Tim Higgins, a lifelong Marylander, has over 28 years of experience in the mortgage industry. He currently serves as Regional Manager for the Mid-Atlantic Region, a role he’s held for more than a decade. Known for his results-driven leadership, Tim has grown his region’s production f...

Tim Higgins, a lifelong Marylander, has over 28 years of experience in the mortgage industry. He currently serves as Regional Manager for the Mid-Atlantic Region, a role he’s held for more than a decade. Known for his results-driven leadership, Tim has grown his region’s production from $350 million in 2014 to over $1.4 billion in 2020, with more than $8 billion in total closed production and the addition of 80+ loan officers to his team.

Tim is passionate about creating a mortgage experience that stands apart in today’s competitive market. In this digital age, homebuyers have many lenders to choose from. At Embrace, it’s our highly skilled sales professionals and dedicated support teams that make the difference, providing a level of care and service that produces raving fans time and time again.

Tim’s achievements have been recognized with numerous awards, including:
• Regional Manager of the Year: 2016, 2018
• Top Producing Region: 2014, 2015, 2016
• Top Branch Manager: 2009–2013
• Top 10 Loan Officer: 2009–2013

With a background in coaching, Tim is dedicated to mentoring loan officers and branch managers, helping them grow their businesses and achieve their goals. His leadership is guided by a commitment to fostering a supportive and high-performing culture that makes a lasting impact on his team and the communities they serve.
Tim grew up in Gaithersburg, Maryland, and holds a B.A. in Sociology from the University of Maryland. He currently resides in Baltimore with his wife, Emily, and their daughter, Maya, who is thriving at Virginia Tech. Outside of work, he enjoys spending time with family and friends at their beach home in Ocean City, Maryland.