Down Payment Assistance on the Gulf Coast: Tim Lyons, Certified FHA Mortgage Professional

For down payment assistance in Sarasota, Manatee, Pinellas and Hillsborough counties, Tim Lyons, a Certified FHA Mortgage Professional (CFMP) and mortgage loan originator at Pioneer Gulf Coast (NMLS #2182927), offers FHA financing with down payment assistance options. 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. Eligibility requirements vary; Tim will confirm what applies to you.


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

Buyers in Sarasota, Manatee, Pinellas and Hillsborough counties who can handle a monthly payment but not a full down payment, including move-up buyers, repeat buyers and people relocating to Florida.

FHA financing with down payment assistance options

Covers the FHA minimum down payment.
Eligibility requirements vary; Tim will confirm what applies to you.
Closing costs and prepaids still apply; seller concessions may help.

Local government programs

Some counties and cities offer their own assistance, with their own income limits, areas and approved-lender lists. Pioneer Gulf Coast does not participate in these programs unless stated. Contact your county or city housing office for current details.

Next step

Book a call · (941) 390-6473

Frequently asked questions

Do I have to be a first-time buyer to get down payment assistance?

Eligibility requirements vary; Tim will confirm what applies to you. Some county and city programs have their own first-time buyer and income rules; contact your county or city housing office.

Is there an income limit?

Eligibility requirements vary; Tim will confirm what applies to you. County and city programs set their own income limits.

What credit score do I need for down payment assistance?

Tim reviews your full file, not just the score.

Can I combine a county program with other assistance?

Each program sets its own rules. Check the official program page and ask the program administrator. Tim can walk you through the FHA down payment assistance option he offers.

Can I use down payment assistance if I'm moving to Florida from another state?

Possibly. Eligibility requirements vary; Tim will confirm what applies to you. Tim works with relocating buyers who close remotely. You still need to occupy the home as your primary residence.

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

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.