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Find the Best Mortgage Lenders in Tampa, FL

Tampa remains one of the most affordable housing markets on the East Coast, and home loans are accessible to people who might struggle to buy in other places. A good mortgage professional will help you choose the loan that fits your needs. We researched the best mortgage lenders in Tampa based on their reputations, ease of application and hands-on guidance.

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    Compare Top Mortgage Lenders

    #1 OUR FAVORITE
    AmeriSave
    Overall satisfaction rating
    • Fixed & adjustable rate
    • FHA, HARP & USDA loans
    • Jumbo loans
    • Cash out refinance

    Get a quote in minutes!

    (866) 815-0655 Read More
    #2
    HomeDirect
    Overall satisfaction rating
    • Direct lender
    • Loan servicing
    • VA loans
    • Online application

    This direct lender is a division of Bank of Oklahoma Financial. It uses the latest technology like an online automated application system to help clients get the money and information they need as efficiently as possible.

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    Marimark Mortgage
    • VA, FHA & USDA loans
    • Renovation loans
    • Reverse motgages
    • Investor multi-property loans
    Location
    5327 Primrose Lake Cir.
    Tampa, FL 33647
    (813) 910-8020
    Heckman Mortgage
    • FHA & DPA loans
    • VA loans
    • USDA loans
    • Jumbo mortgages
    Location
    13139 W. Linebaugh Ave., Ste. 101
    Tampa, FL 33626
    (813) 749-7776
    LoanFlight.com
    • M-Th: 9am - 8pm
    • F: 9am - 6pm
    • Sat: 10am - 3pm
    • Closed Sun
    Location
    2502 Rocky Point Dr., Ste. 510
    Tampa, FL 33607
    (888) 550-7305
    Bay to Bay Lending
    • M-Sun: 8am - 9pm
    • baytobaylending.com
    Location
    1001 W. Cleveland St., Ste. B
    Tampa, FL 33606
    (813) 251-2700
    Metroplex Mortgage Services
    • M-F: 9am - 5pm
    • Closed Sat and Sun
    • mplx.org
    Location
    8622 N. Himes Ave.
    Tampa, FL 33614
    (800) 806-9836
    RP Funding
    • M-F: 8am - 7pm
    • Sat: 9am - 5pm
    • Closed Sun
    • rpfunding.com
    Location
    500 N. West Shore Blvd.
    Tampa, FL 33609
    (321) 397-4420
    Titan Home Lending
    • M-Sun: 7am - 10pm
    • titanhl.com
    Location
    4302 Henderson Blvd., Ste. 114
    Tampa, FL 33629
    (813) 250-9663
    PRMG
    • M-F: 9am - 5pm
    • Closed Sat and Sun
    • prmg.net
    Location
    2602 E. 7th Ave.
    Tampa, FL 33605
    (888) 487-3332
    NFM Lending
    • M-F: 9am - 5pm
    • Closed Sat and Sun
    • nfmlending.com
    Location
    14497 N. Dale Mabry Hwy., Ste. 235N
    Tampa, FL 33618
    (813) 961-3900
    GuaranteedRate
    • M-F: 8:30am - 6pm
    • Sat-Sun: 9am - 5pm
    • guaranteedrate.com
    Location
    1408 N. Westshore Blvd., Ste. 450
    Tampa, FL 33607
    (813) 498-0123
    Lincoln Lending Group
    • M-Sat: 9am - 6pm
    • Closed Sun
    • lincolnlend.com
    Location
    6944 W. Linebaugh Ave., Ste. 101
    Tampa, FL 33625
    (813) 319-5363
    Tampa One
    • M-Sat: 8:30am - 5:30pm
    • Closed Sun
    • themortgagefirmtampa.com
    Location
    6521 Gunn Hwy.
    Tampa, FL 33625
    (813) 605-1467
    Gershman Mortgage
    • M-F: 8:30am - 5pm
    • Closed Sun
    • gershman.com
    Location
    3501 E. Frontage Rd., Ste. 175
    Tampa, FL 33607
    (813) 644-4278
    Carrington Mortgage Services
    • M-F: 8am - 6pm
    • carringtonhomeloans.com
    Location
    5201 W. Kennedy Blvd., Ste. 132
    Tampa, FL 33609
    (844) 692-3053

    How to choose a mortgage lender in Tampa

    Tampa Skyline

    The housing market in Tampa is strong, and in 2018, the median home value is $211,200. Housing values have risen more than 12 percent in the last year, and they continue to increase. Tampa's median home listing price is $317,190, and the median price of homes that sold is $234,900. With 177 neighborhoods, Tampa communities are diverse. When you're ready to buy, you need the best mortgage lender who can help you choose the right loan for your target home.

    Types of mortgage loans in Tampa

    The most popular types of mortgages in Tampa are conventional loans and FHA, VA and USDA loans.

    • FHA loan: With a small down payment, Tampa residents can qualify for a government-subsidized FHA loan for a new home, rehabilitation project or construction.

    • VA loan: Many active and retired military personnel live in Tampa and use their VA loan benefits. There's no down payment or closing costs for the buyer.

    • USDA loan: Tampa is a city, but areas like Ruskin and Plant City are developing quickly, and buyers in those rural areas can use a USDA loan without a down payment requirement.

    Where to buy a home in Tampa

    The neighborhood you choose will impact the type of loan you get and the amount you need to borrow.

    Expensive Tampa neighborhoods

    According to the Consumer Financial Protection Bureau, a jumbo loan is a mortgage that's more than what the Federal Housing Finance Agency will buy from lenders. Tampa neighborhoods that might require a jumbo loan include areas in south Tampa, such as South MacDill Avenue and South West Shore Boulevard. Hyde Park, Davis Islands and Harbor Island have million dollar homes that will require you to work with a Tampa lender who specializes in jumbo mortgages.

    Up-and-coming Tampa neighborhoods

    Ybor is emerging as the place to be for Tampa residents who want to live in a walkable, urban area that's close to downtown and the beaches. It's one of the highest appreciating neighborhoods, which makes it a great place to buy. To finance a loft, townhouse or renovated single family home, find a lender who can put you in an FHA loan or a conventional mortgage that allows for a little rehab money.

    Tampa neighborhoods known for schools and safety

    South Tampa also ranks highly when it comes to good schools and safe streets. The Palma Ceia neighborhood is walkable, family-friendly and close to the desirable Bayshore Boulevard and its waterfront views. The average home value in Palma Ceia is $520,000. A conventional mortgage will cover what you need, but work with a Tampa lender who can best leverage your financial situation.

    Tampa Mortgage Lenders Reviews

    AmeriSave

    Tampa home buyers appreciate the ease of applying for a loan with AmeriSave. You can receive a quote online in minutes, and, once you’re approved, choose from a number of different loan products for your purchase or refinance. Close quickly on a fixed or adjustable rate mortgage or a VA, FHA or USDA loan.

    AmeriSave (866) 815-0655

    HomeDirect

    Tampa consumers who want the efficiency of technology and the personal service that comes with a human touch will appreciate HomeDirect, a direct lender that handles the application, transaction and servicing of Tampa mortgages and refinances. Online reviewers applaud HomeDirect’s professionalism and ability to keep the application process stress-free.

    HomeDirect

    Marimark Mortgage

    Based in Tampa, Marimark Mortgage helps local Tampa residents qualify for a loan, choose a mortgage or take the steps to refinance an existing home loan. Agents are licensed in Florida and available to educate Tampa homebuyers on the financial realities of owning a home.

    Marimark Mortgage

    Heckman Mortgage

    The Heckman Group is a local Tampa lender, offering products that range from conventional mortgages to jumbo loans as well as FHA, VA and USDA products. They’ll help you with down payment assistance, buying your first home and relocating to the Tampa area. Customers appreciate the company’s hands-on service.

    Heckman Mortgage