📍 Serving all of Florida · Greater Tampa Bay specialist · Call now: 813-696-1271 · NMLS #2639249

Tampa Bay's Local Mortgage Expert

Raymond Rivera Jr., Tampa Mortgage Man

Raymond Rivera Jr.

Licensed Mortgage Loan Originator · NMLS #2639249

Get Approved for Your Home Loan in Tampa, FL

Whether you're buying your first home, using your VA benefits, or building your investment portfolio — I make the mortgage process fast, clear, and personal. Serving all of Florida with a focus on the greater Tampa Bay area.

Call 813-696-1271 Book a Free Consultation →
5★ Google Rating
2+ Years Local
All FL Licensed Statewide
Every Loan Type Available
Free · No Obligation

Talk to Raymond directly

No call centers, no loan committees — just a direct line to the person who closes your loan.

✓ 30-minute call, zero pressure
✓ No credit pull required to start
✓ Every loan type, one point of contact
Book a Free Consultation →

or call 813-696-1271

All Loan Types Available
Licensed in Florida
5-Star Rated on Google
Personal Service, Small Team
Greater Tampa Specialist

At a glance

Tampa Mortgage Man is Raymond Rivera Jr. (NMLS #2639249), a mortgage loan originator based in Land O Lakes, Florida, who originates loans through Mpire Financial Group LLC (NMLS #2108504). He helps buyers across Tampa Bay and all of Florida with VA, FHA, conventional, DSCR investor, new-construction and refinance loans — and you work with him directly, not a call center.

Loan Programs

What Types of Home Loans Do You Offer?

From VA loans with no down payment for eligible borrowers to investor DSCR loans — if it exists, I can do it. Licensed for all of Florida.

Most Popular

VA Home Loans

No down payment for eligible borrowers, no PMI, and competitive rates for veterans and active-duty military. Honor your service with the home benefits you've earned. Stationed near MacDill? See VA home loans near MacDill AFB.

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New Builds

New Home Purchase

Buying new construction in Pasco, Hillsborough, or Pinellas County? I specialize in new home financing with builder-preferred lender experience.

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Investors

Investment & DSCR Loans

Grow your Florida rental portfolio with DSCR loans, conventional investor financing, and flexible programs designed for real estate investors.

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First-Time Buyers

FHA Loans

Low down payment options starting at 3.5% with flexible credit requirements. Perfect for first-time buyers entering the Tampa market.

See FHA Loan Details →
Conventional

Conventional Loans

Competitive rates, flexible terms, and the full range of conforming loan options for qualified buyers across Florida.

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Refinance

Refinance

Lower your rate, tap your equity, or shorten your term. I'll find the refinance program that actually makes sense for your situation.

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Free Tool

What Would My Monthly Payment Be?

Drag the sliders to estimate your monthly payment — no email required, no obligation.

Home Price$350,000
Down Payment10% · $35,000
Interest Rate6.5%
Loan Term

Estimated Monthly Payment

$0

Principal & interest only — taxes, insurance, and PMI not included.

Loan Amount$0
Total Interest Paid$0
Book a Free Consultation → 📋 Get the free document checklists →

See all 6 calculators: DSCR rental, fix & flip, bank statement income and more →

Who I Work With

Which Buyers Do You Work With?

Every borrower is different. I tailor the process to where you are and where you're going.

First-Time Buyers

I walk you through every step, from pre-qualification to keys in hand. No surprises, no jargon.

Veterans & Military

You've earned your VA benefits. I specialize in VA loans and ensure you get every advantage available to you.

Real Estate Investors

Scale your Florida portfolio with investor-focused programs. DSCR, conventional, multi-unit — I know the playbook.

New Construction Buyers

Navigating builder contracts and construction timelines is different. I've done it hundreds of times in the Tampa Bay area.

Why Tampa Mortgage Man

Why Work With a Local Tampa Mortgage Lender?

I'm not a call center. When you work with me, you get a real person who knows the Tampa Bay market and is invested in your outcome.

1

Direct access to your loan officer

Text, call, or email me directly. No bouncing between departments or waiting on hold.

2

Every loan type under one roof

VA, FHA, conventional, DSCR investor, new construction — I'm licensed for everything in Florida.

3

Tampa Bay market expertise

From Wesley Chapel to St. Pete, I know the neighborhoods, builders, and timelines specific to this market.

4

Fast, transparent process

You'll always know where your loan stands. No surprises at closing — just clear communication from day one.

5.0

Average Google Rating

⭐⭐⭐⭐⭐

"Knowledgeable, responsive, and made the whole process smooth from start to finish. Highly recommend for anyone buying in Tampa Bay."

Proudly serving Tampa Bay since 2023

How It Works

What Are the 4 Steps From Application to Closing?

A simple, transparent process designed to get you to the closing table with zero surprises.

1

Free Consultation

Call or fill out the form. We review your goals and find the best loan for your situation — no credit pull required to start.

2

Pre-Qualification

Get your pre-qual letter fast. Understand exactly what you can afford before you start shopping for homes.

3

Loan Processing

I handle the paperwork, communicate with the title company, and keep everything moving while you focus on finding your home.

4

Close & Get Keys

We close your loan and you get the keys. I stay in touch for future refinances or your next investment property.

Service Area

Which Areas of Florida Do You Serve?

Licensed statewide in Florida with deep local expertise across the entire Tampa Bay region.

Tampa Land O Lakes Wesley Chapel Brandon St. Petersburg Clearwater Lutz Riverview Zephyrhills New Port Richey Odessa Sun City Center All of Florida ✓

Not in the Tampa Bay area? No problem — I'm licensed to originate loans anywhere in Florida.

All of
Florida

Licensed statewide with specialized local knowledge of the greater Tampa Bay market — Hillsborough, Pasco, Pinellas, and Hernando counties.

📞 813-696-1271

Nationwide Reach

Which States Do You Lend In?

Based in Tampa Bay, Florida, and licensed to originate loans in 33 states plus Washington, D.C. and Puerto Rico. Wherever your property is, you still work directly with me.

Florida (Home Base) Licensed & Active Not Currently Licensed

Also licensed in Washington, D.C. and Puerto Rico.

Southeast
  • Florida · Home Base
  • Georgia
  • Alabama
  • Mississippi
  • Louisiana
  • Arkansas
  • Tennessee
  • North Carolina
  • South Carolina
  • Virginia
Northeast & Mid-Atlantic
  • Pennsylvania
  • New Jersey
  • Delaware
  • Maryland
  • Connecticut
  • Washington, D.C.
Midwest & Plains
  • Ohio
  • Michigan
  • Indiana
  • Illinois
  • Wisconsin
  • Minnesota
  • Kansas
  • Nebraska
Southwest & West
  • Texas
  • Oklahoma
  • New Mexico
  • Arizona
  • Colorado
  • California
  • Oregon
  • Washington
  • Idaho
  • Montana
Puerto Rico
  • Puerto Rico

Not sure if I can help with your property? Call or text and I'll confirm.

📞 813-696-1271 Book a Free Consultation →

Licensing as of October 2026. Verify anytime on NMLS Consumer Access: Raymond Rivera Jr. #2639249 · Mpire Financial Group LLC #2108504

Client Reviews

What Do Tampa Bay Homebuyers Say About Raymond?

Real reviews from Google — click any card to read it on Google.

See all reviews on Google →

Find Us

How Can I Reach Raymond?

Based in Land O Lakes, licensed across all of Florida. Remote and in-person consultations available.

Call or Text

Reach me directly — no call centers, no hold music.
813-696-1271

Office Address

Land O Lakes, FL 34638

Service Area

Greater Tampa Bay area including Hillsborough, Pasco, Pinellas, and Hernando counties. Licensed statewide in Florida.

Hours

Monday – Friday: 8am – 7pm
Saturday: 9am – 4pm
Available by appointment on Sunday

Remote Consultations

Phone, video, or in-person — I work around your schedule across all of Florida.

Book a Free Consultation →
🏛️
Mpire Financial
Group
NMLS #2108504

My Mortgage Company

Originating Loans Through Mpire Financial Group

Raymond Rivera Jr. (NMLS #2639249) is a mortgage loan originator with Mpire Financial Group LLC (NMLS #2108504), a mortgage company based in Orlando, Florida. You work directly with Raymond from your first question through closing.

✓ NMLS #2108504
✓ Licensed in Florida
Verify on NMLS Consumer Access → Visit mpirefinancialgroup.com →
⌂
Equal Housing Opportunity Mpire Financial Group LLC · NMLS #2108504 · 189 S. Orange Ave, Orlando, FL 32801 · 407-287-6550 · All loans subject to credit approval. Terms and conditions apply.

Ready to Get Started?

Let's Get You Pre-Qualified Today

No pressure. No commitment. Just a free, straightforward conversation about your options.

📞 813-696-1271 Book a Free Consultation →