Fort Lauderdale, Florida · Mortgage financing
Mortgage help for Fort Lauderdale homebuyers and homeowners
Buying, refinancing or investing in Fort Lauderdale? Tim Lyons, NMLS #2182927, helps Florida borrowers compare mortgage options through Pioneer Gulf Coast. Our office is in Sarasota, and we work with clients across Florida by phone and through a secure application process.
Serving Fort Lauderdale and Broward County from our Sarasota office. Consultations by appointment.
Start with the property and your plans
A financing conversation that fits your Fort Lauderdale purchase
A primary home, a second home, a condominium and a rental property can require different financing approaches. Tell Tim what you are buying, how you intend to use it and your timeline so the conversation starts with the details that matter.
- Purchasing a home: discuss your income documentation, available funds and expected monthly housing costs before choosing a loan program.
- Buying a condo: ask about both your borrower qualifications and the building review. Association documents, insurance, reserves and assessments may affect financing.
- Refinancing or using equity: compare the purpose, costs and terms of the proposed financing with the mortgage you already have.
- Buying an investment property: explain the intended rental use and ownership structure so available lender requirements can be reviewed.
Explore your options
Loan guides for Florida borrowers
Available options depend on the borrower, property and current lender guidelines. These guides provide a starting point for your discussion:
- Conventional financing for purchases and refinances.
- FHA loans and VA loans, subject to program eligibility.
- Self-employed financing and documentation considerations.
- Asset-based mortgage options.
- Investor and DSCR financing.
- Home equity and HELOC options.
For a condominium purchase, see our guides to building-related loan denials, non-warrantable condo financing and special assessments and mortgage financing.
Working together
What to share on the first call
Start with the property address if you have one, your purchase or refinance goal, your timeline, whether the home will be a primary residence or investment, and how your income is documented. For a condo, mention any known building issues or special assessments.
You do not need to send sensitive documents to start a conversation. When documents are required, Tim's team will direct you to the secure application process. Do not send Social Security numbers or financial documents through website chat.
Do you have a Fort Lauderdale office?
Our office is at 6901 Professional Parkway East, Suite 200, Sarasota, FL 34240. We serve Fort Lauderdale borrowers as part of our statewide Florida service; this page does not represent a separate Fort Lauderdale branch.
Can I call before booking an appointment?
Yes. Call (941) 390-6473, or book a 15-minute conversation for a planned time.
Discuss your Fort Lauderdale mortgage plans with Tim
Get help identifying the next questions to ask and the financing options to review.