Licensing
Licensing & Disclosures
Who we are, how to verify it, and the disclosures that belong with everything else on this site.
Last updated August 19, 2026
Identification
Who you are dealing with
- Tim Lyons
- Branch Manager | Mortgage Loan Originator · NMLS #2182927
- Pioneer Gulf Coast
- Branch NMLS #2772757 · 6901 Professional Parkway East, Sarasota, Florida 34240
- PMF, Inc., d/b/a Pioneer Mortgage Funding
- Company NMLS #1980 · Licensed by the Florida Office of Financial Regulation
- Contact
- (941) 390-6473 · [email protected]
Pioneer Gulf Coast is a branch of PMF, Inc., d/b/a Pioneer Mortgage Funding. You can verify our licences, and the licence of any individual mortgage loan originator, through NMLS Consumer Access using the NMLS numbers above.
Services described on this site are offered in Florida.
Equal Housing Opportunity.
Government programs
Not a government agency
Pioneer Gulf Coast, a branch of PMF, Inc., d/b/a Pioneer Mortgage Funding, is not affiliated with, acting on behalf of, or endorsed by the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), the U.S. Department of Agriculture (USDA), Fannie Mae, Freddie Mac, or any other government agency or government-sponsored enterprise. This site is not authorized, sponsored or approved by any government agency.
FHA-insured, VA-guaranteed and USDA-guaranteed financing is available only to borrowers who meet the eligibility requirements of the applicable program. VA loan eligibility is determined by the U.S. Department of Veterans Affairs; not all veterans, service members or surviving spouses qualify, and entitlement, occupancy and property requirements apply.
What this site is and is not
Inquiries, applications and approvals
Submitting a form here is a preliminary inquiry
Completing a form or booking a consultation on this site is a request to talk. It is not a mortgage application, it does not create an approval, preapproval or prequalification, and no credit report is pulled from it.
Nothing here is a commitment to lend
Program availability, eligibility requirements and terms vary by borrower, property, lender and program, are subject to change, and are confirmed against current lender and agency guidelines. Loan approval remains subject to lender review, underwriting, program requirements and applicable conditions. Nothing on this site is a commitment to lend, an offer of credit, or a guarantee of approval or of any particular term.
Why you will not find rates on this site
Pricing depends on the borrower, the property, the program, the lender and the day. A number published on a web page would be inaccurate for your file more often than not, so we quote against current pricing in an approved system when we have enough facts to be accurate.
Education, not advice
The material on this site is general education about mortgage financing. It is not legal, tax or investment advice. Please consult your own advisors about your circumstances.
Communications
How we contact you
The marketing and text-message consent box on our forms is optional. You can submit an inquiry and book a consultation without ticking it, and consent to marketing messages is not required to obtain any service or to obtain credit. If you do opt in, message frequency varies, message and data rates may apply, and you can reply STOP at any time to stop messages or HELP for help.
How information from this site is handled is described in our Privacy Policy.
Third-party links
This site links to organisations we do not control, including NMLS Consumer Access. We are not responsible for their content or their practices.
Questions about any of this — or about a licence number you want to check — call (941) 390-6473 or email [email protected].