Your Family, Your Future... Our Focus.


Take a drive on what will be Crystal Dr in National Landing

The Mortgage scene

Focusing on the DC Metro area as seen through the eyes of Tim Kelly, CMPS | Sr. Loan Officer, NMLS ID #376030.

First Time Home Buyers

Classes, tips, tricks, and more

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 Location, location, location. Learn about investing in income properties.  

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Existing Home Owners

Your mortgage matters. Classes, tips/tricks, and refinance calculators.

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Why Do I Need To Apply For Financing Before I Find A Home?

 This video answers a FAQ: Why Do I Need To Apply For Financing Before I Find A Home? 



Amazon Picks New York City, Northern Virginia for Its HQ2 Locations.

E-Commerce giant it expected to make announcement on HQ2 as soon as Tuesday.

 Updated: 12:16 AM ET, Tue Nov. 13, 2018 

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Report: Amazon pick New York and Northern Virginia for HQ2.

Updated: 4:11 AM ET, Tue Nov. 13, 2018

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Washington Post

Northern Virginia property owners are delighted Amazon HQ2 will be moving in. Renters, first-time buyers, and low-income residents aren't.

Published: 6:00 AM ET, November 13, 2018

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Washington Business Journal

JBG Smith is busy in Crystal City, pulling permits and setting up LLcs.

Published: 5:04 PM ET, Nov. 12, 2018

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Market Watch

Amazon 'HQ2' will boost house prices in chosen cities, but not like in Seattle.

Published: 8:02 AM ET, Nov 10, 2018

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Why Amazon HQ2 Arrival Might Not Be So Great for Commuters
Aired: 5:51 PM ET, Nov. 9 2018

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Meet the Team

The TK Mortgage Team

 We have the vision to be the world’s most respected mortgage brand. To accomplish this, we have created a culture that supports our team members, so they can deliver unmatched service and products to our customers and industry partners, while fulfilling the American Dream of homeownership. mortgage lender in Crystal City mortgage lender in Arlington mortgage lender in Fairfax

Tim Kelly

Senior Loan Officer (NMLS ID #376030) – Tim brings more than fourteen years dedicated to the mortgage industry, to Highlands Residential Mortgage as a Branch Manager. Since 2005, Tim has helped hundreds of individuals and families achieve the dream of homeownership. He takes the time to understand his clients' financial situation in order to recommend the best mortgage with the lowest interest rate available. Tim’s goal is to recommend programs that can help clients save for the future, invest with confidence, and enhance net worth. Tim takes the time to treat every borrower as if they are his only customer. Combine this with his industry knowledge and strong local network and it is clear why the vast majority of his clients are personally referred to him. Whether your client is a first-time home buyer or a seasoned investor, he can help you obtain a mortgage to fit their unique situation. Tim is committed to becoming your mortgage professional for life.

 2017, 2016, 2015 Top 1% of Mortgage Originators in America

 2018, 2017, 2016, 2015, 2014 President's Club Recipient

 Ranked in the top 5 Loan Officers in the Country by Individual Production (volume) for Highlands Residential Mortgage in 2014, 2015, 2016, and 2017

 Since 2014 has helped over 200 first time buyers with their purchase

 +100 ‘5’ star ratings on Yelp!, Facebook, and Zillow

 Certified Mortgage Planning Specialist® since 2017

 Certified Military Home Specialist since 2017

 Creator/Founder of ‘The Mortgage Scene’

Lauren Gill

Loan Partner of Tim Kelly (NMLS ID # #1031653) – Lauren joined the TK Lending Team in 2016. She brings nine years of experience working in the mortgage industry, to Highlands Residential Mortgage. As a Loan Officer Assistant, she prides herself on exemplary customer service and always strives to make sure the lending process is as easy and stress-free for the client as possible. Lauren works as a liaison between customers, processing, business referral partners and 3rd parties to make sure that all deadlines are met and the transaction runs smoothly. Along with Tim Kelly, her goal is to make sure you have the best experience possible and continue to use the TK Lending Team for all your future lending needs.

Contact Us

Drop us a line!

Better yet, see us in person!

We love our customers, so feel free to book an appointment during normal business hours.

The TK Mortgage Team powered by Highlands Residential Mortgage

5860 Trinity Parkway Ste 100 Centreville VA 20120

(571) 308-3660




Contact Highlands

Telephone: 469-402-1200

Tollfree: 866-912-7511

12001 N. Central Expressway, Suite 750

Dallas TX 75243

NMLS ID #134871

An Equal Housing Lender

Highlands Residential is an Equal Housing Lender.