04 Nov 2015

USDA Rural Development & USDA Home Loans

USDA Rural Development & USDA Home Loans

Worried About Your Down Payment?

With the economy in uncertain times you can buy a home and keep your hard earned money in the bank!

USDA Rural Development/USDA Loans

It is called by many names like No Money Down Mortgage, USDA Home Loans, Zero Down Mortgage or 100% Financing it is available and fairly easy to qualify!

Imagine buying your dream home with little to no money down with:

  • NO prepayment penalty
  • NO balloon
  • NO Adjustable Rate!
  • NO PMI
The Florida Real Estate Market is Begging You to Buy!

Is Your House in the Right Location?

The property has to be eligible for a USDA Rural Development Loan. If you don’t have a property picked out yet, let us know so we can point you in the right direction.

Do you make too much money?

Not a bad problem to have but it may keep you from qualifying for a USDA loan. There are certain income limits put into place depending upon the size of your family.

Florida Real Estate is One Huge Discount Sale and You Can Buy With No Money Down!

Since we are located in Lee County Florida we have become experts on USDA home loans.

The cities around us with areas that qualify for a USDA Loan are:

Lehigh Acres Real Estate, San Carlos Park Estate, Naples Real Estate, Marco Island Real Estate, Alva Real Estate, Golden Gate Estate Real Estate, Bonita Springs Real Estate, Estero Real Estate and many others!

Find Out Today if You Qualify for a USDA Loan!

04 Nov 2015

Florida VA Loans & VA Mortgage

Florida VA Loans & VA Mortgage

VA Loan are designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.It is generally easier to qualify for a VA loan than conventional loans.

Here’s how it works:

  • 100% financing without private mortgage insurance or 20% second mortgage.
  • A VA funding fee of 0 to 3.3% (this fee may be financed) of the loan amount is paid to the VA.
  • When purchasing a homeveterans may borrow up to 100% of the sales price or reasonable value of the home, whichever is less.
  • When refinancing a home, veterans may borrow up to 90% of reasonable value in order to refinance where state law allow
04 Nov 2015

Florida FHA Mortgage & FHA Mortgage Rates

Florida FHA Mortgage & FHA Mortgage Rates

Florida Real Estate and FHA Mortgage Rates Are At An Time Low!

Are you going to look back on 2011 and wish you bought your dream home?

Why an FHA Mortgage?

  • 3.5% down payment that can be gifted from a family member!
  • Low 30 year fixed FHA interest rate
  • No Prepayment penalty, No balloon and No Adjustable Rate Mortgage!
  • 6% Seller paid closing costs allowed

The majority of our first time home buyers use an FHA Mortgage to buy their new home.

FHA Mortgage Rates are at an all time low and so is the price of Florida Real Estate!

04 Nov 2015

Florida 2nd Home Mortgage & 2nd Home Mortgage Rates

Florida 2nd Home Mortgage & 2nd Home Mortgage Rates

2nd Home Mortgage Rates And Florida Real Estate Are At An All Time Low!

Did you know the last time it snowed in Naples or Cape Coral was 1984?

We understand why thousands or people are obtaining 2nd Home Mortgages in our area and are happy to help them out!

Whether it is the fishing, golfing, boating or you just want to never see snow again, you have chosen the right place for your 2nd Home.

The really good news is that we can help you get approved for your 2nd Home Mortgage and the qualifications are fairly easy!

How Low Can it Go?

That seems to be the question on everyones mind when buying a home and here is our answer.

No one knows!! But…….

We Have a Better Question For You!

If you think Florida Real Estate has not hit bottom, then how much lower can it go? 5%? 10%?

With home prices so discounted is holding out for another 5% to 10% really worth it?

Using a 30 year fixed rate of 5% on a loan amount of $100,000, a 5% decrease in value would equal an extra $25 a month!

Is it worth $25 a month to miss out on your dream house?

04 Nov 2015

Conventional Mortgage

Conventional Mortgage

Florida Real Estate and Mortgage Rates are at an All Time Low!

Are You Going to Look Back and Wish You Bought a Home?

Please do not think we are exaggerating about our current market conditions.

Florida Real Estate, especially in Fort Myers and Cape Coral, is selling quickly!

Imagine buying your dream home with a mortgage like this:

  • No Pre Payment Penalty!
  • Low Fixed Rates!
  • Adjustable Rates Available!
  • 2nd Home and Investment Property. OK!

How Low Can it Go?

That seems to be the question on everyone’s mind when buying a home and here is our answer.

No one knows!!

But……..

We Have a Better Question For You!

If you think Florida Real Estate has not hit bottom, then how much lower can it go? 5%? 10%?

With home prices so discounted is holding out for another 5% to 10% really worth it?

Using a 30 year fixed rate of 5% on a loan amount of $100,000, a 5% decrease in value would equal an extra $25 a month!

Is it worth $25 a month to miss out on your dream house?

04 Nov 2015

Who Do You Trust With the Biggest Investment of Your Life?

Who Do You Trust With the Biggest Investment of Your Life?

The real estate and financial markets have been in constant turmoil. Almost 70% of Mortgage Broker Business and Wholesale Lenders are out of business but Tim Hart and Vandyk Mortgage is still standing.

There is a big reason that we have made it through the largest financial crisis of our lifetime.

Plain and Simple We Take Care of Our Borrowers and Will Do the Same for You!

Who Is Tim Hart?

The Tim Hart team opened in 2004 and is committed to providing our clients with the highest quality financial services as a direct Florida mortgage lender for FHA, VA, USDA Rural Development and Conventional loans combined with the lowest Florida mortgage rates available.

Please read the testimonials on Tim Hart’s past clients by Clicking Here!

04 Nov 2015

Florida Home Loans Rates are at an All Time Low!

Florida Home Loans Rates are at an All Time Low!

Are You Going to Look Back on this time and Wish You Bought a Home?

Please do not think we are exaggerating about our current market conditions.

Florida Real Estate, especially in Fort Myers and Cape Coral, is selling quickly!

Imagine buying your dream home with a Florida home loans like this:

  • No Pre Payment Penalty!
  • Low Fixed Rates!
  • Adjustable Rates Available!
  • 2nd Home and Investment Property. OK!

How Low Can it Go?

That seems to be the question on everyones mind when buying a home and here is our answer.

No one knows!!

But……..

We Have a Better Question For You!


If you think Florida Real Estate has not hit bottom, then how much lower can it go? 5%? 10%?

With home prices so discounted is holding out for another 5% to 10% really worth it?

Using a 30 year fixed rate of 5% on a loan amount of $100,000, a 5% decrease in value would equal an extra $25 a month!

Is it worth $25 a month to miss out on your dream house?

04 Nov 2015

First Time Home Buyers

First Time Home Buyers

What a Great Time to be a First Time Home Buyer in Florida!

Buy Your New Home Today for Cheaper Than You Can Rent!

The Life of a First Time Homebuyer

The stars have aligned for the first time home buyers in Florida and Tim Hart is more than happy to walk you through the entire loan process. Being a part of you buying your first home and knowing that we did everything possible to make it go as smooth as possible is one of our  true joys. We know it sounds clichéd but it is the truth!

Why Buy a Home Today?

If you are a first time home buyer please think of everything that you have available to you to purchase your new home instead of renting.

  • 100% Financing: You can still buy a home in Florida with Zero Down by using a program called USDA Rural Development or USDA Home Loans. Click Here for more information on this No Money Down Loan.
  • FHA Mortgage: An FHA Home Loan has a low 30 year fixed rate and allows you to use a gift from a family member for your 3.5% down payment. Click Here for more information on our Florida FHA Mortgage.
  • Rent vs. Own: Use our Free Mortgage Calculator to compare your new mortgage payment to the amount of rent you pay now. If your new mortgage payment it will only make sense to purchase your new home. Stop throwing your money out the window and click here to use our Free Florida Mortgage Calculator!
04 Nov 2015

Debt Consolidation

Debt Consolidation

How Much Money Would You Save With a Debt Consolidation Loan?

Imagine the Feeling of Paying Off Your Credit Card Debt!

With mortgage rates at an all time low it is now time to examine your current mortgage and financial situation.

Ask Yourself the Following Questions:

  • Do you have equity in your current home?
  • Do you have too much credit card debt?
  • Is your interest rate high?
  • Do you want to lower your total monthly payment?

If your answer is “YES” to any of those questions you should use our apply for a refinance for FREE today.

You Can Have an Answer Back Within 24 Hours!

Apply Today by Clicking Here!

We have created a tutorial for our Borrowers called Florida Mortgage University. The home buyer tips are Free and you can check them out by clicking here: Florida Mortgage University
Do you have questions or concerns?

Please call us at and speak with Tim Hart today or use our Ask an Expert and we will get back with you as soon as we can.

Make it a great day!

04 Nov 2015

Work With a Good Realtor

Work With a Good Realtor

Realtors are FREE so Take Advantage of it!

Using a Realtor is to Your Advantage!This is a very important step in insuring a smooth transaction in the purchase of your new Florida home.A big mistake that new buyers will make is to drive around and call real estate signs, talking to about ten different agents, hoping to find their piece of the Florida Real Estate.A Realtor does not cost a buyer anything to hire since they are paid for out of the seller proceeds.You can use one of our recommended Florida Realtors or we can work with the one you choose.Interview Your Realtor Before You Hire Them.Before you make your Realtor choice there are some questions that you should ask before you make your choice.Is your Realtor full time?How long have they been a Realtor?Can they provide you with testimonials?Do they have a team and/or a personal assistant?How will they keep in contact with you?Choose Your Realtor WiselyThese are just a few questions that you can ask but make sure you don’t pick a Realtor just because your Mom’s cousin, neighbors daughter just became a Realtor.Pick an experienced and knowledgeable Realtor to help you in your home purchase, you won’t regret it!