Business LoansAccounts Style 02Car LoansCareersCheckingCredit CardsDigital BankingAccounts Style 01Home Equity LoansInsuranceInvestingMembershipMortgagePersonal LoansRV, Boat, Motorcycle LoansSavings
Skip to main content

Tim LaMont

Tim LaMont

Tim LaMont

Senior Mortgage Loan Officer
NMLS# 450435
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.

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.

  • Mortgage Icon
    Mortgages

    From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step.

  • Refinance Icon
    Refinancing

    Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense.

  • Home equity loans icon
    Home Equity

    Tap into the money you've already invested in your home to cover life's expenses.

  • Personal Loans Icon
    Get Pre-Qualified

    Know your budget while you're looking for your next home, and show sellers you're serious during negotiations.