Tim brings over 25 years of mortgage finance experience to Cogent Financial.  He founded the company in 2003 and has served as Broker - Owner since that time.  He has a thorough knowledge of the mortgage industry and available mortgage products, including conventional, non-conforming and government.

Prior to founding Cogent Financial, he has held key management positions with several national mortgage firms, where he was instrumental  in market expansion and operational management.

Tim graduated from Bethel University in St. Paul, MN.  He and his family continue to live in the Twin Cities area.