Hyde Park · Channel District · Riverwalk

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Tampa is one of Florida's most dynamic markets — a strong primary-buyer pool, an active investor scene around the urban core, and steady growth in places like Channel District and Westshore. Whether you're moving up in South Tampa, buying your first place near the Riverwalk, or picking up a rental in New Tampa, Nick shops 100+ wholesale lenders to find the right program for your specific deal.

Serving: Hyde Park · SoHo · Channel District · Davis Islands · Westshore · Carrollwood · New Tampa · South Tampa

Tampa, Florida

Common Questions

Tampa Mortgage FAQ

What is the conforming loan limit in Hillsborough County for 2025? +
The 2025 conforming loan limit for Hillsborough County is $806,500 for a single-family home. Loans above this threshold require a jumbo mortgage with different qualification requirements.
Can I get a DSCR loan for a Tampa investment property? +
Yes — Tampa's strong rental market supports DSCR qualification on most investment properties. Lenders analyze the property's gross rental income against the monthly debt payment to determine eligibility.
What is the FHA loan limit in Tampa / Hillsborough County? +
The 2025 FHA loan limit for a single-family home in Hillsborough County is $524,225. FHA loans require as little as 3.5% down with a 580+ credit score.
How competitive is the Tampa mortgage market? +
Very competitive. Inventory is tight across many Tampa submarkets, and pre-approval before making offers is essential. Nick can issue a pre-approval letter quickly once documents are received.
Do you serve buyers in South Tampa, Hyde Park, and Channelside? +
Yes — all of Tampa including South Tampa, Hyde Park, Channelside, Seminole Heights, and the broader Hillsborough County area. Condo-specific programs available for Channelside and downtown buildings.

Programs Available in Tampa

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s required. South Tampa and the USF corridor support strong DSCR ratios.
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Jumbo Loans
Financing above $806,500 for Davis Islands, Hyde Park, Bayshore, and Hillsborough County luxury properties.
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FHA Loans
3.5% down with a 580+ credit score. FHA loan limit in Hillsborough County is $524,225.
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Ready When You Are

Florida's Best Lending Options.
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No obligation to proceed. Real Florida mortgage options from a loan originator who works for you, not a bank. Any credit inquiry will be disclosed before it occurs.

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