Tim Bertram

Senior Loan Officer

Tim was born in Erie and raised in North East, PA., after graduating from Penn State University, he moved south. Tim began working in the real estate industry in the 1980’s in the title insurance business. After a few years of learning the ins and outs of the title industry, he opened his own mortgage brokerage company in Boca Raton, Florida.

Tim moved back home to be closer to family, and opened his own Mortgage Brokerage Company in Erie in 2002. After hearing about the flexibility and the support team Holland Mortgage has to offer his clients, Tim transitioned over to Holland Mortgage in 2015.

With the constantly changing lending environment and the fact that no two loans are ever the same, the process can be quite intimidating for new clients. To help reduce their concerns and anxiety, Tim uses his expertise, and experience to help them pick out the best loan for their individual scenario. Tim believes that keeping his clients in the loop with communication at every milestone in the process is the reason why they refer family and friends to him for their mortgage needs.

Tim lives in Harborcreek, PA. and enjoys sailing on Lake Erie in the spring, summer and fall, and snow skiing in the winter.

“Professional, courteous. Process was very timely and not stressful. Thank you for a great experience HMA :-)”

-Michelle P.

"Thank you again, Tim. Your expertise with this complicated matter was a great ease on our psyche. Your willingness to take a phone call and/or email at any time for questions and concerns we had really helped guide us through the process. Just the fact that we met and exceeded our closing date still amazes us. Thank you for walking us through this whole hurdle."

-Andrew W.

"Thank you for your help and also thanks for all you and your group did to help through the refinance process."

-Ron G.

"Thank you, Tim! I appreciate all of your help with the purchase of my house and the refi. You have made a good experience and have been up front through out. Good service is a quality that's hard to find these days. I always recommend you and Bill when real estate come up in conversation. I hope you're doing well. Thank you again!"

-Paul L.

“Tim and his team were so helpful and kind. I first worked with Emily and had so many questions and she always responded happily and sincerely and never made me feel dumb for asking. Then I worked with Dana and she was just like Emily, extremely helpful, and happy, and always had an answer for me and was just so nice to work with, and lastly I worked with Nancy and Jen at the end and they were quick to respond and helpful, they got everything figured out so quickly and in a very short day and a half span they worked thru the final issues like it was the easiest job for them (though I'm sure from their end it wasn't as easy as it looked to get those final docs quickly to close). Tim has an amazing group working for him and I hope that team stays working together for a long time because they work so smoothly with each other.”

-Jill W.

“Tim at Holland mortgage’s made my life easier than I could have every expected. Everyone talks about how challenging the process is and I didn’t find that to be true. From start to finish the process was easy and Tim and his team were always there when I needed them. Thank you again so much.”

-Cody

“Tim was excellent to work with very attentive to my needs. The utmost professional customer service and friendly advice. It felt like I was working with the trusted friend rather than a mortgage broker. Tim exceeded All my expectations and then some. My entire move and mortgage process was quite nerve-racking, the only part of my experience that was smooth was working with Tim!”

-William S.

“Tim was wonderful to work with. He explains everything you need and will take the time to communicate with you outside of office hours. He made my experience easy especially for a first time home buyer with little understanding in the home buying process.”

-Meg