Tim Newman was born in Atlanta, GA and moved to Pittsburgh, PA when he was nine. During those formative years, his parents’ southern values shaped the man he would become.

“I grew up with southern parents who believed in southern values like God first and family second, and that’s where my emphasis on church and spending time with my family came from,” Tim shares. “I have three siblings, and we are all adopted, so I can relate to just about anyone. For me, it seems natural to find common ground with those from different backgrounds, and that quality has served me well throughout my life.”

Both of Tim’s parents are originally from Jacksonville, so visits to the Sunshine State were a regular part of his upbringing. From an early age, he dreamed of living in a warmer climate.

Tim graduated from the University of Pittsburgh in 2009 and moved down to Jacksonville three years later. There, he began his career in the commercial insurance sector, where he sharpened his financial acumen and his love for connecting with people from all walks of life. In 2013, Tim took the next step in his professional journey, transitioning to the mortgage lending business, and in 2020, he founded North Florida Mortgage Brokers.

Over the past 11 years, Tim has developed a reputation for being a trusted partner. Fundamentally, he provides residential mortgage loans for homebuyers in the North Florida real estate market, but he’s more focused on being an advisor than closing loans.

“What we really do is guide people through the mortgage process wherever they are in the financial spectrum and help them make their dreams of homeownership a reality,” Tim explains. “As mortgage advisors, we are essentially debt advisors, and our overall goal is to provide the least expensive debt options to our clients.”

Tim prides himself on the level of trust he develops with his clients and partners. He has a particular affinity for working with first-time home buyers who have been denied by other mortgage lenders. He is also passionate about partnering with real estate agents, who he considers teammates on the journey to serving their collective clients.

Tim is proud of his role as the owner and primary mortgage loan officer at North Florida Mortgage Brokers, but he’s most proud of his roles as a husband and father. He and his wife, Christine, have three children: Truett (4), Bennett (3), and Caroline (born September 2023).

“We make it a priority to eat dinner together each evening and go to church on Sundays. One of our favorite traditions each week is TacoLu after church at 1122 on San Pablo,” Tim shares.

Tim and his family also enjoy saltwater fishing in the Intracoastal, visiting local playgrounds, trying new restaurants, and meeting with friends.

Today, Tim is more grateful than ever for his time with his family. In 2023, he learned that his daughter, Caroline, had spina bifida, one of the most complex birth defects that still leaves a baby with a chance to survive. Upon hearing this news, Tim and his wife were devastated, but what followed brought them closer together. Caroline underwent spinal surgery, and she is doing spectacularly after her successful fetal surgery repaired her spine and prevented paralysis. Tim is optimistic about the future, but the journey hasn’t been without its challenges.

“From June to November 2023, we experienced challenges that I never dreamed of for my family, including my wife living in a different state while I stayed home with our two boys, all the while running our mortgage business,” Tim says. “At that time, I watched our friends and family galvanize to help support us during a time when we needed it. I gained newfound respect and admiration for my wife, who has to bear the brunt of the burden. She demonstrated poise under pressure and graceful strength that I was blessed to witness firsthand.”

With the hardest part of Caroline’s health journey in the rearview mirror, Tim can now look forward to growing his business while enjoying many more years of joy and abundance with his family. An added bonus is the opportunity to partner with his wife, who owns the mortgage processing company CTC Processors. She works with all of Tim’s clients to ensure a smooth and successful transaction.

“Getting to partner with my wife to deliver exceptional mortgage experiences is a big source of pride because of the example it sets for our kids of the love and devotion it takes to have a successful marriage and business.”