Hal Timinsky, Closing Loans is My Business (Nations Lending) Mortgage and Lending



Hal Timinsky
Closing Loans is My Business
location_on Chandler, AZ — Nations Lending
NMLS #173437
Get to Know Hal Timinsky

NMLS Licensed Originator # 173437

It is important that you have a licensed Mortgage Loan Officer that listens to you and is attentive to details, so you have a problem-free experience.  Whether Hal Timinsky helps you with a home purchase or refinance, he has the wisdom and experience to guide you through the entire loan process. 

With a comprehensive knowledge of the mortgage industry and the local marketplace, Hal Timinsky, is highly skilled at evaluating each situation and identifying the best financing options for his clients.  

Treating each client as an individual and providing personalized service are two key components of Hal Timinsky's business protocol.  He prides himself on providing exceptional personal service coupled with a deep understanding of the mortgage industry.  Hal's commitment to customer service continues long after you have signed your closing documents. When changes arise in the interest rates or market activity that may be advantageous to you, be assured that he will contact you and advise you of your options. 

Although  today's consumers are educated and well-versed in the mortgage market, you need a Mortgage Loan Officer that knows the market inside and out.  With an investment of this size, you want to know that you are in capable hands and that nothing is left to chance.  There is just no substitute for professional experience in a transaction of this magnitude. 

One of the most important part of Hal Timinsky's job is communication.  Hal takes ample time during the entire process to discuss and explain all of your options.  


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Nations Lending Corporation NMLS# 32416. 4 Summit Park Drive, Suite 200, Independence, OH 44131




First time homebuyers, Move-up buyers. I have over 40 years of lending experience and I help explain how the process works in simple language and design a mortgage that meets your specific needs.


By taking a very structured approach to your home financing, we have the ability to get you set and approved to buy your new house well in advance of the closing date. That means no additional last minute stress for you, worrying that something is going to go wrong and fall through at the 11th hour! Although exciting, this process can be difficult at times, and I am here to support you every step of the way. From laying out the plan for you so you know exactly what to expect, to being there to work through any early challenges you might have to overcome, we’ll put you in the best possible position to get you into your new home!

Mike A.
Hal did a great job staying on top of each step and keeping me informed. He answered my emails in a timely manner and let me know what was needed of me every step of the way. Though it can be nerve racking going through a refinance, he assured me the process was going smoothly. He was confident and knowledgeable which helped keep me grounded. I would recommend Hal to anyone looking for a home loan.
Robbie B.
Hal was prompt with answering all of the questions I had as a first-time home buyers, making sure I understood every step through the process. Hal was also extremely professional and timely when it came to paper work and chasing down loose ends from both parties of the transaction.
Dan S.
Mr. Timinsky is very highly recommended . He is most knowledgeable and proficient in his position. Hal address all ones needs, responds back promptly to questions and situations with the loan process. He has a fun personality, yet still is very professional. Will always refer back to him for future business. Thank you for making our dream come true.
Eric L.
Hal always was available to answer any and all of my questions. He went out of his way to make sure that I understood every aspect of the loan process. I would highly recommend Hal for as a mortgage agent. I will give Hal a 10....
Shay M.
Hal is patient with us as we gather the documents he needs and keeps us posted along the way. He'll call us, too, which gives the process a personal touch. He's a super nice person to chat with as he shares industry trends and about life.
Monica F.
Rates were very competitive, Hal did a great job taking us, step by step, thru the entire process, and we felt everything was under control and focused throughout. This is the second time we have worked with Hal and would recommend him with enthusiasm.
Trini H
We’ve been doing mortgages with Hal for almost 20 year and we are always satisfied! He’s very professional in all steps of the process!
Melissa B
Hal kept me informed throughout the loan process. He guided me through each step, and made a painful process almost painless. Hal is professional, thorough and honest and it was a pleasure to work with him. I highly recommend Hal to anyone looking to buy or refinance a home.
Marty L
Hal provided a very personal level of customer support that allowed our loan to go through very quickly. I highly recommend Hal Timinsky and Nation’s Lending!
Scott F.
Hal is very knowledgeable and answers any questions extremely quickly, the best in the business in my opinion. I will definitely send anyone I know looking to finance a home his way. Everyone at Nations Lending that I dealt with was professional and extremely helpful.
Brandon M
I firmly believe that we wouldn't be in this new home if it wasn't for your help. You made the impossible possible! Words cannot describe how thankful we are for you and your willingness to go the extra mile with credit challenges. You changed our life! Thank you so much!
Pam K.
Rapid response & extreme knowledge and PATIENCE from Hal. Good instruction and very detail-oriented personable agent. Thanks again Hal for making it happen! 
Lynn S
Hal is extremely knowledgeable. He was always available to answer our questions. He has a delightful sense of humor, that takes the edge off during stressful situations. I highly recommended his services.
Jim F
Hal went above and beyond his service; even providing information to another agency when it looked like I would need to use a different lender for a mobile home loan. He almost always answered the phone immediately, was very helpful, and kept me informed at every step of the mortgage process. I couldn't ask for a better loan officer. He is a quality individual and a true friend.
Chad F.
Hal was extremely thorough in his explanations of the loan process. He was unfailingly pleasant, and was very patient with me when I became frustrated while trying to come up with required documentation. Additionally, he put in extra effort to get the loan processed ahead of schedule.
Hal, We found you to be very approachable and right away felt you to be our advocate. The first evening that Joel called you, the two of you spoke until 9:30PM and that was on a Saturday night! Your communication was excellent. You kept us in the loop on a continuous basis. We didn't have to check with you. We knew if we didn't hear from you, there was nothing new to know. We felt you to be very knowledgeable as well as a diligent and hard worker.
David R
Hal Timinsky is very knowledgeable, personable, and professional. I have been a Real Estate Broker and past lender for over 27 years. There are many lending choices to refer my clients to. Hal Timinsky will take the time needed and will personally follow up with his clients to move the clients to clear to close. I always refer Hal..
Paulette S.
I found I would at times wonder if I was doing the right thing buying a new home.  Big step for me!  But Hal Timinsky and his team were so helpful, available whenever I NEEDED TO SPEAK WITH THEM.   I felt I could trust Hal, he kept me up to date on everything as we progressed through the process I would highly recommend Hal Timinsky and his team at Envoy. Paulette S.
Patricia R.
This was my first experience in buying a home. Hal had the patience to go over in clear easy to understand language so that I knew everything to expect. He even made it easy to follow the online computerize stuff that makes no sense for me. I'm still amazed that I can walk into my beautiful new home... and know that it's really mine.  Thank You Hal.
Jay M.
Above and Beyond Hal was great through the whole process. He sat down with me and explained each step and the reasoning why. This was invaluable later in the process when the federal requirements came in requesting a long list of documents. Since the refinancing process was a new experience to me these requests would have appeared unnecessary. Hal was patient and understanding and kept me focused.”
Bobbie B.
If you're looking to buy a home, refinance etc., please check him out. He will have your back and look out for your best interests. He's tolerated me for about the last eight years through my first home purchase and refinancing and never steered me wrong. He's been in the business for 35+ years, and is a very knowledgeable, caring and a personable professional to deal with. Thank you again, Hal, for all you've done for me.
Nate K.
Hal in one word.... OUTSTANDING. We had been talking to a few lenders and had tried banks. They were unhelpful due to my specialty job. Hal went above and beyond, educating me along the way, helping me clear things up that needed to be taken care of. We chose to buy a foreclosure which required special hands. I grew up around real estate, my dad has been an investor for more then 30 years. I have never dealt with a better lender or more on top of things than Hal was during the entire process. My wife and I felt like family and if something was important or we had a question even in the evening he was right on it. If there was a Gazillion star rating I would give Hal and the entire Envoy team that. Anyone of my friends family or future transactions will go to him. His experience of 39 years shows for sure.
Judy G.
Hal immediately returned my several phone calls and was very responsive to my questions and needs; even on the weekends. I found him to be very thorough, considerate, knowledgeable, and made some very good suggestions to resolve issues. I would strongly recommend him.
Amanda M.
Hal is a genuinely nice man who goes out of his way to be helpful, informative, reliable, and available. Hal does whatever it takes to make sure the loan process goes as smoothly as possible.
Cindy and Dave B.
Hal Timinsky of Envoy Mortgage assisted us through the entire mortgage process from the initial loan application to the loan closing. He lead us through scanning documents and electronic signing of legal forms. Hal was courteous, knowledgeable and professional. He promptly responded to emails and phone calls and addressed any questions or concerns that came up. We were able to close on our home a week earlier than estimated. We highly recommend Hal Timinsky for any mortgage needs.
Lupita D.
Helped me buy a home Looking for the right man Hal is the Man great personality wonderful to explain everything, knowledgeable especially if you are a first time buyer. He will not put your hopes up and let you down he will always give you an honest and truthful answer he will guide you through the entire process and explains why things are needed he just does not request documents with out any explanations.
Andrew W.
Hal was a great help to me in going through the entire loan purchase process. He provided fair advice and honest estimates. He was very thorough in his communication so that I understood what was going on at all times. He also genuinely seemed to be looking out for my best interest throughout the process. Even when there was a last-minute issue with my insurance, he spent the extra time following up with them to ensure that I would be able to close on time. I would highly recommend Hal to anyone seeking an honest, trustworthy loan officer.
James D.
I have used Hal's expertise for nearly twenty years, I have the most confidence in this person. I wouldn't think about going to another real estate financial expert. He is number one with us, I am a military retiree and IBM retiree as well, my wife a 40 year bookkeeper, he is our choice.
Gregory and Ruby P.
I and my wife take this opportunity to thank you for all the help you gave us in obtaining a home loan thru your financial institution. We appreciate that along with your professionalism you had a lot of patience and honestly in answering each and every question or doubts that we had even though they may have been trivial queries. You always showed concern about us from day one that we began house hunting, you would communicate with us over the telephone or via email and kept in touch with us every step of the loan processing, even though we were a diffrent nationality never ever was a day that we felt that we were not wanted nor any bias shown to us. We are sure that you will be in touch with us and keep us updated.

When you are looking for a straight talking licenced mortgage loan officer, give me a call. I have over 35 years of lending experience. Tucson Home Mortgage Lender, Banker, FHA, VA, Conventional