From application to closing, we make it easy.

Trusted Mortgages in Vero Beach

NMLs# 151413

Branch NMLs# 2569892

Meet Timothy & Liz Serratt

With decades of combined experience, Tim and Liz Serratt are a dynamic mortgage lending team based in Vero Beach. They don’t just secure loans—they serve as trusted advisors, guiding you through every step of your homeownership journey with insight, care, and local expertise.

Featured Loan Products

Your Trusted Expert in Florida and California

Conventional

Competitive rates and flexible terms

FHA

First-Time Friendly

VA Loans

VA loans offer zero down

Sarah M.

“Tim made the entire mortgage process stress-free and seamless. He was always available to answer questions and provided expert guidance every step of the way. Highly recommend!”

Florida Hometown Heroes Program

Get up to $35,000 in down payment assistance

What Makes Vero Beach So Desirable

Beautiful beaches, low crime, and zero state income tax

Welcome to Tim Serratt Mortgage

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Dorothy Vaughan

Timothy Serratt

Whether you're purchasing a home or refinancing, Tim Serratt provides personalized guidance that stands out. Tim works one-on-one with each client to navigate their financing options and find the perfect loan product for their needs. He is committed to securing the best possible deal and the most competitive rates available.

Talk to Contour Mortgage Vero Beach…