All Mortgage Loan OfficersTimothy LaMontSenior Mortgage Loan OfficerNMLS# 450435 timothy.lamont@vacu.org Office:(540) 785-4338Toll-free:(800) 285-5051, ext. 4338Fax:(804) 267-1433 Apply with Timothy BiographyWith 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. Benefits of working with a VACU Mortgage Loan OfficerI'm local and ready to help. Whether it's your first home or fifth, I'll be in your corner every step of the way.Mortgages for your primary residence, second homes, or investment propertiesNo closing-cost optionsAdjustable rate mortgagesFirst-time home buyer loansLow down payment optionsSpecialty loans, including 100% financing and jumbo loansConstruction loans and land loans Services OfferedWe've got different loan options, depending on what you need. I'm here to help you find the right solution for your unique situation. MortgagesFrom finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. RefinancingTake 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 A Guide to Home Buying In this helpful video series, we'll walk you through the basics of buying a home. 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.
MortgagesFrom finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.
RefinancingTake 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
A Guide to Home Buying In this helpful video series, we'll walk you through the basics of buying a home.
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.