Tim Stacey
NMLS Verified

Tim Stacey

Stacey Solutions - Powered by Xpert Home Lending, Inc NMLS 2179191NMLS #2041923
Fairfield, CA6 Years of Experience1 Trusted Pro Network

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

100
Loans Closed
$59M
Loan Volume
3
Loan Types

Loan Specialties

Fixed-Rate

Interest-Only

VA

Jumbo

Adjustable-Rate

FHA

Who I specialize in helping

First-Time HomebuyersVeterans & Active-Duty MilitaryBuyers Needing Down Payment Assistance

Recently Closed Leads

Loan TypeLoan AmountPurposeCityClose Date
VA$563,480PurchaseYuba City, CA10/05/2026
VA$453,000RefinanceSuisun City, CA09/30/2026
FHA$457,000RefinanceSanta Rosa, CA09/09/2026
Conventional$301,200PurchaseSacramento, CA08/20/2026
Conventional$607,830PurchaseBenicia, CA07/27/2026
Conventional$578,000PurchaseVacaville CA 9568807/08/2026
Conventional$807,400PurchaseVacaville CA 9568706/22/2026
VA$661,889RefinanceFairfield CA 9453406/15/2026
VA$965,294RefinancePetaluma, CA05/13/2026
FHA$514,420PurchaseFairfield CA 9453304/28/2026

Photo Gallery

Reviews

5.0 (47 reviews)

September

Aug 2, 2025

5.0
zillowZillowVERIFIED

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

5.0
zillowZillowVERIFIED

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

5.0
zillowZillowVERIFIED

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

5.0
zillowZillowVERIFIED

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

5.0
googleGoogleVERIFIED

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.