Tim Billups

President/Mortgage Loan Originator- Century Financial Group.
NMLS# 325108

[Tim Billups @tim_billups]

Downpayments Trending Lower https://t.co/hsl8opHzy1

[Tim Billups @tim_billups]

Mortgage Strategy Still Matters https://t.co/MyWpZQuF4V

[Tim Billups @tim_billups]

Qualifying as a First-Time Homebuyer: A Step-by-Step Guide with Century Financial Group https://t.co/wR0ckpoCgb

[Tim Billups @tim_billups]

Refinancing isn’t about chasing headlines or guessing the market. It’s about strategy. When we help homeowners refinance, we look at the full picture—interest rates, loan terms, equity, cash-flow goals, and long-term financial impact.

[Tim Billups @tim_billups]

Rates have dropped over 1% year-over-year as of January 2026, according to Freddie Mac and Mortgage News Daily—and that could mean significant savings on your monthly payment. The math is simple: lower rate = lower payment = more money for what matters to you.

[Tim Billups @tim_billups]

We have been fielding a lot of questions lately about refinancing. Is now the right time to refinance? It depends on your specific situation. Refinancing isn't just about rates. Consider your timeline - do you plan to stay in your home for at least 3-5 more years? Give us a call.

[Tim Billups @tim_billups]

@bradley_billups hell of a year.

[Lake Mary Football @LMRamsFootball]

Congratulations to @bradley_billups for breaking Taylor Richards’ 13 year old DB Bench Press record at Lake Mary with a 320 lb bench!

[Tim Billups @tim_billups]

https://t.co/R1JZgundmu

[Tim Billups @tim_billups]

Some frequently asked mortgage questions are answered below:

[Tim Billups @tim_billups]

Homeownership > Renting

[Tim Billups @tim_billups]

Hello from Tim Billups - Dedicated to Mortgage Excellence https://t.co/vL3D1mUuXp