1. Home
  2. Tampa Mortgage Lenders

Best Mortgage Lenders in Tampa, FL

Sept. 26, 2019, 9:36 p.m.

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. Our partners at ConsumerAffairs looked at the best mortgage lenders in Tampa based on their reputations, ease of application and hands-on guidance.

×
#1
MOST POPULAR
AmeriSave

Get a quote in minutes!

CALL AMERISAVE
(866) 815-0655
Sponsored Ad
#1 MOST POPULAR
AmeriSave
AmeriSave
Features
  • Fixed & adjustable rate
  • FHA, HARP & USDA loans
  • Jumbo loans
  • Cash out refinance
Read More
CALL AMERISAVE
(866) 815-0655
Sponsored  Ad
#2
HomeDirect
HomeDirect
Features
  • Direct lender
  • Loan servicing
  • VA loans
  • Online application
Read More
VISIT WEBSITE Sponsored  Ad
Marimark Mortgage
Marimark Mortgage
Features
  • 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
Heckman Mortgage
Features
  • FHA & DPA loans
  • VA loans
  • USDA loans
  • Jumbo mortgages
Location
13139 W. Linebaugh Ave., Ste. 101
Tampa, FL 33626
(813) 749-7776
LoanFlight.com
LoanFlight.com
Features
  • M-Th: 9am - 8pm
  • F: 9am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • loanflight.com
Location
2502 Rocky Point Dr., Ste. 510
Tampa, FL 33607
(888) 550-7305
Bay to Bay Lending
Bay to Bay Lending
Features
  • M-Sun: 8am - 9pm
  • baytobaylending.com
Location
1001 W. Cleveland St., Ste. B
Tampa, FL 33606
(813) 251-2700
Metroplex Mortgage Services
Metroplex Mortgage Services
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • mplx.org
Location
8622 N. Himes Ave.
Tampa, FL 33614
(800) 806-9836
RP Funding
RP Funding
Features
  • 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
Titan Home Lending
Features
  • M-Sun: 7am - 10pm
  • titanhl.com
Location
4302 Henderson Blvd., Ste. 114
Tampa, FL 33629
(813) 250-9663
PRMG
PRMG
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • prmg.net
Location
2602 E. 7th Ave.
Tampa, FL 33605
(888) 487-3332
NFM Lending
NFM Lending
Features
  • 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
GuaranteedRate
Features
  • 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
Lincoln Lending Group
Features
  • M-Sat: 9am - 6pm
  • Closed Sun
  • lincolnlend.com
Location
6944 W. Linebaugh Ave., Ste. 101
Tampa, FL 33625
(813) 319-5363
Tampa One
Tampa One
Features
  • M-Sat: 8:30am - 5:30pm
  • Closed Sun
  • themortgagefirmtampa.com
Location
6521 Gunn Hwy.
Tampa, FL 33625
(813) 605-1467
Gershman Mortgage
Gershman Mortgage
Features
  • 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
Carrington Mortgage Services
Features
  • 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.

AmeriSave

AmeriSave

CALL AMERISAVE

(866) 815-0655

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.

Sponsored Ad

HomeDirect

HomeDirect VISIT 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.

Sponsored Ad

Marimark Mortgage

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.

Heckman 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.

Advertising Disclosure Learn more

The information on our website is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use. We may receive advertising revenue from some partners. See our FAQs for more information. At ConsumerAffairs we take privacy seriously, please refer to our Privacy Policy to learn more about how we keep you protected. You’re responsible for yourself so please remember that your use of this site constitutes acceptance of our Terms of Use. Copyright © 2019 Consumers Unified LLC. All Rights Reserved. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission.