Timothy provides low rate, no hassle mortgages to home buyers and home owners looking to refinance in and around Jacksonville Florida, as well as the rest of Florida. Timothy is also licensed in Georgia, and is able to help first time buyers, move up buyers, and downsizers who are looking to get prequalified; and also works with current homeowners who are looking to lower their payment or save money on a lower interest rate. Equal Housing Opportunity NMLS #90836