Business Details
22 Years
experience
Your Trusted Mortgage Broker in Tampa, FL
At SunPoint Home Loans, we prioritize individualized service, treating every client as a unique case rather than fitting them into rigid banking formulas. With 19 years of experience, we leverage partnerships with A-rated lenders and private portfolio lenders to offer tailored mortgage solutions for diverse client scenarios. Our team of seasoned professionals specializes in navigating complex underwriting guidelines and provides transparent guidance through every step of the home financing process. We emphasize education, offering 27 informative articles and a learning center to empower clients with knowledge about home buying. Our commitment to excellence is reflected in our 200+ 5-star reviews and a 15-day average closing time, supported by a local team of 9 dedicated employees.We specialize in conventional, FHA, VA, USDA, jumbo, and rehab loans, along with refinance options, ensuring clients access competitive rates and personalized support. Our mortgage calculators and prequalification tools help clients make informed decisions, while our 24/7 customer service ensures continuous support. We maintain strong relationships with wholesale mortgage banks nationwide, enabling us to secure favorable terms across various loan programs. Our focus on communication and accessibility has earned us recognition as a trusted partner in mortgage services, with a proven track record of successful client outcomes.
Services
Fixed Rate Mortgage
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance
Cash Out Refinance
Rehab Loans
Investment Property Loans
First-Time Buyer Programs
Details
- Year established: 2004
Highlights and features
- We offer 19 years of mortgage industry expertise with personalized loan solutions
- Our team provides 24/7 personalized customer support for urgent needs
- We represent 100+ A-rated lenders with expanded underwriting guidelines
- Our 15-day average closing time ensures faster home purchase completion
- We provide 27 educational resources to empower informed mortgage decisions
What people say
Excellent communication
Easy accessibility
Experienced staff
24/7 support
Personalized attention
Services
Fixed Rate Mortgage
A fixed rate mortgage provides consistent interest rates and payments throughout the loan term. This service offers financial predictability for homeowners, protecting against market fluctuations. Ideal for long-term residents seeking budget stability, it includes 15, 20, 30-year options with transparent terms.
FHA Loans
FHA loans offer government-insured financing with flexible requirements. Designed for low-to-moderate income borrowers, these programs allow 3.5% down payments with competitive rates. We guide clients through mortgage insurance requirements and help qualify for this accessible homeownership option.
VA Loans
VA loans provide zero-down financing for eligible military personnel and veterans. Our specialists help verify service requirements and maximize benefits. These loans offer favorable terms without private mortgage insurance, supporting military families' homeownership goals with dedicated support.
Cash Out Refinance
Cash out refinance converts home equity into liquid funds. This service helps homeowners consolidate debt or finance improvements. We analyze current mortgage balances and property values to determine available equity, offering competitive rates for debt restructuring.
First-Time Buyer Programs
Our first-time buyer programs include down payment assistance and educational resources. We connect clients with trusted real estate agents and explain loan options like FHA and conventional 97. The service covers prequalification, budget planning, and closing cost considerations for new homeowners.
People
Mark Hogrefe
President | Mortgage Loan Originator
With NMLS# 173568, Mark leads our mortgage team with over 20 years of industry experience. He specializes in complex loan scenarios and maintains direct client relationships, ensuring strategic mortgage solutions for diverse financial situations.
Lee Pearson
Vice President | Mortgage Loan Originator
NMLS# 139372 holder Lee brings 18 years of mortgage expertise. He focuses on first-time homebuyer programs and investment property financing, helping clients navigate VA and USDA loan options with personalized guidance.
Nelson Garcia
Mortgage Loan Originator
Licensed with NMLS# 1063884, Nelson specializes in FHA loans and credit-challenged borrower solutions. He has processed over $500M in residential mortgages, emphasizing financial education and long-term affordability for clients.
Victoria Martinez
Mortgage Loan Originator
NMLS# 2060413 professional Victoria focuses on Tampa Bay area home purchases. She provides Spanish-language support and specializes in down payment assistance programs, helping diverse clients achieve homeownership through tailored mortgage strategies.
Nick Sipple
Mortgage Loan Originator
With NMLS# 1485053, Nick specializes in jumbo loans and high-value property financing. He assists clients with unique income documentation needs, offering creative solutions for self-employed borrowers and real estate investors.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, rehab, and investment property loans, along with refinance options. Our specialists help determine which program best fits your financial situation and homeownership goals.
How can I get prequalified for a mortgage?
Complete our online prequalification form with basic financial information. We'll review your details and provide a prequalification letter within one business day to help you start house hunting with confidence.
Do you offer low down payment options?
Yes, we offer FHA loans with 3.5% down, USDA loans with zero down for eligible buyers, and VA loans for military members. Our specialists explain each option's requirements and help choose the best fit for your situation.
How does the refinance process work?
We analyze your current mortgage terms, home equity, and financial goals. Our team explains cash-out options, rate reduction possibilities, and closing costs, guiding you through document preparation and final approval.
What credit score do I need to qualify?
Minimum scores vary by loan type: 620 for conventional, 580 for FHA, and no minimum for VA loans. We help improve credit profiles and explain how scores impact interest rates and mortgage insurance requirements.
How long does the mortgage process take?
Our average closing time is 15 days from application. We streamline the process through digital document submission, experienced underwriting partners, and dedicated loan officer support throughout the approval and closing stages.
