Mortgage Process That Meets Your Needs
Get a fast approval & start your home buying journey today in Ruskin!
When do you plan to make a home purchase?
We help you obtain financing for one of the biggest moments in your life.
Talk With Loan Expert
Get the one on one guidance you need with a dedicated loan expert that will be with you by every step.
Start My Approval
Before house hunting, you need an approval letter. Apply for one online for free.
I'm just researching
Learn how the home buying process works with our Mortgage Tools and Resources page.
How it works?
Purchasing a home is a huge deal so we pride ourselves on being your partner on the path to a new home.
What Our Clients Say
Jeff Firmin2022-06-07Ernesto and his team went above and beyond in helping us purchase our home in Epperson Ranch! Highly recommend!!
robyn wrobel2022-04-27What a smooth process Ernesto made for me during my purchase of my home. I would definitely have him help me with my next purchase. He is attentive and prompt… definite pleasure to work with.
charles True2022-03-31Ernesto and his team are top notch. It was a smooth process from start to finish and as a first time home buyer they did a great job and helped me make smart and confident purchasing decisions. Thanks for everything!
Tonya True2022-03-29I received the best rate ever! Best company to work with for home mortgages.
Sunny Moroz2022-03-29Ernesto and Lisa have always been helpful and looked out for my interest regardless of the outcome, truly good customer service!
#1 in Tampa Bay Area for Customer Satisfaction in Mortgage & Refinance
Mortgage Calculator
Use our mortgage calculator and get an idea of what your monthly payment could look like. Enter different home prices and down payment amounts to see how your monthly payment changes. Visit our learning hub to today to gain more mortgage knowledge.
Top Questions People Ask Us
How long will it take to close my loan?
Every situation and every loan is different, so closing times are variable. On average, the closing process usually takes our Experts around 30 days—that’s way faster than the 53-day*[1] industry average.
Does closing happen online or in-person?
For a fully online closing, you can expect to meet remotely using a video conferencing app like Skype, Zoom, Google Meet, etc. Any payments that must be processed for closing will likely be done via electronic transfer and mortgage documents will have to be signed electronically.
What is the minimum down payment I need?
The Home Loan Expert offers several low down payment options.
For conventional loans, we offer options with down payments as low as 3%
For FHA loans, we offer options with down payments as low as 3.5%
And for Hero Loan (VA loans), USDA loans, and our down payment assistance programs, we offer options with zero down (0%) payments for eligible borrowers
Will I need a credit check?
You can get approved with a credit score as low as 589, as long as you meet our other eligibility criteria.
Soft pull credit checks will not affect your score, however a hard pull will be needed to process the loan.
