• 5401 W. Kennedy Blvd, Suite 100, Tampa, FL 33609

Mortgage Process That Meets Your Needs

Get a fast approval & start your home buying journey today in Zephyrhills!

  • Competitive Interest Rates
  • Multiple Loan Programs
  • Satisfaction Guaranteed
  • 100% Secure

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.

Refinance or Apply for Mortgage Online

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.

  • Online Application Complete your application via phone, in person meeting, or online. We offer an online application process that is both quick and secure. Find out your personalized rate in no time with our online loan application.
  • Checking Your Application Once application has been completed we will pull your credit and ask you to upload the documents required to obtain a loan into our secure portal. Once received, one of our loan officer will review and start putting a financing plan together for you.
  • Get Your Loan Once the loan officer has done all the due diligence with lenders and rates, they will reach out to set up an appointment to go over your options.

What do I need to succeed at getting approved?

  • Maintain good credit
  • Maintain a good work history
  • Return documents in a timely matter
  • Find a mortgage lender to trust
Refinance or Apply for Mortgage Online

What Our Clients Say

Jeff Firmin
Jeff Firmin
Ernesto and his team went above and beyond in helping us purchase our home in Epperson Ranch! Highly recommend!!
robyn wrobel
robyn wrobel
What 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 True
charles True
Ernesto 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 True
Tonya True
I received the best rate ever! Best company to work with for home mortgages.
Sunny Moroz
Sunny Moroz
Ernesto and Lisa have always been helpful and looked out for my interest regardless of the outcome, truly good customer service!

What You’ll Get With A Mortgage Loan

  • Mortgage loans may have no restrictions on how you use the money
  • Mortgage loans are easily approved since they are secured loans
  • You get flexible repayment terms
  • The interest you pay on a mortgage loan is much lower than that of a personal loan
  • A mortgage loan can be customized to suit your requirements
  • You continue to remain the legal owner of your property while you use the funds from the loan to fulfil your needs.

#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

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.


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

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. 

Still have questions about loans?

Need help deciding what loan fits your needs?

Speak To A Loan Expert

8:00am - 6:00pm, Monday - Friday

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