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 as Managing Editor of The Mortgage Reports. 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


Should You Break Your Lease to Buy a Home?

Should You Break Your Lease to Buy a Home?

Posted on: April 24, 2020

If you’re currently renting but looking forward to buying your first home, you’ve likely done a bit of legwork at this stage. You’ve met with a loan officer who helped […]


VA Mobile Home Loans: Can I Buy a Manufactured Home with a VA Loan?

VA Mobile Home Loans: Can I Buy a Manufactured Home with a VA Loan?

Posted on: April 3, 2020

The short answer is yes. Financing manufactured or modular homes (a.k.a. mobile homes; we’ll use the terms interchangeably) is in fact allowed under VA mortgage guidelines – these are known […]


Hooyah To Home Buying The Navy Way

Hooyah To Home Buying The Navy Way

Posted on: March 17, 2020

As defenders of the seas, Naval Service Members should have the luxury of returning from duty to their homes ashore. But wouldn’t it feel incredible to own the home you […]


Which Refinance Type Is Best For You? (VA, FHA, USDA, Conventional)

Which Refinance Type Is Best For You? (VA, FHA, USDA, Conventional)

Posted on: March 5, 2020

There are different types of mortgage loans available to today’s consumer, each with slightly different guidelines. Some have inherent advantages so it takes some time to consider which loan type […]


VA Home Loan Entitlement Restoration

VA Home Loan Entitlement Restoration

Posted on: March 3, 2020

One persistent myth about VA loans is these mortgages are only for first-time buyers. It’s just not true. VA entitlement restoration is easy. In other words, you can get all […]


How To Choose Your Mortgage Points and Rate

How To Choose Your Mortgage Points and Rate

Posted on: March 2, 2020

The VA home loan benefits are many but the most popular features are the no-money down component, relaxed qualifying guidelines and reduced closing costs. Qualifying VA borrowers are limited to […]


Use Your VA Home Loan Benefit To Buy A Condo

Use Your VA Home Loan Benefit To Buy A Condo

Posted on: March 2, 2020

For any veteran of the Armed Forces, National Guard, or the Reserves granted a VA homeowner’s loan, a common question can arise – “can I use the loan to purchase […]


VA Loan Calculator | Discover Your Monthly Home Loan Payment

VA Loan Calculator | Discover Your Monthly Home Loan Payment

Posted on: February 19, 2020

As an active-duty servicemember or Veteran, you have access to one of the best mortgage products on the market — the VA home loan. It requires no down payment, no […]


Military Home Loans for Servicemembers and Veterans

Military Home Loans for Servicemembers and Veterans

Posted on: February 14, 2020

You’ve served your country, and as a token of appreciation, there is a home loan program exclusively for active U.S. military personnel and Veterans. Military home loans are also known […]


VA construction loans vs VA rehab loans

VA construction loans vs VA rehab loans

Posted on: October 29, 2019

You may have heard that VA construction loans are rare, and it’s true that these loans aren’t common. But, VA construction loans do exist and qualified borrowers can apply their […]