Of the 34 mortgage brokers in Tampa, FL that publish their loan programs, 27 (79%) offer conventional loans, 23 (68%) offer FHA loans and 23 (68%) offer VA loans.

Conventional loans27 of 34 (79%)

FHA loans23 of 34 (68%)

VA loans23 of 34 (68%)

USDA loans16 of 34 (47%)

First-time buyer programs16 of 34 (47%)

Jumbo loans13 of 34 (38%)

Renovation and 203(k) loans11 of 34 (32%)

Non-QM loans7 of 34 (21%)

Reverse mortgages7 of 34 (21%)

Construction loans6 of 34 (18%)

Bank statement loans5 of 34 (15%)

DSCR (investor) loans5 of 34 (15%)

8
advertise 3.5% down or less, including 5 with a 0% down option (typically VA or USDA)
500
lowest advertised minimum credit score; 6 lenders accept 580 or lower
18 / 5
licensed in one state only / licensed nationwide (of 33 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 34 of 90 listed mortgage brokers that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

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Why Choose Local Mortgage Brokers in Tampa?

Local Market Expertise

Tampa mortgage brokers have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Florida. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage brokers means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage brokers often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Tampa market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage broker in Tampa?

Shortlist at least three mortgage brokers in Tampa, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Florida, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage broker?

Ask about their experience in the Tampa market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are Tampa mortgage brokers better than online lenders?

Local mortgage brokers offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

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