Tim Alm, Senior Mortgage Consultant

Benefits of Working with Tim Alm and PHH Home Loans

PHH Home Loans is one of the top five largest retail originators of residential mortgages in the country and is part of the PHH Mortgage family of companies. An innovator in the retail mortgage business PHH Home Loans offers a portfolio of solutions, unmatched service quality and as always, competitive pricing. 

  • Peace of Mind - Problems with financing are the #1 reason closings fall apart — even for pre-approved buyers. PHH Home Loans stands behind its pre-approvals to assure you of a smooth, hassle-free closing.
  • Competitive Rates - Because our rates and terms are among the very best; we can save you thousands of dollars over the life of your loan. Call and check us out!
  • Guaranteed Costs - Good Faith Estimates are just that... estimates. But will your other lender GUARANTEE your closing costs? We will!
  • Quick and Easy - Available in person, by phone or e-mail — and in less than 24 hours we will have an answer you can rely on. Even more convenient, you can apply online right now - just click on the secured link above.
Client testimonials applaud PHH Home Loans with tributes like, “Our home buying experience was a quick, easy and stress-free process,” “A team-effort success story,” and “The closing went smoothly and without any surprises.” …It’s what getting a mortgage should be!

Save time and use our convenient secure loan application open 24/7.        
We will contact you immediately that your information has been received.


 *HARP Home Affordable Refinance Program
* HUD Good Neighbor
* $100 Down Payment
* Ramsey County FirstHome
First Time Homebuyer
* Conventional Financing with 3% Down
* Zero Down VA Loans
* FHA Buydown
* Down Payment Assistance
* Jumbo Loans
* Pre-Purchase Rate Protection Plan!

Tim Alm
Senior Mortgage Consultant
NMLS# 250061

Contact Information:
Phone: 651-294-0217
Fax: 651-779-6688
Cell Phone: 612-750-0925
Email Me

3580 Linden Avenue
White Bear Lake, MN 55110

Visit My Website

PHH Home Loans, LLC, 1 Mortgage Way, 3rd floor, Mt. Laurel, NJ 08054. NMLS ID #4256 (www.nmlsconsumeraccess.org) Arizona Residential Mortgage Licensee #BK 0907270; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Regulated by the Colorado Division of Real Estate; Illinois Residential Mortgage Licensee #MB.6759865; 100 W. Randolph, 9th floor, Chicago, IL 60601, 800-532-8785; Minnesota - This is not an offer to enter an interest rate lock-in agreement; Licensed Mortgage Banker - NYS Banking Department; Equal Housing Lender.

NMLS Consumer Access