Business Details
Your Trusted Mortgage Partner in Saint Petersburg, FL
Team Stapleton is a dedicated mortgage lending partner committed to guiding Florida homeowners through every stage of the home financing process. With over 60 years of combined industry experience, our local team in Saint Petersburg specializes in delivering personalized mortgage solutions tailored to individual financial needs. We pride ourselves on local market expertise, ensuring faster turnarounds and streamlined transactions from appraisal to closing. Our commitment to personalized service treats every client like family, offering clear explanations of mortgage options while maintaining transparent communication throughout the process. We operate with integrity and honesty, focusing on education and empowerment to make home financing decisions informed and confident.Our team's background includes military service and luxury real estate consulting, bringing diverse perspectives to mortgage solutions. We handle all aspects of mortgage lending in-house, including first-time homebuyer programs, refinancing, reverse mortgages, and specialized loan options for unique financial situations. Our mission is to transform home financing into a smooth journey by combining industry expertise with a five-star client experience. Founded on principles of trust and service, we remain dedicated to excellence in mortgage lending across Florida's dynamic real estate market.
Services
FHA Loans
VA Loans
Reverse Mortgages
Refinancing
USDA Loans
Conventional Loans
Jumbo Loans
Debt Consolidation Refinance
Cash-Out Refinance
First-Time Homebuyer Programs
Highlights and features
- We offer 60+ years of combined mortgage lending experience in Florida's real estate market
- Our team provides personalized mortgage guidance tailored to individual financial situations
- We maintain transparent communication with no hidden fees throughout the lending process
- We handle all mortgage transactions in-house for faster, more efficient service
- Our leadership includes NMLS-licensed professionals with specialized mortgage expertise
Associations and certifications
- Member FDIC
- Equal Housing Lender
What people say
Amazing home buying process
Quick email responses
Timely answers
Stress-free experience
Highly recommend
Services
FHA Loans
FHA Loans provide accessible mortgage options for buyers with limited savings or credit challenges. These government-backed loans require as little as 3.5% down payment while offering flexible qualification criteria. Our team specializes in helping Florida homebuyers leverage FHA programs to achieve homeownership with favorable terms and competitive rates.
VA Loans
VA Loans offer zero down payment mortgage solutions exclusively for veterans and active-duty military personnel. These specialized loans eliminate private mortgage insurance requirements while providing favorable interest rates. Our NMLS-licensed team assists Florida service members in accessing these benefits through streamlined application processes and expert guidance.
Reverse Mortgages
Reverse Mortgages help Florida homeowners aged 62+ access established home equity without monthly payments. These federally insured loans provide tax-free funds through multiple payout options while maintaining home ownership. Our specialists guide clients through HECM programs to enhance retirement financial security with customized solutions.
Refinancing
Refinancing services help Florida homeowners optimize their mortgage terms through rate reductions, cash-out options, or debt consolidation. We offer conventional refinancing, FHA/VA streamline programs, and debt consolidation solutions. Our team analyzes individual financial situations to identify savings opportunities and improve long-term mortgage affordability.
USDA Loans
USDA Loans enable rural property purchases with zero down payment requirements. These specialized mortgages serve eligible Florida buyers in designated rural areas through 100% financing options. Our experts help clients navigate USDA program requirements while maximizing seller credit benefits and closing cost flexibility.
People
Steve Stapleton
Branch Manager
Branch Manager with NMLS #318179 and 25+ years mortgage industry experience. Former Air Force firefighter brings service-oriented approach to mortgage lending. Specializes in first-time homebuyer programs and complex loan scenarios while maintaining hands-on client guidance.
Amanda Stapleton
Operations Manager
Operations Manager with NMLS #318314 and background in real estate development. Ensures efficient mortgage processing and premium client experience. Focuses on operational excellence while maintaining personalized service standards across all mortgage transactions.
Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
Fixed-rate mortgages maintain consistent interest rates throughout the loan term, while adjustable-rate mortgages (ARMs) have rates that may change periodically based on market conditions.
How do I know how much I can borrow for a mortgage?
Borrowing capacity depends on income, credit score, debt-to-income ratio, and loan type. Our team analyzes these factors to determine appropriate loan amounts during pre-approval consultations.
What documents are needed to apply for a mortgage?
Typical requirements include income verification, tax returns, bank statements, identification, and debt/asset information. Our specialists provide specific documentation checklists during initial consultations.
How long does the mortgage approval process take?
Approval timelines vary by loan type and financial complexity, typically ranging from several days to weeks. We prioritize efficient processing while maintaining thorough underwriting standards.
What mortgage programs are available for first-time homebuyers?
We offer FHA loans (3.5% down), VA loans (zero down for veterans), USDA loans (rural zero down), and conventional 97/HomeReady programs (3% down) with specialized assistance programs.
