About This Is Mortgage
Tim Lucas has spent more than a decade helping people buy and refinance homes in real life, and another decade creating online mortgage resources for millions of people.
Add this to buying his first home at age 26 with just $1,100 out-of-pocket, and now owning real estate worth a combined $2.4 million.
Most mortgage websites are filled with articles created by paid writers who mean well, but have never actually helped someone finance a home start to finish. Some aren’t even homeowners themselves.
That’s why Tim started This Is Mortgage…home loan financing as it can only be told by an insider.
A note from Tim Lucas
I love mortgages and have seen how homeownership transforms people’s lives. I like the hope that flashes in someone when I suggest a solution to help them become a homeowner or refinance to improve their lives.
That’s why this site is full of unbiased, unfiltered insights that will help you finance a home, no matter what your end goal is. I don’t represent a lender and can state things as they are. For that matter, I haven’t yet gotten around to putting ads, affiliate links, or any monetization on this site whatsoever. So far, this is a completely free site!
It’s time to pay it forward, anyway.
I bought my first house at 26. It was 2003 and there wasn’t much of anything online yet, let alone good mortgage information. This site would have been nice.
Fast forward a lot of years and I now own a primary residence and two investment properties worth a combined $2.4 million. There’s a sense of pride you get when you own a home and lock in a secure future for yourself and your family.
But homeownership and real estate isn’t just something I’ve done personally. I’ve also had the dream job of communicating about it for over 10 years now. One mortgage website I worked on had over 2 million visitors per month. Before that, I got to create a site from scratch that ended up with over 250,000 visitors per month. I still love getting emails about how an article I wrote unlocked the secret that helped someone buy a home.
Homeownership is a worthwhile goal. I hope it will bring you as much satisfaction as it has brought me. With that, enjoy this site!
Former loan officer and loan processor (NMLS #118763 licensing info – current/inactive)
Creator of MyMortgageInsider.com (author profile)
Former editor of TheMortgageReports.com (author profile)
Former VP of Digital Strategy at Home.com
Contributor, Mortgage Research Center (author profile)
Tim Lucas in the media
Yahoo! Finance | How Low Can Your Credit Score Be And Still Buy A Home?
Yahoo! Finance | 4 Things Would-Be Homebuyers Should Never Say to Lenders
Yahoo! Finance | What’s the Difference Between a Mortgage Pre-Approval and a Pre-Qualification?
Yahoo! | How to Correct Credit Reports Errors Before Applying for a Mortgage
MSN | Marry the House, Date the Rate. Does It Work?
Mortgage Research Center | Can I Get A Jumbo Loan With 10% Down?
Mortgage Research Center | Pros and Cons of an Adjustable-Rate Mortgage
Mortgage Research Center | These Lenders Help Buyers Make Cash Offers
Mortgage Research Center | The Upside of Private Mortgage Insurance for Buyers Lacking a 20% Down Payment
The Mortgage Reports | How To Shop For Mortgage Rates
The Mortgage Reports | Is PMI Worth It?
My Mortgage Insider | 80-10-10 Piggyback Mortgage Guidelines
My Mortgage Insider | Zero Down Mortgages in Today’s Market
Realtor.com | Dying to Buy a Home? Try the ‘Seahawks Strategy’
Military VA Loan | VA Home Loan Appraisal Process
Military VA Loan | WWII Medal of Honor Recipient Shares His Story