Tim Stacey
About
Tim Stacey, founder of Stacey Solutions powered by Xpert Home Lending, is a California-licensed wholesale mortgage broker based in Fairfield, serving Vacaville, Travis AFB and Solano County families. He specializes in VA home loans, first-time buyer programs and refinance strategies. Recognized by the National Association of Mortgage Brokers as Mortgage Broker of the Year for 2024, 2025 and 2026, Tim helps homebuyers gain clarity and confidence through wholesale lending options. Tim Stacey NMLS 2041923 | Xpert Home Lending, Inc. NMLS 2179191
Education Certificates
Licensed California Mortgage Loan Originator
Awards
National Association of Mortgage Brokers, Mortgage Broker of the Year 2024, 2025 and 2026
Primary Markets
- American Canyon, CA
- Birds Landing, CA
- Clarksburg, CA
- Courtland, CA
- Dixon, CA
- Elmira, CA
- Fairfield, CA
- Hood, CA
- Isleton, CA
- Napa, CA
- Oakville, CA
- Rio Vista, CA
- Rutherford, CA
- Ryde, CA
- Saint Helena, CA
Client Success
Loan Specialties
Fixed-Rate
Interest-Only
VA
Jumbo
Adjustable-Rate
FHA
Who I specialize in helping
Recently Closed Leads
Photo Gallery
Reviews
September
Aug 2, 2025
One word could not possibly encompass the degree of attention, sincerity, professionalism, empathy and patience Tim exuded during this process. He is an invaluable asset to your team of professionals. And I am pleased to call him my friend. Tim…you freakin rock dude. Thank you…(the cookies are delicious) :)
David
Aug 2, 2025
I called almost a dozen different lenders to obtain rate and closing closing costs comparisons. Tim offered the best rate and closing costs! He also returned e-mails quickly and exceeded my expectations for customer service. If you want the best service, rate, and closing costs - choose Tim!
Swa66erwa66on
Aug 2, 2025
Tim was great to work with. He took time to answer questions and always responded timely. He also was very thorough and had excellent customer service. Best experience I have ever had on a loan and all was completed on time. I will recommend and will use him in the future.
Ettie
Aug 2, 2025
Tim answered every phone call with professionalism. If he didn’t know the answer, he would search till he found it. He was the only lender that took the time to explain everything in details. He made sure I understood every step. I had low credit scores, Tim was able to help me negotiate with creditors to settle debt issues. I have a higher credit score. Thank you Tim!
Timothy
Aug 6, 2026
I had the chance to do a consultation with Tim Stacey, and I was really impressed. He’s incredibly knowledgeable about today’s market, detail oriented, and always thinking several steps ahead. What stood out most was how focused he is on helping his clients save both time and money by finding the smartest financing strategy, not just the obvious one. He also doesn’t shy away from difficult conversations or tough moments. Instead of telling clients only what they want to hear, he’ll give honest advice and help them make the best long term decision. If you’re interviewing lenders for one of the biggest financial decisions of your life, I highly recommend giving Tim the opportunity to show you how he can help.