All Mortgage Loan Officers Timothy LaMont Senior Mortgage Loan Officer NMLS# 450435 timothy.lamont@vacu.org Office: (540) 785-4338 Toll-free: (800) 285-5051, ext. 4338 Fax: (804) 267-1433 Apply with Timothy Biography With 17 years in the mortgage lending business, I have seen many changes in the industry. I take great pride in guiding buyers through the detailed process. I like to remind my borrowers that patience is a virtue and that the home buying process takes time. My favorite part of the business is assisting first-time home buyers with their purchase and seeing the joy and relief when they realize they have a new home. I have lived in the Fredericksburg area for 14 years and enjoy the close proximity to Washington, D.C. Why work with a VACU mortgage loan officer? As a local mortgage loan officer, I'm here to help you navigate the home financing process with confidence. Along with my personalized guidance and local expertise I can assist with: Mortgages for your primary residence, second homes, or investment properties No closing-cost options Home Equity and Home Equity Line of Credit (HELOC) options Adjustable rate mortgages First-time home buyer loans Low down payment options Specialty loans, including 100%-financing and jumbo loans Construction and construction-to-permanent loans Services Offered We've got different loan options, depending on what you need. I'm here to help you find the right solution for your unique situation. Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. Refinancing Take advantage of lower rates—refinance your current mortgage and get better terms! We also offer refinances with no closing costs or cash-out options. Get pre-qualified! Getting pre-qualified will establish your home-buying budget, helping you narrow your search. And when you're pre-qualified, sellers and real estate agents know you're serious about buying, giving you a crucial leg up in negotiations Let's get your mortgage process started. I'm here and ready to help find the right option for you. Apply with Timothy Mortgage Resources See More Resources Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers. Mortgage FAQs What does pre-qualified mean? What do closing costs include? Get answers from our experts. Mortgage Online Application FAQs With MemberConnect, applying online for a mortgage from has never been easier—but that doesn’t mean you won’t have questions. Here’s what our members ask the most.
Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.
Refinancing Take advantage of lower rates—refinance your current mortgage and get better terms! We also offer refinances with no closing costs or cash-out options.
Get pre-qualified! Getting pre-qualified will establish your home-buying budget, helping you narrow your search. And when you're pre-qualified, sellers and real estate agents know you're serious about buying, giving you a crucial leg up in negotiations
Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers.
Mortgage FAQs What does pre-qualified mean? What do closing costs include? Get answers from our experts.
Mortgage Online Application FAQs With MemberConnect, applying online for a mortgage from has never been easier—but that doesn’t mean you won’t have questions. Here’s what our members ask the most.