Meet Timothy & Liz Serratt

Tim Serratt NMLs #151413
Liz Serratt NMLS #2239196

Vero Beach Contour Branch
NMLs #2569892

With decades of combined experience, Tim and Liz Serratt are a dynamic mortgage lending team based in Vero Beach. They don’t just secure loans—they serve as trusted advisors, guiding you through every step of your homeownership journey with insight, care, and local expertise.

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Conventional

Flexible and reliable, conventional loans are a great fit for many buyers with solid credit and steady income. They offer competitive rates and terms tailored to your needs.

FHA

Perfect for first-time buyers, FHA loans make homeownership more accessible with low down payments and flexible credit requirements. We’ll guide you every step of the way.

VA Loans

For veterans and active military, VA loans provide powerful benefits—like no down payment and low interest rates—honoring your service with affordable financing.

Florida Hometown Heroes Program

Get up to $35,000 in down payment assistance

What Makes Vero Beach So Desirable

Beautiful beaches, low crime, and zero state income tax

Mortgages for the Self-Employed

You still have great loan options.

Mortgage Insights

Expert tips and market updates

Understanding the True Cost of Homeownership

First-time buyers

Discover the hidden costs of homeownership and how to prepare financially before making your purchase. This guide will help you understand the true cost of home ownership and ensure you're financially ready for the journey ahead.

When is the Right Time to Refinance?

Refinancing

Learn when it’s the right time to refinance your mortgage and how it can save you thousands of dollars in the long run. This article explores the key factors to consider before deciding to refinance, including current interest rates and your financial goals.

Market Trends in Florida

Market Trends

Explore the latest trends in the Florida and California real estate markets. This article provides an in-depth analysis of market conditions, including home prices, inventory levels, and buyer activity, to help you make informed decisions about your next move.

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Timothy Serratt

Whether you're purchasing a home or refinancing, Tim Serratt provides personalized guidance that stands out. Tim works one-on-one with each client to navigate their financing options and find the perfect loan product for their needs. He is committed to securing the best possible deal and the most competitive rates available.

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