Mortgage loans in Tampa, FL
Tampa mortgage broker serving Hillsborough County. Conventional, FHA, VA, jumbo, first-time buyer, and refinance loans across South Tampa, Westchase, Carrollwood, New Tampa, and surrounding neighborhoods.
Tampa's mortgage market
Tampa is one of the fastest-growing major cities in the United States, and its mortgage market reflects that diversity. Whether you're buying a starter home in Brandon, a historic bungalow in South Tampa, a new construction home in New Tampa, or a high-rise condo downtown, the loan structure that fits will depend on your credit, down payment, and goals — not on a one-size-fits-all approach.
Loan programs popular in Tampa
- Conventional — fixed and adjustable, conforming and jumbo
- FHA — flexible-qualifying with 3.5% down
- VA — Tampa has substantial military presence (MacDill AFB)
- Jumbo loans — for South Tampa, Davis Islands, Hyde Park, and other higher-end neighborhoods
- First-time buyer programs with Florida down payment assistance
- Refinance & HELOC for existing Tampa homeowners
VA loans for MacDill-area service members
Tampa's MacDill Air Force Base creates a substantial population of active-duty service members and recent veterans. VA loans offer $0 down and no PMI — and Debbie's daughter is an Air Force veteran, so she takes particular care with VA files. Funding fee waivers are available for veterans receiving disability compensation; we verify status on every VA loan we originate.
Florida Hometown Heroes — major Tampa benefit
Tampa has a large workforce of teachers, healthcare workers, law enforcement, firefighters, and other Florida-based employees who qualify for the Hometown Heroes Housing Program. This program provides up to $35,000 in down payment and closing cost assistance through a 0% interest, deferred-payment second mortgage. It can be paired with conventional, FHA, or VA financing.
Jumbo loans for South Tampa & high-end neighborhoods
Loans above the conforming limit ($806,500 in 2026 for most Florida counties) require jumbo financing. Jumbo loans have stricter credit and reserve requirements but competitive rates for qualified borrowers. Debbie has access to multiple wholesale jumbo lenders for Tampa luxury properties.
Free Tampa consultation
The consultation includes credit review, pre-approval, identification of any down payment assistance you qualify for, and a side-by-side comparison of loan options.