Tim Spears
Branch Manager at Veterans United Home Loans · Hinesville, GA
NMLS ID 1191068 (opens in a new tab) · verify at NMLS Consumer Access
Tim Spears (NMLS 1191068) is Branch Manager at Veterans United Home Loans, based in Hinesville, GA. Licensed in Florida, confirmed with the state regulator (license LO55569). Veterans United Home Loans also offers FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan and 1 more (a lender program, not confirmed as their own focus). Earliest state license record: August 13, 2018 (Florida), per state regulator.
Last verified . Sources: Veterans United Home Loans (hinesville.veteransunited.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: August 13, 2018 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle), USDA loan and VA loan. Programs Veterans United Home Loans offers (verified 2026-10-10). Lender-level: not confirmed as Tim's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO55569, first effective 2018-08-13), verified 2026-10-15.
Contact
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Employment history
Veterans United Home Loans NMLS 1907
Current · Hinesville, GA · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Tim is a U.S. Army Veteran who served as an infantry team leader on active duty from 2005 to 2009, including a 15-month deployment to Iraq.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender site · hinesville.veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Lender programs | lender site · veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · hinesville.veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · hinesville.veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · hinesville.veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Tim Spears (NMLS 1191068), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/timothy-spears-1191068, last verified 2026-10-15.
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