Tim LaMont Back to Mortgage Loan Officers Tim LaMont Senior Mortgage Loan Officer NMLS# 450435 timothy.lamont@vacu.org Office: (540) 785-4338 Toll Free: (800) 285-5051 x4338 Fax: (804) 267-1433 Hi, I’m Tim, your local mortgage expert. With 17 years of experience in the mortgage lending business, I've seen many changes in the industry. I take great pride in guiding buyers through the detailed process and giving them the tools to move into this financial decision confidently. My favorite part of the business is assisting first-time homebuyers with their purchases and seeing their joy and relief when they realize they have a new home. I've lived in the Fredericksburg area for 14 years and enjoy the close proximity to Washington, D.C., and all the food, sights, and experiences the city has to offer. Apply with Tim 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 homebuyer loans Low down payment options Specialty loans, including 100%-financing and jumbo loans Construction and construction-to-permanent loans What our members are saying: Tim and Crystal were so easy to work with. They were friendly and even accommodated a request to close one business day early on very short notice. Excellent customer service! This was my first experience with VACU and it was amazing! Looking forward to doing more banking with VACU! Services VACU offers: Whether you're new to homebuying or you've done this before, we can help. Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step. Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense. Home Equity Tap into the money you've already invested in your home to cover life's expenses. Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations. Your Homebuying Knowledge Base See all Calculator Mortgage Payment Calculator Home Article 5 min 10 Ways to Make Your Home Feel New Home Article 6 min Financing Your Dream Home with a Construction Loan Home Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Calculator Home Refinance Calculator Home Article 2 min What is Escrow and How Does it Work? Home Article 30 min Mortgage Acronyms Home Article 5 min How to Save for a Down Payment Home Article 4 min What Are Closing Costs? Home Article 4 min What Does Homeowner's Insurance Cover? Home Article 6 min 6 Tips to Navigate an Uncertain Real Estate Market Home Article 4 min Home Improvements that Pay Off Home
Tim and Crystal were so easy to work with. They were friendly and even accommodated a request to close one business day early on very short notice. Excellent customer service!
This was my first experience with VACU and it was amazing! Looking forward to doing more banking with VACU!
Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step.
Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense.
Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations.