Business Details
22 Years
experience
Trusted Mortgage Lender in Tampa, FL
The Mortgage Firm Tampa One has been a trusted partner in residential mortgage lending since 2004, serving real estate professionals, homebuyers, and homeowners across Florida. Our team of seasoned experts brings over two decades of specialized knowledge in mortgage financing, combining deep local market insights with a commitment to integrity and transparency. We prioritize client service through streamlined processes, wholesale rate access, and 24/7 availability, ensuring personalized support from application to closing.With a proven track record of navigating complex loan scenarios and maintaining a near-perfect VA loan closure rate, we deliver reliable, ethical solutions tailored to each client's unique needs. Our laser focus on communication and accountability has earned us consistent growth and referrals from satisfied clients and realtors since our founding.
Services
Conventional Loans
VA Loans
Jumbo Loans
FHA Loans
USDA Home Loans
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of mortgage industry expertise with a focus on Tampa Bay market nuances
- We provide wholesale rates through multiple A-rated lending partners while maintaining in-house control
- Our team is available evenings and weekends for personalized client support
- We maintain a near-perfect VA loan closure rate through meticulous documentation processes
- We combine direct lending capabilities with the ability to shop nationwide for optimal rates
What people say
Timely responses
Competitive interest rates
Simple and easy process
Trustworthy and honest
Highly recommend to anyone
Services
Conventional Loans
Conventional loans offer flexible down payment options starting at 3% with loan terms ranging from 10 to 30 years. These fixed-rate and adjustable-rate mortgages suit primary residences, investment properties, and second homes. Our direct lending model combines wholesale rate access with personalized underwriting to deliver competitive terms for borrowers with diverse financial profiles.
VA Loans
VA loans provide 100% financing for eligible veterans and service members with no mortgage insurance requirements. Our specialized team processes these government-backed loans efficiently, accommodating credit scores as low as 620 and offering jumbo options up to $1.5 million. We maintain a near-perfect closure rate through expert handling of VA-specific documentation requirements.
Jumbo Loans
Jumbo loans finance properties exceeding conventional loan limits with amounts up to $5 million. These mortgages cater to high-net-worth individuals needing specialized underwriting for complex income structures. Our direct lending capabilities and multiple A-rated partner relationships ensure competitive rates and flexible terms for luxury home purchases and investments.
FHA Loans
FHA loans enable homeownership with 3.5% down payments and lenient credit requirements, ideal for first-time buyers. Our streamlined process closes these government-insured loans within 20 days while accommodating non-traditional credit histories and gift funds for down payments through proper documentation and expert guidance.
USDA Home Loans
USDA loans offer zero-down payment options for properties in eligible rural areas with flexible credit standards. Our specialists navigate the unique appraisal requirements and eligibility verification processes to help borrowers access these government-backed programs with closing cost assistance and post-hardship qualification pathways.
People
Chris Kidder
Branch Manager & Loan Consultant
With over 20 years in mortgage lending, Chris specializes in Tampa Bay market financing solutions. His client-focused approach and expertise in complex loan scenarios have earned consistent referrals from real estate professionals and satisfied borrowers.
Sarah Crickey
Loan Consultant
Sarah brings extensive mortgage industry experience, providing personalized guidance for first-time homebuyers and seasoned investors. Her attention to detail ensures smooth transactions across various loan programs while maintaining responsive communication throughout the process.
Troy Arch
Loan Officer
Troy specializes in VA and jumbo loan programs, leveraging his expertise to help military families and high-net-worth clients achieve homeownership. His thorough understanding of underwriting guidelines ensures efficient processing for complex financial situations.
Justin Howard
Personal Loan Manager
Justin focuses on tailored mortgage solutions, combining product knowledge with market insights to help clients navigate financing options. His proactive approach ensures timely closings while maintaining clear communication at every transaction stage.
Ivan Navarro
Loan Consultant
Ivan provides comprehensive mortgage guidance, specializing in conventional and FHA loan programs. His commitment to client education and transparent communication helps borrowers make informed decisions throughout the home financing journey.
Questions
What loan programs does The Mortgage Firm Tampa One offer?
We offer conventional, VA, FHA, USDA, jumbo loans, and various refinance options tailored to meet diverse homeownership needs across Florida.
How quickly can you process a mortgage loan?
Our average closing time is 20 days for qualified borrowers who provide complete documentation promptly, significantly faster than industry averages.
Do you offer financing for first-time homebuyers?
Yes, we specialize in FHA loans with 3.5% down payments and USDA loans requiring no down payment for eligible properties.
Can you help borrowers with credit challenges?
We work with clients to address credit issues, offering VA loans with minimum 620 scores and FHA options for scores as low as 580.
What sets your services apart from other lenders?
Our combination of wholesale rates, in-house processing, 20+ years of local expertise, and 24/7 client availability ensures superior service quality.
Do you service investment properties?
Yes, we provide financing solutions for investment properties through conventional loan programs with competitive terms and flexible requirements.
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