Tim Lyons NMLS# 2182927
Self Employed Home Loan Expert
Your Trusted Mortgage Advisor
See How Much You Can Afford
Conventional Loans
A Conventional loan is a traditional mortgage that is not insured or guaranteed by the government, typically offering competitive interest rates and requiring a higher credit score for approval.
FHA Loans
An FHA loan is a government-backed mortgage designed for first- time homebuyers and those with lower credit scores, requiring a smaller down payment.
VA Loans
A VA loan is a mortgage benefit for eligible veterans, active military members, and their families, offering no down payment and competitive interest rates.
Self Employed
Loans designed for self-employed individuals using alternative income proof like bank statements or tax returns, ideal for freelancers and business owners.
Meet Tim Lyons
Tim Lyons, Licensed Mortgage Loan Originator NMLS# 2182927
Certified Mortgage Advisor | Certified FHA Mortgage Professional | Certified Veterans Lending Specialist
Tim Lyons is a dedicated mortgage loan originator with a strong focus on client satisfaction and excellence. Holding certifications as a Certified Mortgage Advisor (CMA), Certified FHA Mortgage Professional, and Certified Veterans Lending Specialist, Tim is committed to the highest industry standards. The CMA certification, known as the gold standard, reflects his dedication to educating clients and securing their financial future.
With a deep understanding of the mortgage process, Tim specializes in tailoring personalized solutions for first-time homebuyers, homeowners refinancing, and investors. His entrepreneurial experience fuels his passion for creating mortgages that align with clients’ goals and circumstances.
At Pioneer Mortgage Funding, Tim offers expert guidance, ensuring every transaction is smooth, transparent, and successful. He is driven by a genuine desire to help clients achieve their homeownership dreams and build lasting relationships.
In his free time, Tim enjoys spending time with his wife, daughter, and dogs, while staying informed on the latest economic trends and mortgage news to continue providing expert advice.
The Certified FHA Mortgage Professional (CFMP) designation, awarded by the National Association of Mortgage Brokers (NAMB), signifies a high level of expertise and commitment in the field of FHA lending. This certification ensures that I have met rigorous education and training standards, and am well-versed in the latest FHA guidelines, regulations, and processes.
For potential clients, this means they are working with a mortgage professional who has the in-depth knowledge and skills to navigate the complexities of FHA loans, ensuring they receive the best possible guidance and solutions for their home financing needs.
For referral partners, this designation serves as a mark of trust and reliability, knowing that they are collaborating with someone who is not only highly trained but also dedicated to maintaining the highest level of professionalism and ethical standards.
By choosing to work with a Certified FHA Mortgage Professional, clients and partners alike can have confidence that their mortgage transactions will be handled with expertise, care, and attention to detail.
What My Clients Say
"Working with Tim Lyons was one of the best decisions I made during my home buying journey. From our first conversation, he made me feel like a priority and took the time to understand my specific needs and goals. His professionalism, coupled with his knowledge of the mortgage process, helped me navigate everything smoothly. Tim made sure I understood each step, and I always felt confident that I was in the right hands. I highly recommend Tim to anyone looking for a trustworthy, dedicated, and knowledgeable mortgage professional."
- Jonathan R., satisfied client
"Tim Lyons went above and beyond to help me secure the mortgage that was right for me. He listened carefully to my financial situation and provided thoughtful advice that made the entire process much easier. I was particularly impressed by how accessible he was and how quickly he responded to any questions I had. Tim made what could have been a stressful experience feel seamless, and I couldn't be happier with the outcome. I’m thankful for his hard work and commitment to ensuring I got the best deal possible."
- Stefanie M., satisfied client
"I can't thank Tim enough for his exceptional service during my mortgage process. From start to finish, he was there every step of the way, ensuring I had all the information I needed to make the best decisions for my family. Tim’s dedication, expertise, and patience helped me secure the loan I needed, and he made sure I understood everything clearly. It’s rare to find someone so invested in their clients’ success. I would recommend Tim to anyone looking for a reliable and caring mortgage expert."
- George V., satisfied client
The Certified Veterans Lending Specialist (CVLS) designation, awarded by the National Association of Mortgage Brokers (NAMB), demonstrates a deep commitment to serving military veterans and their families with expert guidance in VA loan programs. This certification ensures that I possess specialized knowledge and a thorough understanding of the unique needs and challenges faced by veterans when securing home financing.
For potential clients, this means they are working with a mortgage professional who is dedicated to helping them navigate the VA loan process, maximizing their benefits, and securing the best possible terms for their home purchase or refinance.
For referral partners, the CVLS designation is a mark of credibility and trust, as it highlights a strong commitment to supporting our veterans with the highest level of professionalism and care.
By choosing to work with a Certified Veterans Lending Specialist, clients and partners can be assured that their VA loan needs will be handled with the utmost expertise, respect, and attention to detail.
Understanding the FHA 203(h) Loan: A Lifeline for Disaster-Affected Renters and Homeowners
Learn everything you need to know about the FHA 203(h) loan – the ultimate mortgage solution for disaster survivors. Discover eligibility, benefits, application tips, and how this program can help you... ...more
Loan Programs
January 18, 2025•6 min read
Schedule Consultation
Book a 30-minute, no-obligation consultation with me and experience why I’m one of the most helpful loan officers in Florida.
With expertise, I offer mortgage guidance tailored to your unique financial situation. Whether you’re a first-time homebuyer, looking to refinance or investing in real estate to build wealth, I have a wide range of loan options designed to meet your needs.
I’ll help you get a fast pre-approval and provide the solutions you need to make your homeownership goals a reality. Let’s take the next step together and make this process as easy and smooth as possible!
As a Certified Mortgage Advisor (CMA), I have earned the industry's gold standard for mortgage professionals. This designation reflects my commitment to providing expert guidance and personalized mortgage solutions. Through rigorous education, training, and adherence to ethical standards, I am dedicated to educating clients and helping them make informed decisions for a secure financial future. With the CMA certification, I ensure that my clients receive the highest level of service and expertise when navigating the mortgage process.
Contact Info
Pioneer Mortgage Funding, Inc.
3001 North Rocky Point Drive East Suite 238
Tampa, FL 33607
Pioneer Mortgage Funding Inc. NMLS# 1936558
is an Equal Housing Opportunity mortgage broker. Rates and terms vary depending on eligibility. Approval subject to review of information.
All loan approvals are conditional, not guaranteed, and subject to lender review of all information. A loan is conditionally approved when the lender has issued an approval in writing, but until all conditions are met, a loan cannot be funded. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Pioneer Mortgage Funding, Inc is an Equal Opportunity Mortgage Broker headquartered in Tampa, Florida. This licensee is performing acts for which a mortgage broker license is required. Pioneer Mortgage Funding, Inc is licensed by the Florida Office of Financial Regulation, NMLS# 1936558. Pioneer Mortgage Funding, Inc. is approved to originate Conventional, FHA, VA, and USDA loans, and has the ability to broker such loans to Conventional, FHA, VA, and USDA approved lenders. Pioneer Mortgage Funding, Inc. is not acting on behalf of or at the direction of HUD/FHA or the VA.