We are a full service direct mortgage lender, serving the state of Florida. We were formally Hart Mortgage Services but as of the late 2008 we have become a branch of VanDyk Mortgage. Tim Hart and his team have been in business since 2001 and are still going strong today by providing you with the lowest Florida Mortgage Rates on the following home loans.

• FHA Mortgage Loans
• Rural Development USDA Loan
• VA Home Loans
• Conventional Mortgage
• Jumbo Loans
• Primary Residence, 2nd Home Mortgage, Investment Property

If you are a first time home buyer, there are certain programs that the Tim Hart Team wants you to know about.

Florida Mortgage University

We have created a lesson plan for all of our Florida mortgage clients. It's called Florida Mortgage University and it's FREE!

Click here to enter Florida Mortgage University

Free Home Buyer Services

Search for 1,000's of Florida homes in seconds by using our Free Home Search!

Check out the best mortgage rates in Florida by using our Free Florida Mortgage Rates Tracker!

Start the mortgage pre-approval process by using our Free Purchase Assistant!

Compare Rent vs Owning with our Free Florida Mortgage Calculator!

If you know you already have credit problems fix it today with our Florida Credit Repair!

View our local Realtors listings with our Florida Real Estate Gallery!

Lower your current rate or payment and also get cash out by using our Refinance Advisor!

Who is the Tim Hart Team?

Don't let us brag about ourselves, please click here to read what our past clients have said about us: Tim Hart Testimonials

The Tim Hart Team can do Florida Purchase Loans throughout the enitre state with a primary focus in the following cities: Fort Myers, Cape Coral, Lehigh Acres, North Fort Myers, Alva, Naples, Bonita Springs, Estero, Sanibel Island, Punta Gorda, Pt Charlotte, Venice, North Port and many other Florida cities.

Do you have questions or concerns?

Please call us at 239-437-4278 and speak with one of our experienced Florida Loan Officers today or use our Ask an Expert and we will get back with you as soon as we can!

Make it a great day!