I always love it when we can close these types of loans. Recently we had a past client of ours talk to us about doing a cash out refinance to pay off credit cards and some other debts she had.

If you live in Lee county and you had any damage due to Hurricane Ian, this video is for you!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

·        Apply for a mortgage now at https://myvandyk.vandykmortgage.com/dr/c/qojpr

·        TEXT “APPLY” to 239-437-4278

·        Call me or text me 239-910-5668

·        Talk to my team were here to help! 239-437-4278

·        Check out my website www.TimHartJr.com

Connect with me on Social Media

YouTube - http://bit.ly/2Ourk8c

Instagram - https://www.instagram.com/timhart453/?hl=en

 Facebook- https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

Are you a homeowner in Lee County? Or purchasing a new property and moving to Lee County?

·  Apply for a mortgage now at https://myvandyk.vandykmortgage.com/dr/c/qojpr

·  TEXT “APPLY” to 239-437-4278

·  Call me or text me 239-910-5668

·  Talk to my team were here to help! 239-437-4278

·  Check out my website www.TimHartJr.com

Connect with me on Social Media!

YouTube - http://bit.ly/2Ourk8c

Instagram - https://www.instagram.com/timhart453/?hl=en

 Facebook- https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

Is credit repair really worth it? What does credit repair really do? How is my credit score calculated? You might have asked yourself some of those questions before. Today we are talking with Alyssa Scott to get the answers to those and other credit questions.

·  Apply for a mortgage now at https://myvandyk.vandykmortgage.com/dr/c/qojpr

·  TEXT “APPLY” to 239-437-4278

· Call me or text me 239-910-5668

· Talk to my team were here to help! 239-437-4278

· Check out my website www.TimHartJr.com

Connect with me on Social Media

YouTube - http://bit.ly/2Ourk8c

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn -  https://www.linkedin.com/in/timhartjr/

Down Payment Assistance is available in Florida for certain professions like Teacher, Police Officer, Veterans, Firefighter, Nurse and many others.  

This program started on June 1st and is available to First Time Homebuyers in Florida.  

The buyer can get 5% of the loan amount up to $25,000, whichever is less.  

First Time Homebuyer is someone that has owned a home in the last three years AND lived in it.  

If you or someone you know is renting and has one of the qualified professions, I urge you to check out the episode and learn more.  

You can also call or office or email [email protected] for more information.   

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!  

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278  

• Call me or text me 239-910-5668  

• Talk to my team were here to help! 239-437-4278 

• Check out my website www.TimHartJr.com  

Connect with me on Social Media 

Instagram - https://www.instagram.com/timhart453/?hl=en  

Facebook - https://www.facebook.com/TimHartJr

LinkedIn -  https://www.linkedin.com/in/timhartjr/

What will happen if you get in an accident while texting while driving? This question was on my mind and I decided to talk to my friend, Leland Garvin with Garvin Law Firm.

You and I both see it when you are driving. Car after car driving by, head down, reading their phone while driving.  It happens a lot! Leland and I discuss the penalties for driving while texting and of course talk about the dangers.  

Hopefully you enjoy the episode!  

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!  

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278  

• Call me or text me 239-910-5668  

• Talk to my team were here to help! 239-437-4278 

• Check out my website www.TimHartJr.com  

Connect with me on Social Media 

Instagram - https://www.instagram.com/timhart453/?hl=en  

Facebook - https://www.facebook.com/TimHartJr

LinkedIn -  https://www.linkedin.com/in/timhartjr/

We just finished a Facebook Live video and it is loaded with great information for anyone that is thinking about filing a claim or is in the process of filing a claim due to Hurricane Ian. I wanted to share this with you right away.

Brian Chapman of Chapman Insurance covered so many parts of the claims process. Please share this episode with someone that is on the fence about making a claim.

We cover some of the following topics and more.

When should you make a claim? 

What should you do when the insurance company doesn’t give you what you think you need? 

Should you use a private or public adjuster? How can you prepare for the visit from the adjuster? 

Should you make a claim if you only had a little bit of damage? 

What is the most common missed item on insurance coverage? 

Future of insurance in Florida? 

Does making a claim increase your future premiums?

Like I said, the conversation is loaded with great content for anyone that has questions or concerns about the insurance process during Hurricane Ian.

Hopefully this helps you or someone you know during this time.

Also, friendly reminder that we have a program out that will provide 100% financing for anyone that had their house made uninhabitable from the storm. 

Can be a renter or homeowner. You have one year to buy and you can use this program anywhere in the US. 

Call my office at 239-437-4278 and someone from my team can help you.

Have a rate day!  

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!  

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278  • Call me or text me 239-910-5668  

• Talk to my team were here to help! 239-437-4278 

• Check out my website www.TimHartJr.com  

Connect with me on Social Media 

Instagram - https://www.instagram.com/timhart453/?hl=en  

Facebook - https://www.facebook.com/TimHartJr

LinkedIn -  https://www.linkedin.com/in/timhartjr/

When The Same Loan Amount Equals Different Payments  

If you are out shopping for a home then you will want to listen to this episode!

Let’s just say you have a pre-approval for $500k and are doing 20% down. Loan amount of $400k.  

In this episode, I explain how the same loan amount can equal much different monthly payment amounts.  

Here is a short test case.  

1st $500k house. Built in 1926, in a flood zone, roof is 20 years old, has a pool, 2 floors, wood frame and is nowhere near a fire hydrant. You can imagine how much the flood and homeowners insurance will cost on that house.  

In Florida that flood would be between $3k-$7k and the homeowners would be the same or more.  

2nd $500k house. Brand new construction. 3/2 no pool and not in a flood zone. Insurance companies love this house!   

Flood is zero and homeowners would be less than a $1K  

You are looking at a swing of $6k-$15k a year or more between the two houses.  

Just keep an eye on this and I go into more detail with the episode.   

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!  

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278  

• Call me or text me 239-910-5668  

• Talk to my team were here to help! 239-437-4278 

• Check out my website www.TimHartJr.com  Connect with me on Social Media Instagram - https://www.instagram.com/timhart453/?hl=en  Facebook - https://www.facebook.com/TimHartJrLinkedIn -  https://www.linkedin.com/in/timhartjr/

Erin Fusco from Valley Bank gave a presentation to our networking group and I thought it was really good.

She answered the question “What is a Certificate of Deposit?” As usual, when I see or hear interesting content, I like to share it. Check out the video to learn more about CD’s. You can also reach out to Erin at  if you have any other questions or concerns.

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278  

• Call me or text me 239-910-5668  

• Talk to my team were here to help! 239-437-4278 

• Check out my website www.TimHartJr.com

Connect with me on Social Media 

Instagram - https://www.instagram.com/timhart453/?hl=en  

Facebook - https://www.facebook.com/TimHartJr

LinkedIn -  https://www.linkedin.com/in/timhartjr/

Get to know one of our new Loan Officers, Jerry Roames. He joined our team in August and is located in Ocala, Florida. We got a chance to discuss why he got back into the mortgage business, his goals and how being a pastor has helped him in the mortgage business.

We also get to ask him some less serious questions like his favorite food and movie. Spoiler alert: It starred Tom Hanks

Jerry will be serving Florida and Virginia for our branch.

Give him a call ……….. 352-233-5965

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

• Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr

• TEXT “APPLY” to 239-437-4278  

• Call me or text me 239-910-5668  

• Talk to my team were here to help! 239-437-4278 

• Check out my website www.TimHartJr.co

Connect with me on Social Media 

Instagram - https://www.instagram.com/timhart453/?hl=en  

Facebook - https://www.facebook.com/TimHartJr

LinkedIn -  https://www.linkedin.com/in/timhartjr/