Tim Shacoski

About

Branch Manager | Trusted Advisor
Mortgage Professional – Lending Spot | Serving Central Florida

As a Florida native with over 20 years in residential lending, my philosophy is simple: how we do things is just as important as the mortgage itself. I don’t just provide loans; I provide a tailored, solutions-based partnership.

My mission is to empower you through transparency, education, and strategic planning. Whether you are buying your first home, transitioning to a new one, building an investment portfolio, or refinancing, I specialize in navigating scenarios ranging from the straightforward to the complex—ensuring your financing aligns with both your short- and long-term financial goals.

My team and I are committed to a streamlined, customer-centric experience designed to close on time, every time. After two decades, I remain driven by the same rewards I valued on day one: a sincere “thank you” and the privilege of your recommendation to friends and family.

Our Core Principles

• Holistic Partnership
  We don’t view a mortgage as a one-time transaction. We provide sound, holistic guidance so your home financing supports your broader long-term goals.
• Expert Navigation (Complex Traditional + Non-QM)
  With 20+ years of experience, we specialize in solving complex loan scenarios that others may overlook—bridging institutional guidelines and your real-world financial profile.
• Educational Empowerment
  Confidence comes from clarity. We prioritize education so you understand each phase—from application to closing day.
• Reliable Execution
  Reliability is our hallmark. We run a disciplined workflow designed to help you close on time, every time.

Professional Experience & Leadership
As a Florida native serving Central Florida for more than 20 years, I’ve built a diverse track record across residential lending—experience that helps me advise quickly, structure correctly, and execute with consistency:

• Loan Originator — purchase and refinance structuring with client-first guidance
• Wholesale Lending Representative — program fit, guidelines, and pricing fluency
• Corporate Sales Leader — performance leadership and accountability at scale
• Talent Acquisition / Business Growth / Personnel Development Leader — building teams focused on high client satisfaction

Loan Programs & Mortgage Solutions

Home Purchase Loans

• Conventional loans (fixed-rate and ARM) for primary homes, second homes, and investment properties
• FHA loans for low down payment home financing
• VA loans for eligible veterans and active-duty service members
• Jumbo loans for high-value homes above conforming limits
• First-time homebuyer guidance with an education-first approach

Refinance & Equity Options

• Rate-and-term refinance to reduce rate, lower payment, or shorten term
• Cash-out refinance to access equity for renovations, debt consolidation, or investments
• HELOCs and second mortgages to leverage home equity strategically

Self-Employed & Complex Income Qualification (Traditional + Non-QM)

• Self-employed mortgage solutions in Florida (business owners and variable income)
• Complex W-2 + commission / bonus income scenarios (case-by-case)
• Non-QM options when traditional documentation doesn’t reflect true cash flow
• Alternative qualification strategies designed for real-world income profiles and clean underwriting execution

New Construction & Investor-Focused Financing

• Construction loans and financing strategy for clients building a home (case-by-case)
• New construction loan programs aligned to project timelines and draw requirements (case-by-case)
• DSCR loans for investors for qualifying based on property cash flow (including investor-focused scenarios where speed and structure matter most

How I Work

• Education-first: clear explanations of options, trade-offs, and approval paths
• Client-centered strategy: align the loan with timeline, payment comfort, and long-term goals
• On-time execution: proactive updates and disciplined follow-through to protect closing dates
• Relationship-driven: I aim to be your first call for real estate financing guidance

Florida Roots & Personal Perspective
Born and raised on Florida’s coast, I have a deep connection to the communities and lifestyle that make this state unique. When I’m not helping clients structure the right financing, you’ll find me offshore fishing, surfing, diving, or exploring Florida’s waterways by boat. I don’t just lend in Florida. I understand the day-to-day realities of living here and the long-term decisions that come with it.