Tim Gibson

Tim Gibson is an accomplished underwriting professional with extensive experience in the mortgage industry. Currently serving as an Underwriter at Granite Mortgage since March 2024, Tim previously held the position of Senior Mortgage Underwriter at Luminate Home Loans, where expertise was applied in credit-risk analysis for complex government residential mortgage loans, focusing on FHA and VA loan applications. Prior roles include Senior Underwriter at Celebrity Home Loans, where collaboration with various production groups enabled financially responsible underwriting decisions and involved training new hires on industry trends and company standard operating procedures. Tim's career began at The Servion Group, progressing through roles from Mortgage Loan Processor to Senior Mortgage Underwriter across USDA, DE, and VA authorities. Tim holds a Bachelor of Arts degree in Communication from Saint John's University.