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


How To Calculate VA Residual Income | 2022 Charts

How To Calculate VA Residual Income | 2022 Charts

Posted on: April 28, 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 […]


What is a VA Entitlement Code? | Guide to VA Entitlement 2022

What is a VA Entitlement Code? | Guide to VA Entitlement 2022

Posted on: April 9, 2022

What is a VA entitlement code? VA entitlement codes specify when you performed the service that entitles you to the benefits that come with a VA loan. At its most […]


VA Mobile Home Loans | Manufactured Home Requirements 2022

VA Mobile Home Loans | Manufactured Home Requirements 2022

Posted on: February 23, 2022

The short answer is yes. Financing manufactured homes (also sometimes called modular or mobile homes) is in fact allowed under VA mortgage guidelines. These are known colloquially as mobile home […]


Appraisal process for VA home loans | 2022

Appraisal process for VA home loans | 2022

Posted on: February 20, 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 […]


Guide To Prepping For A PCS

Guide To Prepping For A PCS

Posted on: December 6, 2021

So, you got Permanent Change of Station (PCS) orders. You’re not alone. Nearly 700,000 service members get transferred to new assignments each and every year. The name may seem ironic. […]


Common VA Loan Questions Answered

Common VA Loan Questions Answered

Posted on: December 6, 2021

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 […]


VA Construction Loan | Requirements & Process 2022

VA Construction Loan | Requirements & Process 2022

Posted on: November 9, 2021

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 […]


Military Home Loans for Service Members & Veterans | 2022

Military Home Loans for Service Members & Veterans | 2022

Posted on: October 29, 2021

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 Choose Your Mortgage Points and Rate

How To Choose Your Mortgage Points and Rate

Posted on: October 28, 2021

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 […]


How To Find Out If Your Condo Is VA Approved | 2022

How To Find Out If Your Condo Is VA Approved | 2022

Posted on: October 11, 2021

Can you use a VA loan to buy a condo or townhome unit instead of a single-family home? Simply put, the answer is yes. When the condo is located within […]