Tim Hart- Loan Officer

10/15/2026

If you are a 1099 worker, you are considered self-employed, which can typically make it more complicated to qualify for mortgage financing. But we have options for you!

10/14/2026

Buying a home doesn’t mean your credit journey is over. Even after you become a homeowner, there are still ways to work on your credit, build healthy financial habits and potentially put yourself in a stronger position for whatever comes next.

10/12/2026

When your family keeps growing, so does the need for space. If you’re starting to wonder whether your current home can keep up with your crew, it might be time to see what moving into a little more room could look like.

10/10/2026

"The entire team at VanDyk Mortgage was PHENOMENAL! Everyone was incredibly responsive, communication was excellent, and they were always there to answer questions and run through different financing scenarios! Things were done FAST too which I really appreciate! They truly made what can be a stressful relocation and home-buying experience feel as smooth and easy as possible. I’m extremely grateful for all of their help and would.." says Ashley

★★★★★ The entire team at VanDyk Mortgage was PHENOMENAL! Everyone was incredibly responsive, communication was excellent, and they were always there to answer questions and run through different financing scenarios! Things were done FAST too which I really appreciate! They truly made what ...

10/10/2026

It’s been fun, but you’re ready to move on. Thanks for the memories, landlord. We’ll be taking our monthly payment elsewhere.

10/09/2026

There are more ways to finance a home than most people realize, and some loan options don’t require a down payment at all. That said, having a little money set aside can make the whole experience a lot easier when it comes to closing costs, moving day and the inevitable “oh, we need that too?” purchases.

10/07/2026

House hunting shouldn’t feel like wandering through a haunted house. If buying a home is somewhere on your five-year plan, it never hurts to start figuring out what that could look like now.

10/02/2026

Lenders also look at your income, debts, payment history and the loan program you’re applying for. Some loans have more flexible credit requirements than others, so a score that isn’t perfect doesn’t necessarily mean you’re out of options. It’s worth looking at the whole picture before counting yourself out.

10/01/2026

Self- Employed homebuyers who are looking for financing face hurdles that W2 buyers usually don't.

Qualifying for a mortgage using your tax returns can be difficult and sometimes impossible.

But luckily for our Florida homebuyers, we don't have to stop at tax returns; we have options that look beyond the income you make on paper and often help self-employed business owners qualify for more than traditional tax return loans would allow.

Let's talk about it today!

10/01/2026

"The entire team at VanDyk Mortgage was PHENOMENAL! Everyone was incredibly responsive, communication was excellent, and they were always there to answer questions and run through different financing scenarios! Things were done FAST too which I really appreciate! They truly made what can be a stressful relocation and home-buying experience feel as smooth and easy as possible.

I’m extremely grateful for all of their help.." says Ashley on Google

★★★★★ The entire team at VanDyk Mortgage was PHENOMENAL! Everyone was incredibly responsive, communication was excellent, and they were always there to answer questions and run through different financing scenarios! Things were done FAST too which I really appreciate! They truly made what ...