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Tampa, FL Mortgage Loans
FHA, VA, conventional, jumbo, and investor financing for buyers and homeowners across Tampa Bay - from South Tampa and Hyde Park to Brandon, Riverview, New Tampa, and Westchase.
First-Time Homebuyer
Down payment assistance and first-time buyer programs for Tampa homebuyers. FHA, VA, USDA, and state-backed options depending on your scenario.
Explore This OptionFHA Loans
FHA loans in Tampa with as little as 3.5% down and flexible credit guidelines. A strong option for buyers in Hillsborough County and surrounding markets.
Explore This OptionVA Loans
Zero down financing for eligible veterans and active-duty service members in Tampa. No PMI required, subject to VA eligibility and lender guidelines.
Explore This OptionUSDA Loans
Zero-down USDA financing for eligible suburban and rural properties near Tampa. Property and income eligibility requirements apply.
Explore This OptionDSCR Loans
Investor loans that qualify on rental income, not tax returns. Ideal for Tampa rental properties, vacation rentals, and portfolio expansion.
Explore This OptionRefinance
Rate-and-term refinance, cash-out, and VA IRRRL options for Tampa homeowners. Compare scenarios with a loan officer based on your current rate and equity.
Explore This OptionBank Statement Loans
Self-employed borrowers in Tampa may qualify using 12-24 months of bank deposits instead of W-2s or tax returns. Subject to lender and program guidelines.
Explore This OptionAlso available in Tampa:
Tampa Mortgage FAQ
What mortgage programs are available to Tampa homebuyers?
Tampa buyers may qualify for FHA, VA, conventional, jumbo, USDA (in eligible suburban and rural zip codes), DSCR investor loans, bank statement loans, and renovation financing, depending on their credit profile, income type, and property. Programs are subject to credit, income, property, and lender guidelines. Talk with a loan officer about your specific scenario.
Can I use a VA loan if I'm stationed at MacDill Air Force Base?
Yes. Eligible active-duty service members, veterans, and surviving spouses may use VA loan benefits to purchase a home in Tampa and the surrounding area with no down payment and no private mortgage insurance requirement, subject to VA eligibility and lender guidelines. Many active-duty borrowers buy in Brandon, Riverview, Valrico, and South Tampa.
How does flood insurance affect getting a mortgage in Tampa?
Many properties in Tampa and Hillsborough County are in FEMA-designated flood zones. Lenders require flood insurance on homes in Special Flood Hazard Areas, and flood insurance premiums can affect your debt-to-income ratio. Your loan officer can help you understand how flood zone status may affect your loan qualification and monthly payment.
What are home prices like in Tampa and do I need a jumbo loan?
Tampa home prices vary widely by submarket. South Tampa, Hyde Park, and waterfront properties often exceed conforming loan limits, which may require a jumbo loan. More affordable submarkets like Brandon, Riverview, New Tampa, and Carrollwood typically stay within conventional conforming limits. Your loan officer can confirm whether your target property falls above or below the current conforming limit for Hillsborough County.
Are DSCR investor loans available for Tampa rental properties?
Yes. Tampa's strong long-term and short-term rental market makes DSCR (Debt Service Coverage Ratio) loans a popular choice for investors. DSCR loans qualify based on the property's rental income rather than your personal tax returns, which can be a significant advantage for investors with multiple properties or complex income situations.
Ready to Compare Mortgage Options in Tampa?
Talk with a loan officer about your scenario. Programs subject to credit, income, property, and lender guidelines.
American Mortgage Services — Licensed Mortgage Broker in AL, FL, GA, LA, MI & TN — Equal Housing Lender