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


VA Mobile Home Loans | Requirements 2024

VA Mobile Home Loans | Requirements 2024

Posted on: January 16, 2024

Financing manufactured homes is allowed under VA mortgage guidelines. These are known colloquially as mobile home loans.


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

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

Posted on: January 10, 2024

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 […]


VA Construction Loan | Build a Home  2024

VA Construction Loan | Build a Home 2024

Posted on: January 2, 2024

A VA construction loan allows you to buy land and build a primary residence with all the benefits of a VA loan. Though they are a bit unusual — many […]


How To Calculate VA Residual Income | 2024 Charts

How To Calculate VA Residual Income | 2024 Charts

Posted on: January 2, 2024

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 Find Out If Your Condo Is VA Approved | 2024

How To Find Out If Your Condo Is VA Approved | 2024

Posted on: January 2, 2024

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 […]


What is a VA Entitlement Code? | Guide to VA Entitlement 2024

What is a VA Entitlement Code? | Guide to VA Entitlement 2024

Posted on: January 1, 2024

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 […]


Can You Buy Points on a VA Loan? How to Lower Your Rate

Can You Buy Points on a VA Loan? How to Lower Your Rate

Posted on: June 28, 2023

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 […]


Qualifying for a Mortgage With Military Income | BAH, BAS, S&I

Qualifying for a Mortgage With Military Income | BAH, BAS, S&I

Posted on: June 28, 2023

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 […]


5 Tips to Pay Off Your VA Loan Fast

5 Tips to Pay Off Your VA Loan Fast

Posted on: November 3, 2022

Homeowners often assume they should make their mortgage payments, and nothing more. But big rewards come from making seemingly small extra payments on a mortgage. Here are strategies to pay […]


Should You Rent or Buy?

Should You Rent or Buy?

Posted on: November 1, 2022

What’s better, renting or buying? If you look at pure numbers, it appears that over the past 5 or 6 years, renters have seen their costs go up while homeowners’ […]