The HartBeat for Realtors Tim Hart

Foreign National loans are for people that are not residents of the US. In this video, myself and Stacy Flanigan explain Foreign National and ITIN loans.

No income or credit score is required for the foreign national loan. The ITIN loan will require income. Check out this episode to learn more.

Be sure to share this with anyone you know that may be interested.  

Call my office at 239-437-4278 or email me at timteam@vandykmortgage.com if you have any other questions or concerns.  

Have a rate one!

I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

· Apply for a mortgage now at https://myvandyk.vandykmortgage.com/dr/c/qojpr

· TEXT “APPLY” to 239-437-4278

· Call me or text me 239-910-5668

· Talk to my team were here to help! 239-437-4278

· Check out my website www.TimHartJr.com

Connect with me on Social Media

YouTube - http://bit.ly/2Ourk8c

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

In this video myself and Stacey Flanigan discuss the Investor Cash Flow Loan aka DSCR. Don’t worry, we explain what DSCR means.

This video is a must watch for any real estate investor. Check out this video to learn more.

Call my office at 239-437-4278 or email me at timteam@vandykmortgage.com with any questions or concerns that you may have.

Be sure to share this video with any investors or Realtor that may be interested.

Have a rate one!



I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

· Apply for a mortgage now at https://timhart.floify.com/apply-now

· TEXT “APPLY” to 239-437-4278

· Call me or text me 239-910-5668

· Talk to my team were here to help! 239-437-4278

· Check out my website www.TimHartJr.com

Connect with me on Social Media

YouTube - http://bit.ly/2Ourk8c

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

In this episode myself and Stacey Flanigan explain Bank Statement loans for self employed borrowers. 

This is an excellent way for self employed borrowers to finance property. No tax returns are required and the average deposits into your personal or business accounts become your income.  

This loan will work for anyone that is 1099 as well. It can be used for purchase or refinance. 

Learn more by listening to the full episode, you can check out the video too on our YouTube @Tim Hart - Loan Officer  

Call my office at 239-437-4278 or email timteam@vandykmortgage.com if you have any questions.  Please share this with anyone you know that is self-employed. You may be able to help them own a home.



I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

· Apply for a mortgage now at https://timhart.floify.com/apply-now

· TEXT “APPLY” to 239-437-4278

· Call me or text me 239-910-5668

· Talk to my team were here to help! 239-437-4278

· Check out my website www.TimHartJr.com

Connect with me on Social Media

YouTube - http://bit.ly/2Ourk8c

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

I just wanted to offer some words of encouragement to you and a few pieces of advice to help your buyers get under contract. Maybe it can help you win an extra deal.  

If you have been in this business long enough then you know that good and bad times never last forever. Us lenders are dealing with struggles right along with you. Every day rates seem to just get worse and sometimes we have 1 to 2 rate increases a day. It sucks! It won’t stay that way though. Rates will calm down and so will the markets. Hopefully! 

So if you are struggling getting listings or getting your buyers under contract just know that it won’t be like this forever. You will turn the corner but you have to stay moving forward and showing up every day.  

Reach out to my team if we can help with anything. Myself or one of my Loan Officers will be happy to assist you or your buyers anytime.  

Have a rate day!



I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

· Apply for a mortgage now at https://timhart.floify.com/apply-now

· TEXT “APPLY” to 239-437-4278

· Call me or text me 239-910-5668

· Talk to my team were here to help! 239-437-4278

· Check out my website www.TimHartJr.com

Connect with me on Social Media

YouTube - http://bit.ly/2Ourk8c

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

Many of your buyers may have commission, bonus or overtime income.

In this video I discuss your buyers that have overtime income.

Hopefully it helps you in speaking with your buyers if this type of income comes up.

Please let us know if we can help you or your buyers in the future.

Have a rate day!



I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

· Apply for a mortgage now at https://timhart.floify.com/apply-now

· TEXT “APPLY” to 239-437-4278

· Call me or text me 239-910-5668

· Talk to my team were here to help! 239-437-4278

· Check out my website www.TimHartJr.com

Connect with me on Social Media

YouTube - http://bit.ly/2Ourk8c

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/

Credit and provable income are the two most important items when it comes to qualifying for a mortgage. One of the types if income that a lender considers risky is Commission Income.

Almost all lenders are going to want to see that the borrower has been receiving commission income for the last two years and use an average of those two years to establish their income.

Check out this episode to learn more!

We are always here to help with you or your buyers. Call my office at 239-437-4278 anytime if you ever need a buyer pre-approved.

Have a rate day!



I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!

· Apply for a mortgage now at https://timhart.floify.com/apply-now

· TEXT “APPLY” to 239-437-4278

· Call me or text me 239-910-5668

· Talk to my team were here to help! 239-437-4278

· Check out my website www.TimHartJr.com

Connect with me on Social Media

YouTube - http://bit.ly/2Ourk8c

Instagram - https://www.instagram.com/timhart453/?hl=en

Facebook - https://www.facebook.com/TimHartJr

LinkedIn - https://www.linkedin.com/in/timhartjr/