Best Mortgage Brokers in Tampa

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Last updated: September 30, 2022

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Agave Home Loans

Tampa, FL

Refinance

Agave Home Loans helps clients in the Tampa metro. This mortgage provider works directly with lenders, shopping for loan programs that offers the lowest possible interest rates and meet the financial capability of its clients. Committed to seeing their clients achieve their financial objectives, the company’s staff guides them through the process of acquiring conventional, VA, FHA, or Non-QM loans. This company also helps clients with their mortgage refinancing needs. Co-owner Doug Wang has over seven years of industry experience.

1st Florida Mortgage

2203 North Lois Avenue, Tampa, FL 33607

New Construction
Refinance
Reverse Mortgages

1st Florida Mortgage, powered by the MiMutual Mortgage company, is a direct mortgage lender for new home purchases and mortgage refinancing in Tampa. It provides conventional loans, FHA home loans, VA loans, USDA home loans, and jumbo loans. With its own in-house underwriting team, it aims to offer swift customer service by processing and closing loan deals in 28 days or less. Additionally, its team of mortgage loan professionals helps clients structure loan programs according to their needs.

A & A Mortgage Funding, Inc.

3419 Brook Crossing Drive, Brandon, FL 33511

New Construction
Refinance
Commercial Loans

A & A Mortgage Funding, Inc., is a mortgage broker that serves clients in Tampa and its surrounding areas. The company helps clients in finding the right loan option for their unique needs. It offers a wide range of mortgage options such as USDA, FHA, VA, conventional, purchases, and refinances. Permanent, home improvement, and bill consolidation loans are also available. A & A Mortgage Funding is led by mortgage broker Lisa Pusateri who has been in the industry since 1985.

AHL Hard Money Resources

14802 North Dale Mabry Highway, Tampa, FL 33618

Refinance

AHL Hard Money Resources is a Tampa company of mortgage professionals that specializes in financing and alternative financing options for homeowners and homebuyers in the area. With over 15 years of experience in the market, it helps clients secure hard money loans for home financing and refinancing. It extends its services to clients regardless of credit situation, debt levels, and income sources. All of its loan programs are equity-based and are usually closed within 5 to 12 days.

Bliss Mortgage LLC

5322 Primrose Lake Circle Suite A, Tampa, FL 33647

New Construction
Refinance
Reverse Mortgages

Bliss Mortgage, LLC, provides a wide variety of mortgage loan products to clients in Tampa. The broker has mortgage professionals who work with clients individually to educate them on the process and get the financing solution that meets their needs. Among the loan products it offers are home purchase loans, FHA loans, VA loans, conventional loans, and jumbo home loans. Clients have commended the brokers at Bliss Mortgage for their work ethic, knowledge, and honesty.

Compass Mortgage LLC

705 East Orange Street, Lakeland, FL 33801

New Construction

Compass Mortgage LLC is a full-service mortgage brokerage company serving the Tampa metro area and nearby localities. The firm assists first-time and experienced homebuyers in finding the right home loan option akin to their needs. Its independent mortgage brokers filter a variety of home loan products among multiple providers. These include conventional fixed-rate, ARMS, FHA, VA, and USDA. The group also helps clients who wish to refinance their existing mortgage. The company is locally owned and operated in Lakeland.

CrossCountry Mortgage, LLC - Tampa, FL

2202 North West Shore Boulevard, Tampa, FL 33607

New Construction
Refinance
Commercial Loans

CrossCountry Mortgage, Inc. is a mortgage lending and refinancing company in Tampa with a team of licensed professionals. The company offers fixed and adjustable rate mortgages, FHA, VA, and USDA home loans, FHA rehabilitation loans, Jumbo and reverse mortgages, and more. Other options include home equity lines of credit, home equity loans, and refinancing programs. CrossCountry Mortgage, Inc. welcomes first time homebuyers, homeowners, and Spanish-speaking applicants.

Dan Ernest

8141 Bellarus Way, Trinity, FL 34655

Refinance

Dan Ernest is the branch manager for Fairway Independent Mortgage Corporation's Trinity branch. He works with clients in the local area, including Tampa. Working in the mortgage industry since 2003, Dan is experienced in helping clients acquire financing options such as 203k loans, reverse mortgages, fixed rate loans, and FHA loans. Clients commend Dan and his team of loan officers for their solid communication skills and ability to relay complex mortgage information in simpler terms.

DDA Mortgage, Inc.

11701 South Belcher Road, Largo, FL 33773

Refinance

DDA Mortgage, Inc. is a licensed mortgage brokerage in Largo specializing in conventional mortgages, FHA and VA loans, and subprime commercial loans. The company offers personalized services including evening and weekend appointments, no cost or obligation pre-qualification interviews, expedient loan processing, full disclosure on all costs, and more. The loan officers at DDA Mortgage are all NMLS licensed, have completed rigorous testing, and pursue ongoing education to stay current on every law and regulation.

E Loans Mortgage Inc

13789 Linden Drive, Spring Hill, FL 34609

New Construction

E Loans Mortgage Inc. is a mortgage firm that serves Tampa and the surrounding areas. It comprises a team of specialists with more than 50 years of combined experience in the mortgage and real estate industry. The firm offers a number of loan options such as conventional loans, jumbo loans, FHA and VA loans, rural development loans, and reverse mortgage services. In addition, its website sports several tools for clients to use, such as calculators that help clients in debt consolidation and refinance analysis.

Embassy Mortgage Group

230 Main Street, Safety Harbor, FL 34695

Refinance

Embassy Mortgage Group, Inc. is a family-owned and operated mortgage company in Safety Harbor specializing in residential and commercial loans. The financial products offered include first-time homebuyer loans, down payment assistance loans, FHA, VA, and USDA loans, FHA 203K renovation, and refinancing loans. Other options include reverse mortgages for seniors, investment loans, condo loans, and investor loans with restoration funds included, constructions loans, home equity lines of credit, and foreign national loans.

First Security Mortgage Services, Inc.

13915 Carrollwood Village Run, Tampa, FL 33618

Refinance

First Security Mortgage Services, Inc., is a company that has been servicing the Tampa community since 1993. It assists clients looking to purchase or refinance their mortgage in choosing from a wide selection of loan programs. The company's website features a wealth of information about the mortgage process and how can clients calculate different types of mortgages. Its president, Faxon Bissett III, has been in the mortgage finance industry since 1992. He is available to assist clients round-the-clock.

Florida Mortgage Firm

2216 South Alexander Street, Plant City, FL 33563

New Construction
Refinance

Florida Mortgage Firm is a mortgage company in Plant City with extensive experience in the fields of real estate, title and insurance, retail banking, and credit union loan processing. The firm offers conventional mortgages, FHA, VA, USDA, and Jumbo loans. Other options include FHA and VA construction loans for qualified borrowers. Florida Mortgage Firm stands as the recommended source “for credible information relevant to mortgage lending” by The Tampa Bay Times.

Heckman Mortgage

13115 West Linebaugh Avenue, Suite 102, Tampa, FL 33626

New Construction
Multi-Family Loans

The Heckman Group is a Tampa-based subsidiary of Hamilton Home Loans. Its team of mortgage professionals is headed by the branch manager, Brian Heckman, who is a certified mortgage advisor with more than 20 years of experience in the industry. The Heckman Group provides various loan options, including FHA loans, VA loans, USDA loans, and DPA loans. It also offers financial advice for first-time homebuyers, as well as consultation services for mortgage refinancing.

Interim Capital Mortgage LLC

1135 Pasadena Avenue South, South Pasadena, FL 33707

Refinance

Interim Capital Mortgage, LLC is a mortgage brokerage business in St. Petersburg licensed in Florida and specializing in residential loans. The company offers conventional mortgages, VA and USDA loans, condo loans, second home loans, and Jumbo loans with loan amounts over $417,000. Interim Capital Mortgage also provides financing for investment properties for up to 80% of the valuation of the property.

Landmark Mortgage & Associates, Inc.

110 East Pine Street, Lakeland, FL 33801

Refinance

Landmark Mortgage & Associates, Inc., is a small team of five mortgage lenders serving Tampa and surrounding communities. The company helps clients secure no-down-payment loans such as USDA/Rural Development mortgages. It also offers conforming fixed-rate, long-term, and adjustable loans based on Freddie Mac and Fannie Mae loan limits and borrower or property guidelines. It assists clients in securing FHA loans, 203(k) loans, VA loans, ARMs, and refinancing programs that take advantage of low rates. Owner and president Taylor Caffey has been in the mortgage lending business for over 20 years.

Legacy Mortgage Lending Group

6152 Delancey Station Street, Riverview, FL 33578

Refinance

Legacy Mortgage Lending Group caters to the various financing needs in Tampa. Its line of loan products includes USDA rural development loans, FHA loans, VA loans, and refinance loans. Legacy Mortgage Lending Group deals with down payment assistance, condo financing, DACA residents, and conventional mortgages. Some of the benefits of these products include no penalty to interest rate, fixed-rate loan with no down payment, and no recapture fee. The company also has various tools for computing amortization, annual percentage rate, and debt consolidation.

Marimark Mortgage

5327 Primrose Lake Circle, Tampa, FL 33647

New Construction
Refinance
Multi-Family Loans

Marimark Mortgage LLC is a mortgage brokerage in Tampa serving homebuyers and homeowners in Florida, Virginia, and Pennsylvania. The firm specializes in conventional home mortgages with fixed or adjustable interest rates, all government-backed mortgages including FHA, VA, and USDA, refinancing, and reverse mortgages. Marimark Mortgage has extensive experience in cash-out refinancing and HARP refinancing. The company also has mortgage products specifically designed for real estate investors. Customers reported “process was smooth and efficient,” “provided excellent service,” and “personable and honest.”

Moneylink Mortgage

1265 South Myrtle Avenue, Clearwater, FL 33756

Refinance

Moneylink Mortgage is a local family-owned firm serving homeowners and homebuyers in Tampa and throughout the state. Established in 1999, it specializes in various mortgage products for clients seeking to purchase new properties or refinance existing mortgages. The firm also offers reverse mortgage and reverse purchase plans. Its loan programs include USDA, VA, FHA, jumbo, conventional, and non-QM loans. Refinancing options such as VA/FHA IRRRL, cash-out, and rate-and-term refinances are also available. Founder Michael Galasso has been working in the mortgage industry since 1994.

Monroe & Giordano

777 South Harbour Island Boulevard, Tampa, FL 33602

Commercial Loans

Monroe & Giordano is a privately owned mortgage banking firm in Tampa with over six decades of combined experience in commercial real estate financing. The company specializes in the funding for manufactured home communities, RV parks, and planned communities. Other areas of expertise include financing for commercial and industrial developments, apartments, condominiums, hotels, and self-storage units. Monroe & Giordano has closed over $2 billion in loans including commercial real estate investments.

Mortgage Approval Group

2918 Busch Lake Boulevard, Tampa, FL 33614

New Construction

Mortgage Approval Group, LLC, is a mortgage broker that handles purchasing, refinancing, and renovation mortgages for families in the Tampa area. It offers different loan programs such as fixed-rate mortgages, FHA, and VA loans. Scott Kepler, the company's principal broker and founder, has over 19 years of experience and is a trusted voice in the mortgage industry. He shares his expertise in the industry on The Consumer Quarterback Show on 1380AM THE BIZ.

Mortgage Plus

11560 Balintore Drive, Riverview, FL 33579

Refinance

Mortgage Plus is a mortgage brokerage firm in the Tampa area serving home buyers and individuals looking to refinance their existing loans. It provides a wide variety of loan programs, including conventional and FHA, with special VA loan programs for active military and veterans. Mortgage Plus assists homeowners with refinancing programs that reduce monthly payments, give cash out, and shorter loan terms. Other offerings include in-home consultations and custom recommendations. The company's website has a mortgage payment and comparison calculator for clients' use.

PennyMac Loan Services, LLC - Tampa, FL

9009 Corporate Lake Drive, Tampa, FL 33634

Refinance

Based in Westlake Village, PennyMac Loan Service, LLC, is a mortgage company that has been serving clients since 2008. It caters to homebuyers and investors in Tampa. The firm offers FHA, VA, USDA, conventional, and investment property loans. Borrowers can also choose from 15-, 20-, and 30-year fixed-rate mortgages, as well as adjustable-rate mortgages. Additionally, PennyMac assists its clients through its online application, Mortgage Access Center (m.a.c). A home value estimator and mortgage calculator are also available on the company's website.

Premier Lending Corp

Southwest 53rd Street, Tampa, FL 33330

Refinance

Premier Lending Corp. is a mortgage brokerage firm serving Tampa. With over 25 years of collective experience, its loan officers focus on providing personalized loans for residential and commercial investments. The company caters to first-time homebuyers and seasoned investors, arranging various loan programs such as FHA, VA, conventional, jumbo, and USDA. Premier Lending Corp. also assists foreign nationals in achieving their housing goals. Manny Fajardo, its president, worked for national mortgage lenders prior to starting the business.

Sharpe Mortgage

Tampa, FL

Refinance

Sharpe Mortgage is a mortgage brokerage firm serving residents in the Tampa area with a wide range of residential home mortgage products. It specializes in condo purchases and refinancing, offering a wide variety of loans including conventional, FHA, VA, and jumbo loans. Sharpe Mortgage provides homeowners with refinancing programs that help them get cash equity and reduce monthly payments. It is headed by Bud Gunter, a condo specialist with over 20 years of mortgage expertise.

The Associates Home Loan of Florida, Inc.

14802 North Dale Mabry Highway, Tampa, FL 33618

New Construction
Refinance

The Associates Home Loan of Florida, Inc., is a mortgage company that caters to Tampa and its surrounding areas. The firm helps its clients obtain home financing, including those who struggle with bankruptcy, foreclosure, and loss of income. It offers a wide range of loan options, such as commercial, conventional, fixed-rate, home equity, and nontraditional. Moreover, FHA, hard money, jumbo, VA, and reverse mortgages are available. The Associates Home Loan of Florida is also a member of the National Association of Mortgage Brokers.

The Mortgage Firm Tampa

8471 West Linebaugh Avenue, Tampa, FL 33625

Refinance

The Mortgage Firm is a private lender in Winter Park with more than two decades of experience in the lending business. The company features in-house processing, in-house underwriting, and utilizes local appraisers. Loan options include conventional loans with low down payment options, FHA and VA loans, USDA loans with 100% financing available to qualified borrowers, and Jumbo home loans for amounts greater than $417,000. The Mortgage Firm is a member of the Greater Tampa REALTORS.

The Mortgage Firm Tampa One

6521 Gunn Highway, Tampa, FL 33625

Refinance

The Mortgage Firm Tampa One offers mortgage services for purchasing residential properties. Since 1995, the company has been working with individual homebuyers, existing homeowners, builders, and real estate professionals to meet their investment goals. Partnered with an extensive lender network, the firm provides prospective buyers access to conventional loans, FHA, VA, USDA, and jumbo loan programs. Its Tampa-based loan officers can also arrange home refinancing options such as fixed-rate, cash-out, and government-backed FHA or VA refinancing.

The Mortgage Firm Trinity

2150 Seven Springs Boulevard, Trinity, FL 34655

Refinance

The Mortgage Firm Trinity is a Florida-based mortgage solutions provider that serves customers in Tampa and nearby communities. The locally-owned and locally-operated business helps individuals and families in making informed decisions on home loan acquisitions. Its mortgage brokers provide an array of mortgage loan options for homebuyers, such as conventional, down payment assistance, Jumbo, FHA, VA, and USDA. The professionals also assist homeowners who wish to change their current mortgage through refinancing. Past clients commended the firm for applying a simplified process for closing loans.

The Perfect Mortgage Experience

4021 North Armenia Avenue, Tampa, FL 33607

Reverse Mortgages

The Perfect Mortgage Experience is the company of mortgage loan originator, Gilbert Theophille, with over 15 years of experience. The company offers all types of mortgages including FHA, VA, and USDA, reverse mortgages, commercial loans, and loans for foreign nationals. Other services provided include credit repair and financial consulting to assist clients in making financial decisions. Customers reported “highly professional, knowledgeable, and responsive individual,” and “will highly recommend him to every person...in need of obtaining financing.”

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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