Timblin Financial · California
Most California homeowners don't realize their family has zero protection if something happens to them. PMI protects the bank — not your family. Here's what you need to know.
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What mortgage protection is, what it costs, and why new California homeowners need it.
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The problem most homeowners don't know they have
You saved for years. You got approved. You signed the papers and got the keys — and for the first time, that house was yours. The place your kids would grow up, where you'd finally build your legacy.
But here's what nobody tells you at closing: that mortgage doesn't care what happens to you. It shows up every single month — no matter what.
Your mortgage doesn't care if your income stops immediately because of a Heart Attack or a Stroke.
Most families are one unexpected event away from losing everything they worked for. Not because they were irresponsible — but because they never had a plan for an accident or diagnosis they couldn't predict.
Within 90 days of a missed payment, lenders begin the default process. Within a year, families are forced out of homes they spent a decade trying to get into. It happens quietly, and it happens constantly — and almost every single time, it was preventable.
That's exactly why we're here to provide peace of mind for you and your family!
How it works
No pressure, no pitch. Zack looks at your specific situation — your mortgage, your age, your health — and shows you exactly what you qualify for.
Zack works with California's top A-rated carriers to find you the best coverage at the lowest price. Most homeowners are surprised by how affordable it is.
If you choose to move forward, coverage can be in place the same day. If not, you've lost nothing — just 15 minutes and some valuable information.
What does it actually cost?
Most California homeowners are surprised by how affordable this really is. Here are sample monthly rates for a healthy, non-smoking 40-year-old male on a 10-year term policy:
Sample rates for a 40 y/o healthy, non-smoking male. Rates vary by age, health, term, and carrier. Zack will find your exact rate in 15 minutes — at no cost to you.
Licensed Insurance Specialist · Timblin Financial · California
I started Timblin Financial because I saw too many California families blindsided by a situation they could have easily prevented. My job isn't to sell you a policy — it's to make sure you understand your options so you can make the right decision for your family.
Every client I work with gets a straightforward conversation, honest numbers, and zero pressure. If mortgage protection makes sense for your situation, I'll show you exactly how. If it doesn't, I'll tell you that too.
Follow on Instagram @zack_timblinNo cost. No obligation. No pressure.
A 15-minute call with Zack is all it takes to know exactly where you stand — and what it would cost to make sure your family never loses the home you worked so hard to build.
Prefer to call or text? Reach Zack directly anytime.