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.
What our Clients say
Trusted by families across the Treasure Coast.
I’ve been working with Tim Serratt since 2017 — from purchasing my home to several refinances — and most recently, he helped get my new loan approved! Even though I’m on the West Coast and he’s on the East Coast, he always makes me feel like I’m his top priority. He’s incredibly responsive, always answers my calls and questions right away, and goes above and beyond to make the process smooth and stress-free.
I truly appreciate his dedication and professionalism. No matter where I am or what kind of loan I need, he’s the only person I trust to handle it. Highly recommend — a true 5-star loan officer!
Cheers to 8 years friendship Tim🥂 and cheers to new chapter of our life in the new house 🏡 🥂
Tim and his team are the best! Would have not been able to close without him. I was working with a different company before him and there was a lack of communication with what was needed to close. Tim came in with a very short time frame and was very clear with what needed to happen for me to close. He made it happen fast and smoothly. Would recommend for everyone looking for a mortgage.
Tim was absolutely amazing figuring our mortgage out. It was such a stressful situation and the first lender denied us literally at the last minute! But Tim kept us calm and reassured us that it was gonna happen. And let me tell you he did it! He pulled a rabbit out of the hat and made some magic happen! I just cannot say enough about how pleased we are with Contour. Tim and his Wife Liz make an excellent team and even followed up with us when this stressful process was all done. You can tell they really care about their clients. We will definitely be only using them in our next mortgage!