Tim  Hart (VanDyk Mortgage-Branch Manager) Mortgage and Lending



Tim Hart
location_on Fort Myers, FL — VanDyk Mortgage-Branch Manager
NMLS #354676
Get to Know Tim Hart

Tim Hart is prepared to earn your Florida Mortgage business by doing what we have always done - provide the lowest Florida Mortgage Rates combined with the customer service you should expect to receive in the biggest investment of your life.

At VanDyk Mortgage Branch #453, we have seen firsthand the devastation of the Florida Real Estate market since late 2007. Many of our friends in the business have either shut down or moved on. We are very proud that our phone still works and business is great! 

The question we always hear is, "When is the right time to buy a home in Florida?", and the answer is easy for us : NOW! Whether you are buying a primary residence, Florida 2nd home or an investment property, the time is NOW!

With the biggest investment of your life, you will feel confident in your decision to use Tim Hart to obtain your new mortgage. Call Tim today to discuss your Florida Mortgage options today!


When you are in search of your Florida Mortgage we have many mortgage options to fit your exact needs. We understand every borrower has a unique scenario and there is no "one size fits all" home loan solution, so whether you are a Florida First Time Home Buyer or a Investor looking to finance your next income producing property, Tim Hart is here to help.The following is a brief list of some of the Florida Mortgage products that we offer to our clients:

Florida Refinance - With Florida Mortgage Rates being at an all time low, the time to refinance is now! If you are looking to lower your mortgage rate, shorten your term from a 30 year mortgage to a 20 or 15 year mortgage, or get cash out, use our FREE Florida Refinance Advisor today to find out what you qualify for. Florida No Money Down Mortgage  - We are here to assure you that 100% financing is here. Whether you call it No Money Down, 100% financing, or a zero down mortgage we are ready to help you realize your dream! So keep your money in the bank! Use our Florida Purchase Assistant to find out if you qualify today! Florida FHA Mortgage - FHA mortgages have experienced a resurgence over the past couple years with raised loan limits and easier guidelines. FHA will allow you to buy your new primary residence with a 3.5% down payment and 6% seller paid closing costs. Check out our FHA rates using our Florida Mortgage Rates Tracker.

We have several other mortgage tools that you can use in your Florida Mortgage research.

FREE Florida Mortgage Calculator - Use this calculator to estimate your expected mortgage payment, renting vs buying, and interest only vs. fully amortizing. FREE Florida Real Estate Search Engine - Use our home search to find the exact Florida home that you are looking for. FREE Florida Real Estate Listings - Check out our featured Florida properties by viewing our Featured Florida Real Estate Listings page.


Born & raised in SWFL. Mortgage business since 2001 & still here. Happy husband/ proud Dad. Receding hairline. Call me anytime at 239-910-5668. NMLS# 354676 VanDyk Mortgage NMLS #3035