Tim Lyons is a Sarasota-based mortgage broker serving homebuyers, homeowners, real estate investors, and relocation buyers throughout Sarasota, Bradenton, Lakewood Ranch, Tampa Bay, and across Florida. Tim specializes in conventional, FHA, VA, jumbo, condo, DSCR, non-QM, and first-time homebuyer financing, with a strong focus on strategic mortgage planning and problem-solving for self-employed borrowers and unique loan scenarios.
Known for clear communication and education-first guidance, Tim helps borrowers understand the full picture of homeownership — including Florida-specific factors like insurance, taxes, HOA fees, condos, and investment property financing — so they can make confident financial decisions throughout the mortgage process.
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Certified by Tim Lyons, Florida Mortgage Broker NMLS# 2182927 - PMF, Inc. • Aug 16, 2026
Tim Lyons, Florida Mortgage Broker NMLS# 2182927 - PMF, Inc.
Certified by Tim Lyons, Florida Mortgage Broker NMLS# 2182927 - PMF, Inc. • Aug 16, 2026
MondayOpen 24 Hours
TuesdayOpen 24 Hours
WednesdayOpen 24 Hours
ThursdayOpen 24 Hours
FridayOpen 24 Hours
SaturdayOpen 24 Hours
SundayOpen 24 Hours
Reviews
5.0
35 reviews
5 stars
35
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Gino Zagarrio
Aug 7, 2026
5.0
Great service!
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Laurie Osteen
Jul 23, 2026
5.0
Tim was very diligent. Always available for help and guidance.. Wouldn't have been able to buy this house without him.. Thank you Tim. Any one would be lucky to work with you.
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Todd Sampson
Jul 23, 2026
5.0
Tim is awesome 👍🏻, he is always available night or day for you. I am a first time buyer and I did not realize how much has to be done. Tim was there for us from start to finish. He got it done.
MD
Mark Depasquale
Jul 17, 2026
5.0
Tim was "TEMENDOUS" Professional, always available, kind, understanding, knowlegable, respectful, responsive. And above all extremely honest and oozes with integrity! I had looked for year. I had delt with two unscrupulous and unprofessional shady brokers. Therefore I had a bad taste in my mind and low opinion about brokers, and My wife and me were determine to simply use my bank. Chase Bank. However Thanks to God,; WE FOUND TIM AND PIONEER!!
We would never have found our home and felt confident to move forward and purchase with out Tim's guidance, and the team at Pioneer.
It is not easy to meet my expectations of service.
And Tim blew my expectations away.
If you are purchasing or hoping to, "CALL TIM LYIONS AND PIONEER" and go no further.
Thank you Tim. AND THANK THE LORD WE FOUND YOU! 1🙂🙃😊☺️🙏🤲👐🙌🤝🙌
RY
Raquel Yon
May 6, 2026
5.0
Tim Lyons made what could have been one of the most overwhelming parts of buying my first home feel smooth, manageable, and truly supported. As a first-time homebuyer, I honestly don’t have enough words to express how grateful I am for everything he did for me throughout this process.
From the very beginning, Tim was attentive, responsive, and always willing to take the time to explain things in a way that made sense. He consistently checked in, answered every question I had, and made sure I understood each step along the way. No matter how busy things got, he made me feel like a priority.
What stood out the most was how he handled a very stressful situation. I was literally preparing to close on a home when everything suddenly fell through due to title issues with the seller. I was devastated and unsure of what to do next, but Tim immediately stepped in and got to work behind the scenes. In less than two weeks, he helped move everything forward so I could get into another home, making what could have been a heartbreaking setback so much easier to handle.
His professionalism, patience, and dedication truly made all the difference during such an important milestone in my life. The loan process can be intimidating, but Tim made it feel seamless and far less stressful than I ever expected.
Buying my first home is something I’ll never forget, and I’m so thankful Tim was a part of that journey. If I could give him 10 stars, I absolutely would. Thank you so much, Tim, for your hard work, guidance, and for helping make this dream a reality.
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