Best Mortgage Brokers in Tampa Bay Area

    Areas served: Tampa, St. Petersburg, Clearwater

    32 local businessesRanked by Lantern Score — a measure of reputation and business quality. We don't accept payment for placement.
    Updated April 18, 2026

    Tampa Bay's active real estate market means mortgage brokers are essential for helping buyers navigate financing options. Brokers throughout Clearwater, St. Petersburg, and Tampa offer competitive rates and personalized loan solutions.

    Show businesses best for:
    86
    Lantern
    Score
    Tampa, FL
    Serves Tampa Bay area including Valrico, Brandon, Clearwater, Zephyrhills
    ★★★★★5.0(578 Google reviews)

    Jennifer Martinez is a VP of Mortgage Lending and top producer at CrossCountry Mortgage with 25 years of mortgage lending experience. She specializes in conventional, FHA, VA, and jumbo loans for purchases, refinances, and foreclosure properties across the Tampa Bay area. Jennifer prioritizes personalized service and communication, guiding clients through every step of the mortgage process to ensure they get the right financing solution for their specific situation.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, move-up buyers, VA loan borrowers, borrowers seeking refinancing, buyers purchasing foreclosure properties
    What sets them apart
    • Jennifer brings extensive mortgage expertise gained across multiple states, enabling her to match clients with the right loan product for their unique financial situation.
    • Offers conventional, FHA, VA, and jumbo loans, plus refinancing and foreclosure property financing—covering a broad range of homebuying and refinancing scenarios.
    • Recognized as a top producer at America's #1 Retail Mortgage Lender, demonstrating consistent excellence in client service and closing outcomes.
    Mortgage LoansHome FinancingRefinancingVA LoansFHA Loans
    Phone(813) 480-4747
    Jen Martinez at CrossCountry Mortgage
    Updated 5/5/26Learn More →
    86
    Lantern
    Score
    Tampa, FL
    Serves Tampa, FL and surrounding areas
    ★★★★★5.0(524 Google reviews)

    Fairway Independent Mortgage Corporation's Tampa branch offers comprehensive mortgage solutions including home purchase loans, construction financing, and refinancing options. Led by Branch Managers Rich Mize and Marshall Smith, the team of experienced loan officers works to match borrowers with competitive rates and terms tailored to their financial situation. With national resources and local expertise, Fairway guides clients through the entire mortgage process from application to closing.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, refinancers seeking better rates, home builders, borrowers wanting personalized mortgage guidance
    What sets them apart
    • Access to multiple lending products and competitive rates without being tied to a single bank or investor.
    • Branch managers and loan officers with extensive NMLS credentials dedicated to personalized service and guidance throughout the loan process.
    • Offers purchase loans, construction financing, and refinancing options to meet diverse homeownership and financial goals.
    Mortgage LenderHome LoansRefinancingPurchase Mortgages
    Phone(813) 857-5344
    Fairway Independent Mortgage Corporation
    Updated 5/5/26Learn More →
    86
    Lantern
    Score
    Land O' Lakes, FL
    Serves Tampa Bay area, including Land O' Lakes and surrounding communities
    ★★★★★5.0(494 Google reviews)

    SunPoint Home Loans is an education-based mortgage company serving the Tampa Bay area with 19 years of experience. They specialize in personalized financing solutions for home purchases and refinances, representing a wide range of A-rated lenders plus portfolio lenders with expanded underwriting guidelines to help unique borrower scenarios. Their team treats each customer individually, providing expert guidance, excellent communication, and an average 15-day close time.

    Best for: VeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, military veterans and active service members, homeowners looking to refinance, real estate investors, borrowers with non-traditional credit histories
    What sets them apart
    • SunPoint provides 27 educational articles and a learning center to help borrowers understand the mortgage process, from first-time buyer checklists to closing guidance.
    • They represent A-rated conventional lenders and private portfolio lenders with expanded guidelines, enabling solutions for non-traditional credit profiles and unique scenarios.
    • Their team treats each customer individually rather than using automated loan formulas, with an average 15-day close time and direct accessibility to local mortgage professionals.
    Mortgage LenderFirst-Time HomebuyersVA LoansRefinancingEducation-Based
    Phone(813) 920-7916
    SunPoint Home Loans
    Updated 5/5/26Learn More →
    86
    Lantern
    Score
    Tampa, FL
    Serves Tampa, FL and surrounding Tampa Bay region
    ★★★★★5.0(476 Google reviews)

    The Jane Floyd Team at NFM Lending specializes in mortgage lending and home financing solutions for buyers throughout the Tampa Bay area. With extensive experience helping first-time homebuyers, refinancing clients, and borrowers with VA and FHA loans, they provide personalized service and competitive rates. Their team focuses on making the mortgage process straightforward and accessible, with fast pre-approval and access to multiple lending programs.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan applicants, FHA loan borrowers, refinancing clients, jumbo loan seekers
    What sets them apart
    • Offers VA loans, FHA loans, jumbo loans, and conventional financing options to meet different buyer needs and financial situations.
    • Streamlined pre-approval system helps buyers move quickly from application to approval, supporting faster home purchase timelines.
    • Dedicated support for first-time homebuyers with education and guidance through every step of the mortgage process.
    Mortgage LendingHome FinancingVA LoansFHA LoansRefinancing
    Phone(813) 961-3900
    The Jane Floyd Team of NFM Lending
    Updated 5/5/26Learn More →
    86
    Lantern
    Score
    Tampa, FL
    Serves Tampa, Florida and surrounding areas; serves FL, PA, TN, MI, CO, IL, KY, DE, and AL
    ★★★★★5.0(471 Google reviews)

    The Orlicki Group is an independent mortgage broker in Tampa serving borrowers across eight states including Florida, Pennsylvania, Tennessee, and others. Led by founder Oliver Orlicki with 24+ years of mortgage and real estate experience, they specialize in tailored mortgage solutions for first-time homebuyers, self-employed borrowers, investors, and real estate agents. As a broker working on behalf of clients—not lenders—they shop multiple lenders to secure competitive rates, flexible loan programs (including jumbo and non-QM loans), and faster approvals, with a commitment to transparent communication and education throughout the mortgage process.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, self-employed borrowers, jumbo loan buyers, refinancing clients, real estate agents seeking financing partnerships
    What sets them apart
    • Works on behalf of borrowers, not lenders, shopping multiple top lenders to secure competitive rates and flexible loan options—including jumbo and non-QM loans for self-employed borrowers.
    • Founder Oliver Orlicki brings extensive mortgage and real estate experience to handle complex scenarios and non-traditional borrower situations with tailored solutions.
    • Provides pre-approval in under 24 hours and offers free educational tools, detailed mortgage guides, and personalized guidance throughout the entire process.
    Mortgage BrokerRefinancingFirst-Time BuyersJumbo LoansLocal Expert
    Phone(813) 302-1616
    The Orlicki Group
    Updated 5/5/26Learn More →
    86
    Lantern
    Score
    Largo, FL
    Serves Pinellas County and Pasco County, Florida, including Largo, Clearwater, St. Petersburg, Tampa Bay area, and surrounding communities
    ★★★★★5.0(470 Google reviews)

    DDA Mortgage is an independent mortgage broker in Largo, Florida, specializing in residential loans, commercial loans, and refinancing. Led by founder Didier Malagies with over 38 years of mortgage industry experience and over $1 billion in closed loans, DDA Mortgage offers personalized loan programs designed to maximize cash flow and minimize closing costs and interest charges. They serve Pinellas and Pasco County residents with expertise across multiple neighborhoods and loan programs.

    Best for: RefinancingCompetitive Rates
    Ideal clients: Homebuyers seeking personalized service, homeowners refinancing for better rates or cash-out equity, small business owners needing commercial loans, first-time buyers in Tampa Bay area
    What sets them apart
    • Founder Didier Malagies brings four decades of mortgage expertise and has closed over $1 billion in loans, providing clients with seasoned guidance on loan programs and rate optimization.
    • As an independent broker, DDA Mortgage can access multiple lenders and loan programs to find the best terms and rates for each client's unique situation, whether residential or commercial.
    • DDA Mortgage employs dedicated mortgage specialists for key neighborhoods across Pinellas and Pasco Counties, providing localized market knowledge and personalized service.
    Mortgage BrokerResidential LoansRefinancingCommercial LoansIndependent Lender
    Phone(727) 784-5555
    DDA Mortgage
    Updated 5/5/26Learn More →
    86
    Lantern
    Score
    Wesley Chapel, FL
    Serves Tampa Bay area including Wesley Chapel, Land O Lakes, and surrounding Florida cities, plus Plano, Texas
    ★★★★★5.0(441 Google reviews)

    My Easy Mortgage is an independent mortgage broker serving the Tampa Bay area and beyond with offices in Wesley Chapel, Land O Lakes, and Plano, Texas. They specialize in home purchases, refinances, and home equity loans, offering custom loan solutions and access to multiple wholesale lenders to secure competitive rates. Led by experienced loan originators including partners Sam Wax and Gilbert Bennett, the firm emphasizes fast closings (averaging under 30 days), transparency, and client education to make the mortgage process straightforward and stress-free.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, homeowners refinancing, buyers relocating to Tampa Bay, borrowers seeking competitive rates
    What sets them apart
    • My Easy Mortgage averages closing in under 30 days, reducing waiting periods and last-minute surprises for homebuyers and refinancers.
    • They work with multiple wholesale lenders to compare rates and find the best loan fit, rather than being limited to a single lender's products.
    • Their niche loan offerings allow them to design loans tailored to individual lifestyles and say yes when traditional lenders decline.
    Mortgage BrokerHome PurchaseRefinanceHome EquityFast Closing
    Phone(813) 513-9846
    My Easy Mortgage
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Tampa, FL
    Serves Tampa, Florida and surrounding areas
    ★★★★★5.0(302 Google reviews)

    Bliss Mortgage LLC is a Tampa-based mortgage firm specializing in home purchase and refinance loans throughout Florida. Led by owner Gerald Bliss and his team of experienced loan officers, they offer competitive rates and personalized service across multiple loan programs including conventional, FHA, VA, jumbo, and cash-out refinancing options. The team is known for making the lending process transparent and straightforward, with a focus on fast closings and one-on-one guidance for first-time homebuyers, veterans, and homeowners seeking to refinance.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, veterans and active military, homeowners refinancing to lower rates or cash out equity, luxury home buyers seeking jumbo loans
    What sets them apart
    • Offers conventional, FHA, VA, jumbo, and cash-out refinancing options tailored to individual borrower needs and circumstances.
    • Open Monday-Friday 8AM-8PM and weekends 10AM-3PM with a track record of closing loans quickly and minimizing buyer stress.
    • Team specializes in understanding market trends to help homeowners determine the right time to purchase or refinance for maximum savings.
    Mortgage LenderHome PurchaseRefinancingVA LoansFHA Loans
    Phone(813) 966-1888
    Bliss Mortgage LLC
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Tampa, FL
    Serves Tampa, Florida and surrounding areas
    ★★★★★5.0(250 Google reviews)

    Simons & Leoni Home Loans is a Tampa-based mortgage broker offering home purchase loans, refinancing, cash-out refinances, and rate comparisons. Led by President Douglas Leoni and Managing Member Scott Simons, the company specializes in personalized service with a team of experienced loan originators and processors who handle everything from pre-approval to fast funding. They provide free pre-approval letters, refinance analysis tools, and property evaluations to help borrowers understand their options and secure competitive rates.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, homeowners seeking to refinance, buyers looking for competitive rates, borrowers wanting personalized service
    What sets them apart
    • As a mortgage broker, Simons & Leoni shop rates across multiple lenders to find the best options for each client, rather than limiting borrowers to a single institution's offerings.
    • The company emphasizes quick turnaround times, with clients typically closing in less than 30 days, and offers fast funding options to seize opportunities quickly.
    • Clients can select and communicate directly with specific NMLS-licensed loan originators on staff, ensuring personalized guidance throughout the mortgage process.
    Mortgage BrokerHome PurchaseRefinancingTampa LoansFast Funding
    Phone(813) 258-6767
    Simons & Leoni Home Loans
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Tampa, FL
    Serves Tampa, Florida and surrounding areas
    ★★★★★5.0(232 Google reviews)

    Howard Team Home Loans, powered by Lower LLC, is a Tampa-based mortgage brokerage led by Jonathan F. Howard (NMLS #1568511) and his experienced team including Angela, Todd, and Grant. They specialize in home purchase loans, refinancing, cash-out refinances, and rate comparisons, offering fast digital quotes and streamlined online applications with typical funding in under 30 days. The team provides free pre-approval letters, refinance analysis, property evaluations, and personalized rate quotes to help borrowers find the best mortgage terms for their financial goals.

    Best for: Refinancing
    Ideal clients: First-time home buyers, homeowners looking to refinance, borrowers seeking competitive rates, those wanting fast loan approval
    What sets them apart
    • Streamlined online application and approval process with typical funding in less than 30 days, allowing borrowers to move quickly on home opportunities.
    • Free tools to compare mortgage rates and terms across multiple options, helping clients find the best plan for their specific financial situation.
    • Broker team including Jonathan F. Howard (NMLS #1568511), Angela, Todd, and Grant with expertise in home purchases, refinancing, and cash-out options.
    Mortgage BrokerHome LoansRefinancingFast FundingTampa
    Phone(813) 586-0818
    Jonathan F. Howard - Howard Team Home Loans
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Tampa, FL
    Serves Tampa and surrounding Florida areas, plus Georgia, Texas, Colorado, and Kansas
    ★★★★★5.0(231 Google reviews)

    BlueGrey Mortgage is a full-service mortgage lender offering conventional, FHA, VA, and jumbo loans to homebuyers across Florida, Georgia, Texas, Colorado, and Kansas. Based in Tampa, the company specializes in making homeownership accessible through competitive interest rates, low closing costs, and personalized guidance at every step of the process. Known for exceptional customer service and attention to detail, BlueGrey Mortgage serves first-time buyers, refinancing clients, and investment property purchasers with a commitment to honesty, integrity, and expert support throughout the closing process.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time home buyers, refinancing clients, VA loan applicants, investment property buyers
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loans to serve diverse borrower needs and financial situations.
    • Known for securing highly competitive interest rates and low closing costs, with 30-day closing timelines reported by clients.
    • Provides direct access to loan officers who guide clients through the entire process with clear communication and responsive support.
    Mortgage LenderFHA LoansVA LoansFirst-Time BuyersCompetitive Rates
    Phone(813) 822-4808
    BlueGrey Mortgage - Tampa
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Tampa, FL
    Serves Tampa Bay and surrounding Florida areas
    ★★★★★5.0(175 Google reviews)

    Heckman Mortgage Group is a Tampa-based mortgage lender offering personalized financing solutions for homebuyers and refinancing clients. Led by experienced local mortgage professionals, they specialize in helping first-time buyers navigate the lending process while also serving customers seeking to refinance existing mortgages. Their focus on customer service and local expertise makes them a trusted resource for residential mortgage needs in the Tampa Bay area.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, homeowners seeking to refinance, Tampa Bay residents looking for personalized mortgage guidance
    What sets them apart
    • Heckman Mortgage Group is based in Tampa with deep knowledge of the local real estate market and lending landscape, providing personalized service tailored to the Tampa Bay community.
    • The team works with first-time homebuyers and refinancing clients, offering guidance through the entire mortgage process with transparent communication and flexible solutions.
    • Their commitment to customer satisfaction is reflected in their service model, helping clients understand their options and find the right financing solution for their unique situation.
    Mortgage LenderHome FinancingRefinancingFirst-Time BuyersLocal Expertise
    Heckman Mortgage Group, Tampa Mortgage Lender
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Arcadia, FL
    Serves Arcadia, FL and surrounding areas; licensed in Florida, Georgia, Tennessee, South Carolina, and Kentucky
    ★★★★★5.0(160 Google reviews)

    Premier Nationwide Lending, led by Branch Manager Melanie Brown, is a mortgage lending firm specializing in home loans for first-time buyers, refinancing, and homeowners exploring their options. Operating through Lower Mortgage, Melanie provides personalized guidance and creative lending solutions tailored to individual financial situations. Licensed across multiple states (GA, FL, TN, SC, KY), the Arcadia-based lender focuses on making homeownership accessible and straightforward.

    Best for: Refinancing
    Ideal clients: First-time home buyers, homeowners looking to refinance, multi-state borrowers, borrowers seeking personalized mortgage guidance
    What sets them apart
    • Melanie Brown holds mortgage licenses in five states (FL, GA, TN, SC, KY), allowing clients to work with a familiar loan officer across state lines for relocations or multi-property situations.
    • Specializes in creative lending solutions tailored to individual needs, whether for first-time homebuyers, refinancing, or complex financial situations requiring customized approaches.
    Mortgage LendingHome LoansRefinancingFirst-Time BuyersMulti-State Lender
    Phone(863) 491-8888
    Premier Nationwide Lending - Arcadia, FL
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL
    Serves St. Petersburg, Tampa Bay, and surrounding Florida areas
    ★★★★★5.0(157 Google reviews)

    Homeowners Financial Group is a mortgage lender with a St. Petersburg branch staffed by licensed mortgage professionals including Branch Manager Tammy Boldt, Brad Thompson, Gustavo E. Saballos, and John Lee. They provide mortgage financing solutions for homebuyers and refinancing clients throughout the Tampa Bay area. As an equal housing lender, they work to help clients navigate the mortgage process with experienced professionals.

    Best for: First-Time HomebuyersVeteransRefinancing
    Ideal clients: Homebuyers, refinancing homeowners, first-time buyers, borrowers seeking personalized mortgage guidance
    What sets them apart
    • Four licensed mortgage professionals on staff at the St. Petersburg branch, including Branch Manager Tammy Boldt, ready to guide clients through the mortgage process.
    • Part of Homeowners Financial Group USA, LLC (NMLS #93718), a legitimate equal housing lender with a corporate office in Scottsdale, Arizona.
    Mortgage LenderHome LoansRefinancingLicensed ProfessionalsEqual Housing Lender
    Phone(727) 800-7750
    Homeowners Financial Group
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Clearwater, FL
    Serves Clearwater, Tampa Bay, and surrounding Florida communities
    ★★★★★5.0(154 Google reviews)

    Katie Blake is a mortgage loan officer at Guaranteed Rate serving the Tampa Bay area. She specializes in helping clients navigate mortgage pre-approval, refinancing, and loan options including VA, FHA, and jumbo loans. With a 5-star rating from over 150 clients, Katie is known for her responsive communication and personalized guidance through the lending process.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, military service members (VA loan applicants), home refinancers, luxury home buyers (jumbo loans)
    What sets them apart
    • Offers VA loans, FHA loans, jumbo loans, and conventional financing to meet diverse borrower needs.
    • Provides quick pre-approval evaluations to help buyers move forward confidently in competitive markets.
    • Works directly with clients to explain options and answer questions throughout the mortgage process.
    Mortgage LoansVA LoansRefinancingPre-ApprovalFHA Loans
    Phone(727) 264-2075
    Katie Blake at Guaranteed Rate
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL
    Serves St. Petersburg, Tampa Bay, and surrounding Florida areas
    ★★★★★5.0(132 Google reviews)

    Savvy Mortgage Lending, led by mortgage broker Tracie Mayo, specializes in home purchase mortgages, refinancing, and reverse mortgages for borrowers in the Tampa Bay area. Tracie focuses on competitive rates, transparent processes, and responsive communication to simplify what is often an overwhelming experience. She works with first-time buyers, move-up buyers, refinancing homeowners, investment property buyers, and seniors exploring reverse mortgage options.

    Best for: Refinancing
    Ideal clients: First-time home buyers, refinancing homeowners, move-up buyers, investment property purchasers, seniors exploring reverse mortgages
    What sets them apart
    • Tracie emphasizes cutting through red tape and eliminating common mortgage mistakes through professional guidance and transparent communication, with online application options available.
    • Offers purchase mortgages, refinancing, cash-out refinancing, investment property loans, and reverse mortgages for seniors 62+, serving a wide range of borrowing needs.
    • Committed to prompt email and phone responses and keeping clients informed throughout the entire loan process to ensure on-time closing.
    Mortgage BrokerHome LoansRefinancingFirst-Time BuyersCompetitive Rates
    Phone(727) 877-5684
    Savvy Mortgage Lending: Tracie Mayo, Mortgage Broker
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL
    Serves St. Petersburg, Tampa Bay, and surrounding areas
    ★★★★★5.0(128 Google reviews)

    Yoanny Perez Castillo is a mortgage loan originator based in St. Petersburg serving the Tampa Bay area with personalized mortgage financing solutions. With over 128 five-star reviews, Yoanny specializes in helping borrowers navigate the mortgage process and secure competitive loan terms tailored to their financial situation. Whether you're a first-time homebuyer or an experienced investor, Yoanny provides expert guidance and access to multiple lending options to find the right mortgage for your needs.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, Refinancing borrowers, Investment property buyers, Home buyers seeking competitive rates
    What sets them apart
    • Consistently receives excellent feedback from clients, reflecting expertise and personalized attention throughout the mortgage process.
    • Works with borrowers to understand their unique financial situations and match them with appropriate loan programs and competitive rates.
    Mortgage LoansHome FinancingLoan OriginationSt. PetersburgTampa Bay
    Phone(813) 820-6981
    Yoanny Perez Castillo-MORTGAGE LOAN ORIGINATOR
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL
    Serves St. Petersburg, Florida and surrounding areas; serving Florida, Texas, Minnesota, Alabama, Kentucky, and Tennessee
    ★★★★★5.0(126 Google reviews)

    Creative 1st Mortgage is a personalized mortgage lender serving Florida, Texas, Minnesota, Alabama, Kentucky, and Tennessee. Led by experienced loan officers who specialize in complex lending situations, they offer conventional, FHA, USDA, and VA home loans with a focus on helping borrowers who may not qualify through traditional channels. The team provides free purchase loan analysis, fast pre-approval, and refinancing options designed to match each client's unique financial goals and circumstances.

    Best for: First-Time HomebuyersVeteransRefinancing
    Ideal clients: First-time homebuyers, borrowers with complex financial situations, borrowers seeking refinancing, VA loan recipients
    What sets them apart
    • Creative 1st Mortgage helps borrowers with challenging financial histories, including those recovering from bankruptcy, who may struggle to qualify with conventional lenders.
    • Offers conventional, FHA, USDA, and VA loans, including low-to-no down payment programs and flexible refinancing options to match diverse borrower needs.
    • NMLS-licensed and regulated across six states, providing experienced loan officers ready to guide clients through the entire mortgage process from pre-approval to closing.
    Mortgage LendersHome LoansRefinancingVA LoansFHA Loans
    Phone(727) 914-9397
    Creative 1st Mortgage
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL
    Serves St. Petersburg, Florida and surrounding areas
    ★★★★★5.0(115 Google reviews)

    Custom Rate is Florida's premier mortgage brokerage, founded by loan officers and built for borrowers. They specialize in shopping a vast network of lenders to find competitive rates for purchase mortgages, refinancing, home equity lines of credit, construction loans, and commercial financing. With a focus on transparency and personalized service, they operate on minimal profit margins to offer clients the lowest possible rates, plus features like free pre-approval with no credit impact and bilingual support.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time home buyers, homeowners refinancing, borrowers seeking competitive rates, clients needing specialized loan products, Spanish-speaking borrowers
    What sets them apart
    • Access to a vast network of wholesale lenders, not limited to a single lender's products. They actively shop multiple loan options to find the ideal fit for each client's unique situation.
    • Founded by loan officers and designed to prioritize borrower savings. They operate on some of the smallest profit margins in the industry to pass competitive rates directly to clients.
    • Get fully-verified pre-approval with zero impact to your credit score, allowing you to explore your options risk-free before committing.
    Mortgage BrokerRefinancingHome PurchaseCompetitive RatesNo Credit Impact Pre-Approval
    Phone(727) 210-5547
    Custom Rate Mortgage
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Wesley Chapel, FL
    Serves Wesley Chapel, Tampa Bay, and Central Florida
    ★★★★★5.0(111 Google reviews)

    Mikasa Home Loans is a mortgage lender serving the Tampa Bay and Central Florida areas with bilingual expertise in Spanish and English. They specialize in helping borrowers navigate the mortgage process with personalized service and competitive financing options. Known for their responsive customer service and commitment to making homeownership accessible to diverse communities.

    Ideal clients: Spanish-speaking borrowers, first-time homebuyers, Hispanic families, multicultural communities seeking bilingual mortgage support
    What sets them apart
    • Fluent Spanish-speaking loan officers provide personalized mortgage guidance in both English and Spanish, removing language barriers for Hispanic and Latino borrowers.
    • Based in Wesley Chapel with deep roots in the Tampa Bay community, offering convenient in-person consultations and responsive local support throughout the mortgage process.
    • Takes time to understand each borrower's unique financial situation and homeownership goals rather than using a one-size-fits-all approach.
    Mortgage LenderBilingual ServiceHome FinancingPre-ApprovalHablamos Español
    Phone(813) 476-5581
    Mikasa Home Loans - Hablamos Español
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Clearwater, FL
    Serves Clearwater, Tampa Bay, and surrounding Florida regions
    ★★★★★5.0(109 Google reviews)

    McCaughan Home Lending, powered by Lower, LLC, is a mortgage lender serving the Tampa Bay area from their Clearwater branch. They offer comprehensive mortgage solutions including conventional loans, FHA loans, VA loans, and refinancing options for homebuyers at all stages. Their team provides personalized guidance to help clients navigate the lending process and find financing solutions tailored to their specific needs.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, VA loan borrowers, FHA loan applicants, homeowners seeking refinancing
    What sets them apart
    • Offers conventional, FHA, VA, and refinancing options to serve diverse borrower needs and financial situations.
    • On-site lending team at 221 N Belcher Rd provides personalized service and guidance throughout the mortgage process.
    • Backed by a modern lending platform that combines local expertise with streamlined loan processing.
    Mortgage LenderHome LoansRefinancingVA LoansFHA Loans
    Phone(727) 797-0600
    McCaughan Home Lending (Powered by Lower, LLC) - Clearwater Branch
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Clearwater, FL
    Serves Clearwater, Tampa Bay, and surrounding Florida communities
    ★★★★★5.0(103 Google reviews)

    Clearwater Mortgage is an independent mortgage lender serving the Tampa Bay area with personalized financing solutions for home purchases and refinancing. Founded on local expertise, they work directly with borrowers to find the right loan programs and rates, avoiding the impersonal approach of large national lenders. Their team specializes in helping first-time buyers, seasoned homeowners, and those looking to refinance existing mortgages.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, existing homeowners seeking to refinance, military veterans with VA loan eligibility, buyers purchasing luxury homes
    What sets them apart
    • As an independent mortgage company, Clearwater Mortgage offers personalized service and flexibility that national chains cannot match, working directly with borrowers rather than third-party servicers.
    • Based in Clearwater for over two decades, they understand Florida's unique real estate market, property values, and local lending conditions.
    • They offer conventional, FHA, VA, and jumbo loan programs, ensuring borrowers find the right fit for their financial situation.
    Mortgage LenderHome FinancingRefinancingLocal Expert
    Phone(727) 259-2900
    Clearwater Mortgage
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Clearwater, FL
    Serves Clearwater, Tampa Bay area, and surrounding Florida communities
    ★★★★★5.0(100 Google reviews)

    Moneylink Mortgage, Inc. is a mortgage lender serving the Tampa Bay area and beyond from their Clearwater office. They specialize in helping borrowers secure financing for home purchases and refinancing needs, working with clients to find loan solutions that fit their financial situation. With a focus on personalized service and competitive rates, Moneylink Mortgage helps first-time buyers, experienced homeowners, and refinancers navigate the mortgage process.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, Existing homeowners seeking refinancing, Borrowers looking for personalized mortgage service
    What sets them apart
    • Based in Clearwater with direct phone and in-person consultation available, providing personalized mortgage guidance for Florida borrowers.
    • Offers multiple financing options including purchase mortgages and refinancing solutions to serve diverse borrower needs.
    Mortgage LenderHome FinancingRefinancingClearwater
    Phone(727) 210-1440
    Moneylink Mortgage, Inc.
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL
    Serves St. Petersburg, Tampa Bay area, and surrounding communities throughout Florida
    ★★★★★5.0(99 Google reviews)

    Team Stapleton Home Loans LLC is a mortgage brokerage serving the Tampa Bay area with a focus on personalized, relationship-based lending. The team specializes in helping borrowers navigate the mortgage process with transparent guidance and access to multiple loan programs, including conventional, FHA, VA, and jumbo loans. They pride themselves on fast pre-approval timelines and expert support throughout the entire loan process.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, refinancing clients, jumbo loan applicants
    What sets them apart
    • Team Stapleton works with numerous lending partners, allowing them to compare loan options and find competitive rates tailored to each borrower's unique financial situation.
    • The team is known for streamlined pre-approval timelines, getting borrowers approved quickly so they can move forward with confidence in their home search.
    • They specialize in conventional, FHA, VA, and jumbo loans, serving first-time buyers, veterans, and borrowers with complex financial profiles.
    Mortgage BrokerHome LoansFast Pre-ApprovalMultiple LendersPersonalized Service
    Phone(727) 800-2921
    Team Stapleton Home Loans LLC
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    Tampa, FL
    Serves Tampa, FL and surrounding areas
    ★★★★★5.0(95 Google reviews)

    Luis Peguero is a mortgage loan officer with Fairway Independent Mortgage Corporation in Tampa, FL, specializing in helping borrowers navigate the entire home financing process from application to closing. He offers a comprehensive range of loan products including conventional, FHA, VA, USDA, jumbo, adjustable-rate, fixed-rate, construction, renovation, and reverse mortgages, as well as refinancing options. Luis focuses on finding the right loan with competitive rates, terms, and costs tailored to each client's specific financial situation and goals.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, military veterans seeking VA loans, borrowers considering refinancing, individuals needing construction or renovation financing
    What sets them apart
    • Offers conventional, FHA, VA, USDA, jumbo, construction, renovation, and reverse mortgages — ensuring options for first-time buyers, military members, and diverse financial situations.
    • Dedicated to guiding clients through the entire mortgage process with transparent rates, terms, and costs tailored to individual needs.
    • Licensed in Florida, North Carolina, Ohio, South Carolina, and Virginia (NMLS# 1946013), demonstrating established credibility and regulatory compliance.
    Mortgage LoansHome FinancingRefinancingVA LoansFHA Loans
    Phone(813) 841-1797
    Luis Peguero | Fairway Home Mortgage - Loan Officer
    Updated 5/5/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL
    Serves St. Petersburg, Tampa Bay area, and surrounding Florida cities
    ★★★★★5.0(89 Google reviews)

    Doug Wagner is a Mortgage Loan Officer and Branch Manager at CrossCountry Mortgage in St. Petersburg, FL, with over a decade of experience helping more than a thousand families achieve homeownership. He specializes in purchase mortgages and refinancing, offering personalized financing and savings plans tailored to each client's situation. Recognized as a Top Originator by Scotsman Guide and built on referrals, Doug is known for his approachable style, clear guidance, and commitment to simplifying the lending process from application through closing.

    Best for: Refinancing
    Ideal clients: First-time home buyers, move-up buyers, homeowners seeking refinancing, borrowers wanting personalized guidance and fast closings
    What sets them apart
    • Over 10 years as a loan officer with more than 1,000 families guided to homeownership since 2015.
    • Consistently recognized as a Top Originator by Scotsman Guide, demonstrating expertise and excellence in mortgage lending.
    • Builds referral-based business through tailored home financing plans and clear guidance that simplifies the entire lending process.
    Mortgage LoansHome FinancingRefinancingPre-ApprovalFirst-Time Buyers
    Phone(727) 543-2897
    Doug Wagner at CrossCountry Mortgage
    Updated 5/5/26Learn More →
    84
    Lantern
    Score
    Clearwater, FL
    Serves Clearwater, Tampa Bay area, and throughout Florida
    ★★★★★5.0(84 Google reviews)

    Fairway Independent Mortgage is a mortgage lender serving the Tampa Bay area and beyond, offering a full range of home loan products including conventional, FHA, VA, and jumbo loans. As an independent mortgage broker, Fairway provides access to multiple lenders and loan programs, allowing borrowers to compare options and find competitive rates tailored to their financial situation. Their Clearwater office specializes in personalized mortgage guidance for home buyers, refinancers, and investors seeking flexible financing solutions.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, Veterans (VA loan programs), Refinancers, Jumbo loan borrowers, Investment property buyers
    What sets them apart
    • Access to multiple lenders and loan programs means borrowers can compare rates and terms from various sources rather than being limited to a single lender's offerings.
    • Offers conventional, FHA, VA, and jumbo loans, serving first-time buyers, veterans, refinancers, and investment property owners.
    • Established Clearwater office with local market knowledge and personalized service to guide borrowers through the mortgage process.
    Mortgage LenderIndependent BrokerHome LoansRefinancingVA Loans
    Fairway Independent Mortgage
    Updated 5/5/26Learn More →
    84
    Lantern
    Score
    Tampa, FL
    Serves Tampa Bay area, Florida
    ★★★★★5.0(73 Google reviews)

    Home Loan Advisors is a mortgage brokerage serving the Tampa Bay area and beyond, specializing in helping borrowers find the right loan program for their financial situation. They work with multiple lenders to provide competitive rates and personalized service, handling everything from pre-approval to closing. Their team focuses on making the mortgage process transparent and accessible for first-time buyers, refinancing clients, and homebuyers at all stages.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, Homeowners refinancing, Self-employed borrowers, Anyone seeking competitive mortgage rates
    What sets them apart
    • Access to loans from multiple lenders allows them to compare rates and terms to find the best fit for each client's specific needs.
    • Their team provides transparent, one-on-one support throughout the loan process, from initial consultation through closing.
    Mortgage BrokerHome LoansRefinancingPre-Approval
    Phone(724) 510-8447
    Home Loan Advisors
    Updated 5/5/26Learn More →
    84
    Lantern
    Score
    Tampa, FL
    Serves Tampa Bay area and surrounding Florida communities
    ★★★★★5.0(71 Google reviews)

    First Team Lending is a mortgage lender serving the Tampa Bay area and surrounding Florida communities. They provide a range of loan products including conventional, FHA, VA, and jumbo mortgages, with a focus on personalized service and competitive rates. The team specializes in helping first-time homebuyers, refinancing clients, and those seeking fast pre-approval processes.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, VA loan recipients, refinancing customers, jumbo loan applicants
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo mortgage options to serve diverse borrower needs and financial situations.
    • Streamlined underwriting and approval process helps buyers move quickly in competitive real estate markets.
    Mortgage LenderFHA LoansVA LoansRefinancingFast Pre-Approval
    Phone(586) 600-5100
    First Team Lending
    Updated 5/5/26Learn More →
    84
    Lantern
    Score
    Tampa, FL
    Serves Tampa, Florida and surrounding areas throughout Florida
    ★★★★★4.9(1488 Google reviews)

    14 Days To Close is a mortgage lender specializing in fast, streamlined home financing with a commitment to closing loans in 14 days or less. Based in Tampa, they offer conventional, FHA, VA, and jumbo loan programs with transparent pricing and dedicated loan officers who guide borrowers through the entire process. Their focus on speed and customer service has made them a trusted choice for homebuyers and refinancers throughout Florida.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, borrowers seeking fast closings, homeowners looking to refinance
    What sets them apart
    • Specializes in closing mortgage loans in 14 days or less, significantly faster than typical 30-45 day timelines, helping buyers close on their dream homes quickly.
    • Offers conventional, FHA, VA, and jumbo loan options with flexible terms to serve diverse borrower needs and financial situations.
    • Known for straightforward, honest pricing without hidden fees, making it easy for borrowers to understand their mortgage costs upfront.
    Fast ClosingsMortgage LenderFHA & VA LoansRefinancingTransparent Pricing
    Phone(813) 343-4775
    14 Days To Close
    Updated 5/5/26Learn More →
    84
    Lantern
    Score
    Tampa, FL
    Serves Tampa and Central Florida including Orlando, Sarasota, St. Petersburg, Daytona, Winter Haven, and surrounding areas
    ★★★★★5.0(59 Google reviews)

    Birchwood Loans is a direct hard money lender serving Tampa and Central Florida since 1978, specializing in investment loans, purchase financing, refinancing, and debt consolidation for real estate investors and borrowers with credit challenges. With over 35 years of real estate experience and 25+ years lending hard money, they've funded over 300 loans and pride themselves on fast approvals (often within 24 hours), competitive rates (7.9%-12.95% APR), and direct lending without broker fees or appraisal costs. They structure loans around borrower success with personalized service, flexible terms up to 30 years, and support for investors who don't qualify for traditional bank financing.

    Ideal clients: Real estate investors, fix-and-flip developers, self-employed borrowers, those with bad credit or recent foreclosures, investors seeking quick capital access
    What sets them apart
    • Birchwood is a direct hard money lender without third parties, eliminating broker fees and appraisal costs, reducing overall borrowing expenses.
    • Approvals available within 24 hours with funding as soon as paperwork is ready, enabling investors to close quickly on time-sensitive deals.
    • With over 35 years in real estate and 25 years in hard money lending, Birchwood offers investor coaching, industry best practices guidance, and a proven track record of client success.
    Hard Money LenderInvestment LoansBad Credit LoansReal Estate FinancingPrivate Lender
    Phone(727) 300-1793
    Birchwood Hard Money Tampa Fl
    Updated 5/5/26Learn More →
    84
    Lantern
    Score
    Tampa, FL
    Serves Tampa, Florida and surrounding areas; licensed nationwide in 49 states plus Washington DC
    ★★★★★4.9(349 Google reviews)

    Paramount Residential Mortgage Group (PRMG) is a top 15 leading mortgage lender with over two decades in the industry, offering a comprehensive range of loan products including FHA, VA, USDA, conventional, jumbo, and non-conforming loans. Their Tampa branch, managed by Jordan Vreeland, specializes in helping first-time homebuyers, existing homeowners refinancing, and luxury property purchasers navigate the mortgage process with modern lending technology and industry-leading customer service. Licensed in 49 states plus Washington DC and approved by HUD, PRMG provides fast pre-approval, multiple loan options, and personalized guidance for borrowers with various financial situations.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, Veterans and active-duty service members, Luxury home buyers seeking jumbo loans, Homeowners refinancing existing mortgages
    What sets them apart
    • PRMG ranks among the top 15 mortgage lenders in the U.S. with over 20 years of industry experience and an aligned company culture focused on modern lending technology and customer service.
    • Offers FHA, VA, USDA, conventional, jumbo, manufactured home, renovation, and non-qualified loans—providing solutions for first-time buyers, veterans, rural borrowers, and borrowers with unique financial situations.
    • Licensed by HUD, Ginnie Mae approved direct issuer, and Fannie Mae licensed seller/servicer, ensuring access to competitive rates and reliable servicing nationwide.
    FHA LoansVA LoansJumbo MortgagesRefinancingFirst-Time Buyers
    Phone(813) 340-6223
    Prmg
    Updated 5/5/26Learn More →
    This directory of mortgage brokers local businesses serving Tampa Bay Area, is maintained by Lantern. Rankings are determined by the Lantern Score — not advertising or payment for placement. Learn how it works. Last updated April 18, 2026. To claim or update a listing, contact us.