The Smart Path to Homeownership
If you’ve been renting and are ready to start building equity, a conventional loan could be your key to homeownership. With competitive rates and down payments starting as low as 3%, this type of loan offers flexibility and affordability for first-time and repeat buyers alike.
Why Choose a Conventional Loan?
- Low down payment – as little as 3% down for qualified buyers
- Competitive interest rates – stable, predictable monthly payments
- Flexibility – works for single-family homes, condos, and co-ops
- Build wealth over time – every payment grows your home equity
- Fewer restrictions – no upfront funding fees like some government-backed loans
How It Helps in Vero Beach
In today’s Treasure Coast market, having a strong financing option matters. Conventional loans can make your offer more competitive, giving you an edge when homes receive multiple bids. Whether you’re buying your first place or moving into your forever home, a conventional loan helps you stand out.
Guidance You Can Count On
The mortgage process can feel overwhelming, but you don’t have to go through it alone. With decades of combined experience, Tim and Liz Serratt know the ins and outs of conventional loans and the Vero Beach market. They’ll guide you step by step, so you feel confident from application to closing.
Ready to Get Started?
Your dream home is closer than you think. Take the first step today and let Tim and Liz find the right loan for you.
Disclaimer: 3% down payment is available on select fixed-rate conventional purchase loans for qualified borrowers. Subject to credit approval, income and asset verification, primary-residence occupancy and property eligibility. Mortgage insurance is required for loans with loan-to-value (LTV) above 80%. Not all applicants will qualify for a 3% down payment option.
What our Clients say
Trusted by families across the Treasure Coast.
I wanted to take a moment to thank Tim Serrat and the Contour Mortgage Team for the excellent job they did leading to purchase of my new home in Satellite Beach. Tim did an outstanding job from day one. He got me the best finance rate, explained the entire process and walked me through every step of the way. Everything happened exactly like he promised with no surprises. Tim was super responsive answering calls and clarifying any questions. To top it off he connected me with the home insurance company that ended up providing the best quote and coverage I could find. I highly recommend Tim Serrat and Contour Mortgage to anyone looking to finance or re-finance their home.
From the very first meeting with Tim I could tell he truly listened and cared about my situation he made the whole process of applying for a mortgage seem pretty easy even though I’m a single mom and the last time I bought a house was 10 years ago! Everybody at Contour mortgage is kind and helpful so glad I trusted first Scott and Janice Reynolds to even believe it was possible and then Tim made it a reality!!! Thank you to Sarah my realtor she’s a sweetheart looking at houses can be exhausting but we did it together smiling even laughing sometimes at the process of trying to find the right house for me. I highly recommend Contour Mortgage excellent team!!
I recently relocated from New York to purchase a home in Vero Beach, and Tim Serratt from Contour Mortgage came highly recommended. I’m so glad I was connected with him — he was absolutely fantastic to work with from start to finish.
Tim has a calm, reassuring demeanor that immediately put me at ease. He is incredibly knowledgeable and walked me through every step of the mortgage process with patience and clarity. Buying a home from out of state can be stressful, but Tim truly held my hand throughout the entire journey and made everything feel manageable.
If you’re looking to purchase a home in Florida and want a mortgage professional who is both skilled and genuinely supportive, I highly recommend working with Tim.