Not-Call Registry here: donotcall.gov

Timothy (NMLS #1282238) began his career in the mortgage industry in 2015 and quickly established himself as a trusted advisor dedicated to helping families achieve homeownership. By 2016, Timothy had already emerged as a top-performing Loan Officer, driven by a genuine passion for guiding homeowners through one of the most important financial decisions of their lives.

In 2021, Timothy earned national recognition when he was ranked #5 in the country for FHA loan originations, while also successfully assisting clients with VA and Conventional mortgage programs. His success has always been rooted in the principles that guide his work every day - honesty, personal integrity, and a commitment to putting clients first.

Over the course of his career, Timothy has helped thousands of homeowners navigate the mortgage process with confidence. He takes great pride in delivering exceptional customer service, ensuring every borrower feels informed, supported, and empowered throughout their home financing journey. Timothy continues to focus on building lasting relationships and expanding his impact by helping even more families achieve their homeownership goals.

Outside of his professional life, Timothy values time spent with family and friends. Sports have always been an important part of his life, both playing and coaching, and he enjoys staying active within his community. As the proud father of four amazing children, much of his time away from work is spent supporting and enjoying the busy and rewarding moments of family life.

Timothy’s mission is simple: to serve every client with integrity, provide expert guidance, and make the mortgage experience as smooth and successful as possible.

ABOUT PETRA CEPHAS

At Petra Cephas, we are committed to providing exceptional service that will give homebuyers the opportunity for a better life. As professionals in the mortgage industry with over 15 years of experience, we provide our clients with the most convenient options to pay for their home. Our team makes sure to lead our clients to the comfort of a home.

We help our clients prepare for their biggest decisions, offering residential financing for primary residences, second homes, and investment properties. We also handle single family units, multifamily units, condos, and town homes. We are licensed in New Jersey, Pennsylvania, New York, California, Florida, Connecticut, North Carolina, Texas, Virginia, Maryland, Georgia and the District of Columbia.