Tim Lucas has been helping consumers make smart financial decisions for more than 20 years. After spending more than a decade in the mortgage industry, he started blogging about homebuying in 2013. His writing has appeared in national publications such as Time, U.S. News, MSN, and The Mortgage Reports. He can now be found writing for his site, ThisIsMortgage.com. Tim Lucas is a third-party writer. His articles on Money have not been reviewed by in-house staff at Money.