★ NMLS #7411 · Licensed in 11 States

Your mortgage,
done right.

Since 2005, I've helped hundreds of families navigate the mortgage process — from first-time homebuyers to investment property pros. Let me build a custom quote that fits your goals, your budget, and your life.

20+
Years Experience
11
States Licensed
550+
Min Credit Score
TH

Timothy Heyne

Sr. Executive Mortgage Broker & Production Manager · First Commonwealth Mortgage
(502) 354-3963 · (502) 657-1553
theyne@firstcm.net
12004 Shelbyville Rd, Louisville, KY 40243
NMLS #7411 · Company NMLS #1401 · Licensed AL, CO, FL, GA, IN, KY, MD, MN, OH, TN, VA

Everything mortgage,
under one roof.

Whether you're purchasing your first home, refinancing, or building an investment portfolio — I have the right product for you.

🏠
Conventional Loans
Flexible terms from 8 to 30 years. Great rates for qualified borrowers.
🏛️
FHA Loans
Low down payment options. Credit scores down to 550 — we make homeownership accessible.
🎖️
VA Loans
Honoring those who served. Zero down payment for eligible veterans and service members.
🌾
USDA Loans
Rural and suburban home financing with low rates and no down payment required.
💎
Jumbo Loans
Financing above conventional loan limits for luxury and high-value properties.
📊
DSCR / Investment
Debt-Service Coverage Ratio product for investment properties — qualify on rental income. Available in 38 states. See states ▾
🏦
Bank Statement
Self-employed? Qualify using 12–24 months of bank statements instead of tax returns.
💰
HELOCs & HELOANs
Tap into your home's equity for renovations, debt consolidation, or any major goal.
TH
2005
In the business since

Experience you can trust. Service you'll remember.

I've been with First Commonwealth Mortgage since the summer of 2005 — working with every loan type imaginable and simplifying the process for clients and Realtors alike. When obstacles arise (and they always do), I face them head-on.

I'm a homeowner and investment property owner myself, so I understand both sides of the equation. I purchased my first home in 2008 and added an investment property in 2019. I live what I preach.

  • 20+ years closing loans and overcoming every obstacle
  • Licensed in 11 states — coast to coast coverage
  • I don't work bankers' hours — reach me when you need me
  • Real homeowner & investment property experience
  • Known for speed, communication, and early closings
Let's Talk Mortgages →

Ready to get started?

Pick a time that works for you. I'll call you at the number provided — no pressure, just a conversation about your goals.

Flexible scheduling
Morning, evening, weekends — I work around your schedule.
No pressure calls
Just a friendly conversation about your mortgage goals — zero sales pressure.
Custom quote in hand
Walk away with a personalized mortgage analysis built for your situation.
Or reach me directly

Request a Consultation

I'll confirm your appointment within a few hours.

Request Received!

Thanks! I'll reach out within a few hours to confirm your appointment. In the meantime, feel free to call or text me directly at (502) 354-3963.

Note: This form sends an appointment request. For immediate assistance, please call or text Tim directly. By submitting, you agree to be contacted regarding your mortgage inquiry.

What clients are saying.

★★★★★
"

Tim is great at what he does. His communication skills since day one and throughout the process were the best! He is on top of things and giving his best input during the process, so that everything goes as smoothly as possible until closing is complete.

Verified Client
Reviewed via Realtor · May 2021
★★★★★
"

As a Realtor, Tim has been the best lender I've worked with so far. He got the clear to close a week early. During closing, the closing attorney complimented how efficient Tim was throughout the entire loan process.

Buyer's Realtor
Multi-State Transaction · September 2021
★★★★★
"

He always was quick to respond to any questions or concerns from me or the client. He seemed to always be available to help despite us being in different states with a time zone difference. Tim made this closing happen.

Realtor Partner
Interstate Transaction · 2021

Licensed across 11 states.

Wherever you're buying, I may be able to help. Here are the states where I'm currently licensed to originate mortgages.

AL Alabama #51536
CO Colorado #100512827
FL Florida #LO1407
GA Georgia #26455
IN Indiana #35560
KY Kentucky #15410
MD Maryland #7411
MN Minnesota #MN-MLO-7411
OH Ohio #MLO-OH.7411
TN Tennessee #106472
VA Virginia #MLO-4420VA

NMLS Personal #7411 · First Commonwealth Mortgage NMLS #1401

Let's get in touch.

I don't work bankers' hours. Call, text, or email — I'm here when you need me.

Direct Line
(502) 657-1553
Cell / Text
(502) 354-3963
Office
12004 Shelbyville Road
Louisville, KY 40243
Follow Tim
NMLS #7411 · First Commonwealth Mortgage NMLS #1401 · Equal Housing Lender · This is not a commitment to lend. Rates and programs subject to change without notice. Not available in all states.

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