Welcome to my webpage. I am an employee of VHB Mortgage.  My name is Tim Draves, I have been a loan officer for the past 14 years and have built my business through honest and open communication.  Whether you are looking to purchase a new home or refinance a current home, I will always look for the best possible solution for your current situation.  At VHB Mortgage we have many loan programs to suit almost any financial situation.

At VHB Mortgage, we have a wide variety of Grant programs available, for first-time buyers and others.  We can offer Grants from $5,000 to $15,000 to use for down payments and closing costs assistance. This grant money is forgivable over a five year period and you never have to make payments on the money when you own and live in the home for that period. In this competitive market, buyers need an edge to make their contracts stand out. Eligibility for the grant program is subject to income and other qualifications. Call me today to see if this will work for you.

Call today for a free consultation.  Do not forget to ask about our no money down program and our $5,000.00 first time homebuyer grant program.

I look forward to working with you.