We have helped over 5000 families buy or refinance their current homes at very competitive rates with most closings occurring in 20 days or less. We have a wide variety of loan programs available including mortgages for investment properties, second/vacation homes, reverse mortgages, borrowers with past credit issues and several other programs.
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Tim Lyons is a Sarasota-based mortgage broker serving homebuyers, homeowners, real estate investors, and relocation buyers throughout Sarasota, Bradenton, Lakewood Ranch, Tampa Bay, and across Florida. Tim specializes in conventional, FHA, VA, jumbo, condo, DSCR, non-QM, and first-time homebuyer financing, with a strong focus on strategic mortgage planning and problem-solving for self-employed borrowers and unique loan scenarios. Known for clear communication and education-first guidance, Tim helps borrowers understand the full picture of homeownership -- including Florida-specific factors like insurance, taxes, HOA fees, condos, and investment property financing -- so they can make confident financial decisions throughout the mortgage process.
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Lending on Florida real estate for over 20 years, Stephen Ackoury's expertise is your resource for purchasing your first or next home. Stephen makes home loans a piece of cake for you, even though he is not a pastry chef. Whether you are looking for a vacation home or second home, downsizing for retirement, invest in rental property, or acquiring your very first home, he carefully matches the right loan program based on your particular circumstances.Stephen is a 5\-Star Zillow\-rated Mortgage Banker with a local team that includes in\-house underwriting, processing, and closing. Stephen can help make homebuyers dreams a reality with stress\-free loan approvals and on\-time closings.A local community leader in the Sarasota/Manatee area for two decades, Stephen Ackoury is a Leadership Manatee Graduate and has served on local boards for the Lakewood Ranch Business Alliance, Mote Marine Advisory Council, Manatee County Family YMCA, and Sarasota\-Manatee Area Manufacturers Association. His expertise is developed from a distinguished career in lending, real estate and construction.
First Commerce Financial specializes in helping home buyers, move-up buyers, veterans, and homeowners get the lowest mortgage rate available — with zero junk fees and complete transparency on costs. As an independent mortgage broker licensed in Florida, Arizona, Texas, and Michigan, we shop your loan across multiple wholesale lenders to find the best rate and terms for your specific situation. We are not tied to one bank — our job is to get you the best deal available, period. We specialize in: Conventional loans FHA loans VA loans for veterans and active military Jumbo loans USDA rural development loans Investment property loans Refinances — rate-and-term and cash-out First-time homebuyer programs Co-founded in 2007 by Kirk Chivas and Ken Turkington, our team brings 60+ years of combined mortgage experience. We have helped thousands of clients navigate the mortgage process with confidence — from first-time buyers to seasoned real estate investors. No junk fees. No runaround. Just straight answers and a better mortgage.
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mortgage loans, FHA, VA, conventional, adjustable rate mortgages, reverse mortgages, construction mortgages, renovation loans, new homebuilder loans
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