Hi, I’m TIm Silva.
Helping Californians achieve homeownership with confidence through honest guidance, clear communication, and personalized mortgage solutions. Whether you're purchasing your first home, moving into your next one, investing in real estate, or exploring your financing options, I'm committed to making the mortgage process as simple and stress-free as possible. I believe every client deserves straightforward advice, timely communication, and a loan strategy tailored to their unique financial goals. From your first questions to closing day, I'll be by your side to ensure you understand your options and feel confident in every decision along the way.
NMLS# 234300
Cell Phone: (760) 954-1976
Office Phone: (760) 256-3593
Email: tsilva@gemcorp.com
A little about myslef
With over 30 years of mortgage experience and a lifetime of service to the Barstow and High Desert communities, I've dedicated my career to helping families achieve the dream of homeownership. I take pride in providing honest guidance, personalized service, and the experience needed to help my clients purchase homes, refinance loans, and build long-term financial security.
As a licensed mortgage professional with Golden Empire Mortgage and a Certified Mortgage Adviser, I specialize in helping first-time homebuyers, move-up buyers, veterans, and homeowners looking to refinance. My knowledge of lending guidelines, local market conditions, and creative financing strategies allows me to provide smooth transactions and mortgage solutions tailored to each client's unique goals.
Born and raised in Barstow, I have deep roots in the community and strong relationships throughout Barstow, Victor Valley, and the surrounding areas. I believe in honest advice, clear communication, and making the mortgage process as simple and stress-free as possible.
In addition to my mortgage career, I am proud to serve as the Mayor of Barstow after previously serving four terms on the City Council. My years of public service reflect the same leadership, accountability, and commitment that I bring to every client relationship.
Throughout my career, I've been honored to receive several recognitions, including Golden Empire Mortgage's Presidents Circle for top closings, Affiliate of the Year from the Barstow Association of Realtors, Man of the Year from the Barstow Chamber of Commerce, and the Barstow Police Department Medal of Excellence.
Whether I'm helping a first-time buyer take the first step toward homeownership or assisting a longtime homeowner with new opportunities, I'm committed to providing the experience, trust, and hometown values my clients deserve.
Why Clients Choose Me
Personalized guidance
Fast communication
Honest answers with no pressure
Local knowledge with statewide lending
Support from application through closing
I Can Help With
🏠 First-Time Homebuyers
🏡 Conventional Loans
⭐ FHA Loans
🇺🇸 VA Loans
🌾 USDA Loans
💰 Down Payment Assistance
🏘 Investment Properties
🔄 Refinancing
How It Works
1. Complete the Quick Form
Fill out the short form with some basic information about yourself and your homeownership goals. Whether you're ready to buy now or just exploring your options, I'm here to help.
2. Let's Talk
I'll personally review your information and reach out to discuss your goals, answer your questions, and explain your financing options. There's no pressure and no obligation—just honest guidance tailored to your situation.
3. Get a Personalized Loan Plan
Based on your financial goals, I'll help you determine what loan programs you may qualify for and outline the next steps. Together, we'll build a clear path toward homeownership and make the mortgage process as smooth and stress-free as possible.