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The Home Team

Tim Porter
NMLS#291245
Licensed in CA
View My Testimonials

Annie Porter
NMLS#1102680
Licensed in CA
View My Testimonials

Phone: 707.474.5032
Cell: 707.363.5207
Fax: 707.474.5992

About Tim & Annie


As one of the top loan teams in Solano County, Tim and Annie are dedicated to teaching financial literacy and establishing prosperity for their valued clients. Upon creating a partnership in 2012, they have risen to the challenges of an uncertain real estate market earning Presidents Club honors for the past 3 years. Together they have over 16 years of experience and knowledge in the mortgage industry. Their unique focus on making each client a priority has helped thousands of clients achieve the dream of home ownership.

Tim joined the family business in 2003 and has earned the annual title of Top Producer since 2006. His top priority is treating all clients with the utmost respect and compassion, going that extra mile to provide exceptional service and build strong relationships for life. He understands that our customers, both realtors and borrowers alike, are the lifeline to our business. Without cultivating and nurturing those relationships, success is impossible. His greatest joy is being a father and hopes that one day his daughter will join the family business. In his free time, Tim enjoys watching the San Francisco Giants, playing golf and spending time with family.

In 2012, Annie decided to return to her home town and join the team. Annie had previously earned her Bachelor’s Degree from CSU Chico in 2006 and worked in the insurance business investigating fraud. Her previous experience brings a wealth of knowledge to the business; focused on efficiency and working proactively. She enjoys the challenge that comes with complex and intricate files, and is constantly learning and evolving, focused on leading the industry with creativity in mind. Annie is a longtime athlete and an outdoor enthusiast. She enjoys spending her free time with family, friends and her two Weimaraners.

Tim and Annie demand results. Concentrating on all aspects of this business, they work within their proven system that preserves the highest quality of service and ensures success.

Branch Location: 520 Main St. Vacaville, CA 95688


Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

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