Tim Lucas

Tim Lucas spent 11 years in the mortgage industry before joining Full Beaker to head up its mortgage websites. He's helped thousands of families buy and refinance real estate at banks and mortgage companies, and now continues that mission at ThisIsMortgage.com. Tim has been featured in national publications such as Time, U.S. News and World Report, MSN, Scotsman Guide, and more.


Articles by Tim Lucas


Can You Rent Your House if You Have a VA Loan?

Can You Rent Your House if You Have a VA Loan?

Posted on: August 29, 2022

VA loans finance primary residences and not rental properties. So what happens when you get deployed or retire and decide to move? Do you have to sell your VA-financed home […]


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Find the Best Deal When Buying a House [Part 1]

Posted on: August 11, 2022

We interviewed realtor and veteran Ed Kunkel, Jr. to find out how to find the lowest home prices when buying a home. In the first installment of this three-part interview, […]


VA Construction Loan | Requirements & Process 2022

VA Construction Loan | Requirements & Process 2022

Posted on: August 9, 2022

You may have heard VA construction loans are hard to find. It’s true that a lot of VA lenders don’t offer them.  But VA construction loans do exist, and qualified […]


Appraisal process for VA home loans | 2022

Appraisal process for VA home loans | 2022

Posted on: July 27, 2022

When you enter a contract to buy a new home, your VA lender will order your VA appraisal. This VA home appraisal has two goals: To define the fair market […]


Common VA Loan Questions Answered

Common VA Loan Questions Answered

Posted on: July 26, 2022

Plenty of eligible homebuyers don’t know what the VA loan is, which is unfortunate because this is one of the best home loan products available. A lender who specializes in […]


Military Home Loans for Service Members & Veterans | 2022

Military Home Loans for Service Members & Veterans | 2022

Posted on: July 26, 2022

You’ve served your country, and as a token of appreciation, there is a home loan for active-duty service members and Veterans. Military home loans are also known as VA home loans, […]


How To Calculate VA Residual Income | 2022 Charts

How To Calculate VA Residual Income | 2022 Charts

Posted on: July 26, 2022

If you plan to buy a home with a VA loan, you’ll want to know about VA residual income and how this calculation can help you. What is VA residual […]


How To Choose Your Mortgage Points and Rate

How To Choose Your Mortgage Points and Rate

Posted on: July 26, 2022

What are VA loan points, and should I buy them? These are important questions for homebuyers because they affect upfront and long-term borrowing costs. Whether you should buy points depends […]


Use Military Allowances and S&I Pay to Qualify for a Mortgage

Use Military Allowances and S&I Pay to Qualify for a Mortgage

Posted on: July 26, 2022

Active-duty military personnel receive various types pay above their regular pay during their military career such as allowances and special and incentive (S&I) pay. Your extra pay depends on what […]


VA Appraisal Checklist & Guidelines 2022

VA Appraisal Checklist & Guidelines 2022

Posted on: June 8, 2022

Whether you’re looking to buy a home with a VA loan or refinance through the VA, you’re going to have to use a VA appraisal. An appraisal is when lenders […]