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


VA Loan Myths

VA Loan Myths

Posted on: July 15, 2020

Because of their complexity relative to other mortgage programs, VA loans are the subject of plenty of different myths. Some of these myths are based on truths, but what you […]


VA Loan Calculator | Discover Your Monthly Home Loan Payment

VA Loan Calculator | Discover Your Monthly Home Loan Payment

Posted on: July 15, 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 […]


Common VA Loan Questions Answered

Common VA Loan Questions Answered

Posted on: July 14, 2020

Plenty of eligible home buyers 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 […]


How To Rent Out A Home You Purchased With A VA Loan

How To Rent Out A Home You Purchased With A VA Loan

Posted on: July 10, 2020

The VA wants their mortgage program to get veterans and active military into houses, not for people to get vacation homes or investment properties. Current VA homeowners must occupy their […]


VA construction loans vs VA rehab loans

VA construction loans vs VA rehab loans

Posted on: June 18, 2020

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


How VA Residual Income Can Help You Get Approved

How VA Residual Income Can Help You Get Approved

Posted on: May 28, 2020

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


Tips to Pass a VA Appraisal

Tips to Pass a VA Appraisal

Posted on: May 9, 2020

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 […]


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 Loan Credit Score Requirements for 2020

VA Loan Credit Score Requirements for 2020

Posted on: April 6, 2020

In addition to providing your current financial information and checking your VA eligibility, you’ll need to prove that you have a decent enough credit score to qualify for a VA […]


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 […]