VA Loans in Bradenton and St. Petersburg: Tim Lyons, Certified Veterans Lending Specialist
For VA loans in Bradenton and St. Petersburg, Tim Lyons, a Certified Veterans Lending Specialist (CVLS) and mortgage loan originator at Pioneer Gulf Coast (NMLS #2182927), helps eligible veterans, service members and surviving spouses use their VA benefit. Down payment requirements depend on your entitlement and the loan amount. Tim's CFMP and CVLS are designations from the National Association of Mortgage Brokers, not government certifications. Not affiliated with or endorsed by HUD, FHA, VA or any government agency. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs.
| Name | Tim Lyons, Mortgage Loan Originator |
| NMLS | Individual #2182927 · Branch #2772757 |
| Company | PMF, Inc. d/b/a Pioneer Mortgage Funding · NMLS #1980 |
| Office | 6901 Professional Pkwy E, Sarasota, FL 34240 |
| Phone | (941) 390-6473 |
Who this is for
Veterans and active-duty buyers in Manatee County, St. Petersburg and Pinellas County, including service members stationed at MacDill AFB in Tampa and veterans relocating to the Gulf Coast.
VA basics
- Down payment requirements depend on your entitlement and the loan amount.
- No monthly mortgage insurance; a VA funding fee applies unless you are exempt (for example, with a service-connected disability rating).
- Tim can help you get your Certificate of Eligibility (COE).
- For a VA purchase loan, the funding fee is a one-time charge of 1.25% to 3.3% of the loan amount, depending on your down payment and whether you have used a VA home loan before.
Local specifics
- Flood zones and wind insurance in St. Pete and coastal Bradenton affect qualifying.
- VA condo approval: the condo project must be approved by the VA (Tim checks VA's list).
- Florida homestead exemptions and veteran property tax exemptions may apply. Confirm with the county property appraiser.
Next step
Book a call · (941) 390-6473
Frequently asked questions
Do I need a down payment for a VA loan in Florida?
Often, no, for eligible borrowers with full entitlement. Your lender and your entitlement determine the details.
Can I use a VA loan for a condo in St. Petersburg?
Only if the condo project is approved by the VA (Tim checks VA's list).
Can I use my VA benefit more than once?
Yes, in many cases, depending on how much entitlement you have restored or remaining.
Does Tim work with buyers stationed at MacDill or moving to Florida?
Yes. Tim is licensed in Florida and Ohio and works with relocating buyers who close remotely.
How do I verify Tim's license?
Search NMLS #2182927 at nmlsconsumeraccess.org. The branch is NMLS #2772757, and the sponsoring company is PMF, Inc. d/b/a Pioneer Mortgage Funding, NMLS #1980.
Related guides
- Sarasota First-Time Buyers
- Manatee County FHA Loans
- Down Payment Assistance Options
- FHA with a 580 Credit Score
- Moving to Sarasota
Tim Lyons, Mortgage Loan Originator, NMLS #2182927 · Pioneer Gulf Coast, Branch NMLS #2772757 · 6901 Professional Pkwy E, Sarasota, FL 34240 · (941) 390-6473. Pioneer Gulf Coast is a branch of PMF, Inc., d/b/a Pioneer Mortgage Funding (NMLS #1980). Licensed in Florida and Ohio. Verify at nmlsconsumeraccess.org. Equal Housing Opportunity. Not a commitment to lend; all loans subject to credit and property approval. Program availability, terms and eligibility vary and change over time.