With nearly twenty years dedicated to the mortgage industry, Tim has guided countless individuals and families toward realizing their homeownership dreams.

Tim’s mission extends beyond the transactional; he treats each borrower as his #1 priority, which is evident in his stellar reputation, with most of his clientele coming through personal referrals. His personalized approach begins with a thorough understanding of each client’s financial landscape, enabling him to recommend programs that not only meet immediate needs but also pave the way for long-term financial and homeownership goals.

Whether assisting first-time buyers or seasoned investors, Tim’s expertise ensures tailored mortgage solutions for every unique scenario. Committed to fostering lifelong relationships, Tim is poised to be your trusted mortgage advisor indefinitely.


Licensed in:
District of Columbia, Maryland, North Carolina, Virginia

The Kristi Hardy Team at Atlantic Coast Mortgage

Kristi Hardy's Profile Photo
Kristi Hardy

EVP | Area Manager
& Sr. Loan Officer
NMLS ID 194938

Jeremy Kendall, CPA's Profile Photo
Jeremy Kendall, CPA

Sr. Loan Officer
NMLS ID 2045482

Tim K. Kelly's Profile Photo
Tim K. Kelly

Sr. Loan Officer
NMLS ID 376030

Mariel Robbins's Profile Photo
Mariel Robbins

Sr. Loan Officer
Bilingüe (Español)
NMLS ID 1139928

Dana Chapman's Profile Photo
Dana Chapman

Team Production Manager
& Sr. Loan Officer
NMLS ID 890671

Maggie French's Profile Photo
Maggie French

Team Production Manager
& Sr. Loan Officer
NMLS ID 1026308

Barbie Pascual's Profile Photo
Barbie Pascual

Team Production Manager
Bilingüe (Español)

Chris Glazewski's Profile Photo
Chris Glazewski

Sr. Loan Processor

What Others Are Saying About Tim K.

“Working with Tim and his team was great! Tim was super knowledgeable and communicative. As a first time homebuyer, I had tons of questions, and Tim always was responsive and helpful. I'm sure he has tons of other clients, but he made is feel like his priority. I would absolutely recommend him to all my friends and family.”
  • Sarah B.
  • First-Time Homebuyer
“We've worked with Tim when purchasing our first and second home. Yes, there are stresses that come with the process of home selling/buying but on the financing side, Tim Makes the process practically seamless. Tim strives to educate his customers to ensure you are fully prepared to know what to expect during the process. He is always available for questions and ensures you fully understand, which brings such an amazing level of confidence and ease throughout. I have referred Tim and will continue to do so, as we really enjoyed these life experiences and so much of it is because Tim knows what he is doing, he's smart, and he is a honest and reliable resource.”
  • Kristin D.
  • Happy Homeowner
“Tim and his team provided the best customer service and expert guidance I have ever seen in the industry. I have been a Realtor for 6 years and have been involved in countless transactions for all types of mortgage financing. Tim saved my own personal deal in just 7 days after my file was denied by another lenders underwriter. Him and his team work tirelessly restructuring my file and had it clear to close in less than a week. There were times where I would wake up to emails sent at midnight or 1AM with information regarding question I had that were not even asked yet. I cannot express how well this experience truly was in words!”
  • Mike L.
  • Realtor

Homebuying Essentials

Tim K. Kelly's Profile Image

Tim K. Kelly

Sr. Loan Officer NMLS ID 376030

Call Tim K. Directly

Address 4097 Monument Corner Drive, Suite 600
Fairfax, VA 22030

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