Tampa Bay's Local Mortgage Expert
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.
Loan Programs
From VA loans with zero down to investor DSCR loans — if it exists, I can do it. Licensed for all of Florida.
Zero down payment, no PMI, and competitive rates for veterans and active-duty military. Honor your service with the home benefits you've earned.
Get Started →Buying new construction in Pasco, Hillsborough, or Pinellas County? I specialize in new home financing with builder-preferred lender experience.
Get Started →Grow your Florida rental portfolio with DSCR loans, conventional investor financing, and flexible programs designed for real estate investors.
Get Started →Low down payment options starting at 3.5% with flexible credit requirements. Perfect for first-time buyers entering the Tampa market.
Get Started →Competitive rates, flexible terms, and the full range of conforming loan options for qualified buyers across Florida.
Get Started →Lower your rate, tap your equity, or shorten your term. I'll find the refinance program that actually makes sense for your situation.
Get Started →Who I Work With
Every borrower is different. I tailor the process to where you are and where you're going.
I walk you through every step, from pre-qualification to keys in hand. No surprises, no jargon.
You've earned your VA benefits. I specialize in VA loans and ensure you get every advantage available to you.
Scale your Florida portfolio with investor-focused programs. DSCR, conventional, multi-unit — I know the playbook.
Navigating builder contracts and construction timelines is different. I've done it hundreds of times in the Tampa Bay area.
Why Tampa Mortgage Man
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.
Text, call, or email me directly. No bouncing between departments or waiting on hold.
VA, FHA, conventional, DSCR investor, new construction — I'm licensed for everything in Florida.
From Wesley Chapel to St. Pete, I know the neighborhoods, builders, and timelines specific to this market.
You'll always know where your loan stands. No surprises at closing — just clear communication from day one.
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
A simple, transparent process designed to get you to the closing table with zero surprises.
Call or fill out the form. We review your goals and find the best loan for your situation — no credit pull required to start.
Get your pre-qual letter fast. Understand exactly what you can afford before you start shopping for homes.
I handle the paperwork, communicate with the title company, and keep everything moving while you focus on finding your home.
We close your loan and you get the keys. I stay in touch for future refinances or your next investment property.
Service Area
Licensed statewide in Florida with deep local expertise across the entire Tampa Bay region.
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.
Client Reviews
Real stories from real clients across the greater Tampa Bay area.
"As a veteran, I was nervous about the VA loan process. Tampa Mortgage Man made it completely seamless — zero down, no PMI, and we closed in under 30 days. I couldn't believe how smooth it was."
"First-time buyer here — I had no idea where to start. He walked me through every single step, answered every question I had (and I had a lot!), and got me into my home in Land O Lakes. Highly recommend."
"I've closed 4 investment properties in the last 18 months with Tampa Mortgage Man. He knows investor financing inside and out — DSCR loans, portfolio loans, you name it. My go-to for every deal."
"We were buying new construction and the builder's lender was quoting us terrible rates. Tampa Mortgage Man beat their rate by almost half a point and the whole process was transparent from day one."
"Called on a Friday afternoon and had a pre-qual letter by Monday morning. When you're competing in Tampa's market, that speed matters. Professional, responsive, and genuinely cares about getting you the best deal."
"Used an FHA loan as a first-time buyer with less-than-perfect credit. He found a program that worked for my situation and never made me feel judged. Closed on my home in Zephyrhills — still can't believe it."
Find Us
Based in Land O Lakes, licensed across all of Florida. Remote and in-person consultations available.
Reach me directly — no call centers, no hold music.
813-696-1271
Greater Tampa Bay area including Hillsborough, Pasco, Pinellas, and Hernando counties. Licensed statewide in Florida.
Monday – Friday: 8am – 7pm
Saturday: 9am – 4pm
Available by appointment on Sunday
Phone, video, or in-person — I work around your schedule across all of Florida.
Powered By
Tampa Mortgage Man operates as a licensed loan originator sponsored by Hoot Home Loans LLC — a fully digital mortgage company committed to making homeownership simple, streamlined, and stress-free. Hoot's technology platform means faster approvals, lower overhead, and better rates passed directly to you.
Ready to Get Started?
No pressure. No commitment. Just a free, straightforward conversation about your options.