Mortgage Loans in Tampa, FL
Florida Mortgage Specialist — 250+ Lenders, Military-Grade Service.
Tampa Bay is one of Florida's fastest-growing metro areas, attracting buyers from across the country with its combination of waterfront lifestyle, strong job market, and no state income tax. Altitude Mortgage Group brings a 250+ lender network to Tampa buyers, with specialized expertise in FHA-approved condos, VA loans for MacDill AFB families, and reverse mortgages for Florida's growing senior population.
Tampa Mortgage Market — 2026
Current loan limits, market conditions, and what buyers need to know.
Loan Programs for Tampa Buyers
We shop 250+ lenders to find the right program for your situation.
VA Loans
Zero down for MacDill AFB families and all Florida veterans
FHA Loans
FHA-approved condo expertise — navigating Tampa's complex condo market
Conventional
Competitive rates for Tampa's growing mid-range and luxury markets
Reverse Mortgage
HECM specialists for Tampa Bay seniors — manage HOA fees and insurance costs
Frequently Asked Questions — Tampa Mortgages
How long does mortgage pre-approval take in Tampa?
With Altitude Mortgage Group, most pre-approvals are completed within 24–48 hours. We gather your documents upfront and work with 250+ lenders simultaneously to find your best rate and program.
What is the minimum down payment for a home in Tampa?
It depends on the loan type. VA loans require $0 down for eligible veterans. FHA loans require 3.5% down. Conventional loans start at 3% for first-time buyers and 5% for repeat buyers. USDA loans offer 100% financing for eligible rural properties.
Why use a mortgage broker instead of going directly to a bank in Tampa?
A mortgage broker shops your loan across 250+ wholesale lenders simultaneously — banks can only offer their own products. This competition typically results in lower rates, better terms, and more program options than any single bank can provide.
Is Altitude Mortgage Group licensed in Florida?
Yes. Altitude Mortgage Group (NMLS #2249610) is fully licensed to originate mortgage loans in Florida, Colorado, and Nebraska. Daryl Korinek (NMLS #260077) personally handles every file.