Best Mortgage Lenders in Tampa: Top Choices for Homebuyers

Tampa’s real estate market is booming, with its vibrant culture, growing job market, and desirable waterfront properties. But navigating the mortgage landscape can be tricky.

This guide will help you find the best mortgage lenders in Tampa, tailored to your unique needs as a homebuyer in this exciting city. We’ll cover everything from understanding the different types of mortgage lenders to exploring the benefits of working with a mortgage broker to access wholesale lenders.

Key Takeaways

• Diverse Lender Landscape: Tampa homebuyers can choose from a variety of mortgage lenders, including national banks, local credit unions, online lenders, and mortgage brokers with access to wholesale lenders.
• Unique Market Dynamics: Tampa’s rapid growth, hurricane risk, and diverse housing market necessitate careful consideration of loan options and lender expertise.
• Benefits of Brokers: Mortgage brokers offer access to a wider range of lenders, expert guidance, and the potential for more competitive rates and terms.
• Wholesale Lender Advantages: Wholesale lenders, accessible through mortgage brokers, often provide more competitive rates, flexible underwriting, and specialized loan programs.
• Informed Decision-Making: Thorough research, comparison of loan offers, and consideration of individual needs are essential for choosing the right lender.
• Tampa-Specific Factors: Hurricane preparedness, flood insurance, and understanding the local market are crucial factors for Tampa homebuyers.
• Customer-Centric Approach: Prioritize lenders with excellent customer service, clear communication, and a personalized approach to mortgage lending.

What is a Mortgage Lender?

A mortgage lender plays a pivotal role in buying a home. Essentially, a mortgage lender is a financial institution or entity that provides funds to individuals seeking to purchase a home. These funds are provided in the form of a mortgage loan, which is a secured loan using the property itself as collateral. Understanding the different types of mortgage lenders is a crucial first step for prospective homebuyers in Tampa, Florida.

Types of Mortgage Lenders

Mortgage lenders can be broadly categorized into two primary categories: retail lenders and wholesale lenders.

Important: When selecting a mortgage lender, whether retail or wholesale, it’s crucial to consider factors such as interest rates, fees, loan terms, customer service, and the lender’s experience in handling the unique needs of Tampa homebuyers.

Retail Lenders

Retail lenders work directly with borrowers, guiding them through the mortgage origination process and providing loan options from their own portfolio of products. Common types of retail lenders include:

• Banks: These institutions offer a wide range of financial products and services, including checking and savings accounts, loans, and mortgages. Examples include national banks like Wells Fargo, Chase, and Bank of America and regional banks with a strong presence in Tampa.
• Credit Unions: Member-owned, not-for-profit financial cooperatives, credit unions often provide competitive interest rates and personalized service to their members. In Tampa, prominent credit unions such as Suncoast Credit Union and GTE Financial are popular mortgage choices.
• Online Lenders: These lenders operate primarily online, offering convenience and potentially faster loan processing times. Well-known online lenders include Rocket Mortgage and LoanDepot, which have streamlined digital platforms for mortgage applications and approvals.
• Mortgage Companies: These companies specialize exclusively in mortgage lending, often focusing on specific loan types or borrower segments. Examples include Freedom Mortgage and Guild Mortgage.

Wholesale Lenders

Unlike retail lenders, wholesale lenders do not directly interact with borrowers. Instead, they work through mortgage brokers, who act as intermediaries between the borrower and the lender.

• Access Wholesale Lenders Through Mortgage Brokers: Wholesale lenders offer their loan products exclusively through a network of mortgage brokers. This means borrowers cannot directly obtain a mortgage from a wholesale lender.
• Potential Advantages: Wholesale lenders often provide more competitive interest rates and may have greater flexibility in their underwriting guidelines compared to retail lenders. This can be particularly advantageous for borrowers with unique circumstances or those seeking specialized loan programs.

Understanding the distinction between retail and wholesale lenders is particularly important in a dynamic market like Tampa, where factors such as rapid growth, hurricane risk, and a diverse housing market influence the types of mortgage products that may be most suitable for individual borrowers.

Unique Tampa Attributes to Consider When Choosing a Lender

While the fundamental principles of mortgage lending apply across the United States, certain factors specific to Tampa, Florida, warrant careful consideration when choosing a mortgage lender and loan product. Understanding these unique attributes can help homebuyers make informed decisions and secure a mortgage that aligns with their individual needs and circumstances.

Rapid Growth and Competitive Market

Tampa Bay is experiencing a period of significant population growth and economic expansion. This influx of new residents creates high demand for housing, which can lead to competitive pricing and a fast-paced real estate market.

• Impact on Mortgages:
  • Property Values: Rapid appreciation of property values may influence loan-to-value ratios and down payment requirements.
  • Interest Rates: Market dynamics can affect interest rate fluctuations, requiring borrowers to stay informed and act decisively.
  • Loan Availability: High demand may lead to increased competition for mortgage products, emphasizing the importance of securing pre-approval and working with a responsive lender.

Hurricane Risk and Insurance Considerations

Tampa’s location on the Gulf Coast makes it susceptible to hurricanes and tropical storms. This inherent risk necessitates specialized insurance requirements and loan considerations that may not be as prevalent in other parts of the United States.

• Flood Insurance: Properties located in flood zones will require flood insurance, adding to the overall cost of homeownership. Lenders will factor flood insurance premiums into affordability calculations.
• Windstorm Insurance: Adequate windstorm insurance is crucial to protect against hurricane damage. Lenders may have specific requirements for windstorm coverage.
• Construction and Location: Properties built to withstand hurricane-force winds and located in less vulnerable areas may be viewed more favorably by lenders.

Diverse Housing Market and Loan Options

Tampa Bay boasts a diverse housing market, ranging from affordable condominiums and townhouses to luxury waterfront estates. This variety necessitates a broad range of loan options to cater to different borrower needs and property types.

• Condominium Financing: Securing financing for condominiums can involve specific requirements related to owner-occupancy ratios and financial reserves within the condominium association.
• Jumbo Loans: High-value properties may require jumbo loans, which exceed conforming loan limits set by Fannie Mae and Freddie Mac.
• Government-Backed Loans: FHA, VA, and USDA loans offer affordable options for first-time homebuyers, veterans, and those in designated rural areas.

By recognizing these unique attributes of the Tampa real estate market, homebuyers can proactively address potential challenges and select a mortgage lender with the expertise and loan products to navigate these specific considerations.

Top Tampa Retail Mortgage Lenders

Navigating the mortgage landscape in Tampa requires careful consideration of various factors, including the unique attributes of the local real estate market. Selecting the right retail mortgage lender can significantly impact your homebuying journey. This section examines some of the top retail mortgage lenders in Tampa, highlighting their specialties, strengths, and potential considerations.

Large National Banks

National banks offer a wide range of financial products and services, including mortgages. Their established presence and extensive resources can provide stability and convenience for borrowers.

• Wells Fargo:
  • Specialties: Wells Fargo offers a comprehensive suite of mortgage products, including conventional loans, jumbo loans, FHA loans, VA loans, and refinancing options. They have a strong local presence in Tampa, with numerous branches and ATMs, providing convenient access for borrowers.
  • Pros: As one of the largest banks in the United States, Wells Fargo has significant resources and a long track record in the mortgage industry. They offer competitive interest rates and a variety of loan programs to meet diverse borrower needs.
  • Cons: Being a large institution, Wells Fargo may have more stringent qualification requirements and potentially higher fees compared to some other lenders. Borrowers should carefully review the terms and conditions of their loan agreements.
• Chase:
  • Specialties: Chase provides a range of mortgage products, including options for first-time homebuyers, those seeking conventional loans, and those interested in refinancing. They also offer online resources and tools to help borrowers understand the mortgage process.
  • Pros: Chase has a large network of branches and ATMs throughout Tampa Bay, offering convenience and accessibility for borrowers. Their online banking platform provides easy account management and loan tracking.
  • Cons: While Chase offers competitive rates, they may not always be the most aggressive in the market. Customer service experiences can vary depending on the specific branch and loan officer.
• Bank of America:
  • Specialties: Bank of America offers a diverse portfolio of mortgage products, including options for those with less-than-perfect credit or those seeking specialized loan programs. They have a strong focus on digital banking and online resources.
  • Pros: Bank of America has a large network of branches in Tampa, providing convenient access for borrowers. They offer a variety of financial products and services, making it easy to consolidate finances.
  • Cons: Bank of America may have higher closing costs compared to some other lenders. Customer service can be a challenge due to the bank’s large size and volume of customers.

Strong Online Lenders

Online lenders have gained popularity in recent years, offering convenience, speed, and competitive rates to borrowers who prefer a digital mortgage experience.

• Rocket Mortgage:
  • Specialties: Rocket Mortgage is known for its user-friendly online platform, fast closing times, and wide range of loan products. They have invested heavily in technology to streamline the mortgage process.
  • Pros: Rocket Mortgage offers a highly efficient and convenient online application process. Their technology allows borrowers to upload documents, track their loan progress, and communicate with loan officers seamlessly.
  • Cons: While Rocket Mortgage offers competitive rates, they may not always be the lowest in the market. Some borrowers may prefer more personalized service and face-to-face interactions with loan officers.
• LoanDepot:
  • Specialties: LoanDepot provides a variety of loan options, including conventional loans, FHA loans, VA loans, and refinancing. They have a strong online presence and offer a streamlined application process.
  • Pros: LoanDepot is known for its fast closing times and competitive rates. They offer a variety of online resources and tools to help borrowers understand the mortgage process.
  • Cons: Customer reviews for LoanDepot can be mixed, with some borrowers reporting challenges with customer service or communication. It’s essential to research and compare their offerings carefully.
• Guaranteed Rate:
  • Specialties: Guaranteed Rate focuses on providing competitive rates and excellent customer service. They have a strong online platform and offer a variety of loan programs to meet diverse borrower needs.
  • Pros: Guaranteed Rate has a reputation for providing competitive rates and a positive customer experience. They offer a variety of online resources and tools to help borrowers make informed decisions.
  • Cons: Guaranteed Rate may have higher fees than some other lenders. Borrowers should compare fees and closing costs carefully before making a decision.

Other Notable Lenders

In addition to the large banks and online lenders, several other notable retail mortgage lenders in Tampa cater to specific borrower needs or offer unique advantages.

• Freedom Mortgage:
  • Specialties: Freedom Mortgage specializes in government-backed loans, including FHA loans and VA loans. They have extensive experience with these programs and offer competitive rates to eligible borrowers.
  • Pros: Freedom Mortgage can be a good option for veterans, active-duty military personnel, and those seeking FHA loans. They have a strong track record with these loan programs and understand the specific requirements and qualifications.
  • Cons: While Freedom Mortgage excels in government-backed loans, their options for conventional loans may be more limited. Borrowers seeking conventional financing may need to consider other lenders.
• U.S. Bank:
  • Specialties: U.S. Bank offers a range of mortgage options, including conventional loans, FHA loans, VA loans, and refinancing. They have a strong digital presence and a good reputation for customer service.
  • Pros: U.S. Bank provides a good balance of online convenience and personalized service. They have a strong reputation for customer satisfaction and offer competitive rates.
  • Cons: U.S. Bank may have limited branch availability in some areas of Tampa. Borrowers who prefer face-to-face interactions may need to consider lenders with a more extensive branch network.
• Fairway Independent Mortgage:
  • Specialties: Fairway Independent Mortgage is known for its personalized service and a wide range of loan products. They have knowledgeable loan officers who provide guidance and support throughout the mortgage process.
  • Pros: Fairway Independent Mortgage prioritizes customer satisfaction and offers a personalized approach to mortgage lending. Their loan officers are known for their expertise and responsiveness.
  • Cons: Fairway Independent Mortgage may not have the same online resources and technology as some larger banks or online lenders. Borrowers who prefer a fully digital experience may need to consider other options.

Mortgage Brokers: Expanding Your Options

While retail lenders provide direct access to mortgage products, engaging the services of a mortgage broker can significantly expand your options and potentially enhance your homebuying experience. In a dynamic market like Tampa, where loan requirements and product availability can vary significantly, understanding the role of mortgage brokers is essential.

What is a Mortgage Broker?

A mortgage broker acts as an intermediary between borrowers and a wide network of lenders. Instead of being limited to the products offered by a single bank or lending institution, a broker can shop your loan application to multiple lenders, increasing the likelihood of finding the most suitable mortgage for your individual needs and financial circumstances.

Benefits of Using a Mortgage Broker in Tampa

• Access to a Wider Range of Lenders: Using a Tampa mortgage broker has established relationships with numerous lenders, including retail and wholesale lenders. This access expands your options beyond what you might find when approaching lenders directly.
• Expertise and Guidance: Experienced mortgage brokers possess in-depth knowledge of the mortgage industry and can provide valuable guidance throughout the loan process. They can help you understand different loan programs, assess your financial situation, and navigate the complexities of securing a mortgage in Tampa’s unique market.
• Negotiating Power: Brokers often have strong negotiating power with lenders, leveraging their volume of business to secure competitive interest rates and favorable loan terms for their clients. This can be particularly advantageous in a competitive market like Tampa.
• Saving Time and Effort: Searching for the best mortgage can be time-consuming and overwhelming. A mortgage broker can streamline the process by gathering your financial information, comparing loan options from multiple lenders, and presenting you with the most suitable choices.
• Specialized Knowledge of the Tampa Market: Local mortgage brokers in Tampa possess valuable insights into the specific challenges and opportunities of the local real estate market. They can advise on factors such as flood insurance requirements, windstorm coverage, and loan programs best suited for Tampa’s diverse housing market.

Wholesale Lenders: Accessing Exclusive Options

One of the significant advantages of working with a mortgage broker is gaining access to wholesale lenders. These lenders operate exclusively through brokers and often offer more competitive rates, flexible underwriting guidelines, and specialized loan programs not available to the general public.

By leveraging a mortgage broker’s expertise and accessing wholesale lenders’ exclusive offerings, homebuyers in Tampa can significantly expand their financing options and potentially secure a mortgage that best suits their individual needs and the unique characteristics of the Tampa Bay real estate market.

Wholesale Mortgage Lenders: Benefits and More

Wholesale lenders offer a unique avenue for securing financing, particularly for borrowers seeking competitive rates, flexible terms, or specialized loan products. However, unlike retail lenders who work directly with the public, wholesale lenders operate exclusively through a network of mortgage brokers.

Understanding the dynamics of wholesale lending is crucial for Tampa homebuyers seeking to explore the full spectrum of mortgage options.

What is a Wholesale Lender?

A wholesale lender is a financial institution that originates and funds mortgages but does not directly interact with borrowers. Instead, they partner with mortgage brokers who act as intermediaries, connecting borrowers with the lender’s loan products. This indirect lending model offers several potential advantages for borrowers.

Benefits of Wholesale Lenders

• Competitive Rates and Terms: Wholesale lenders often offer more competitive interest rates and loan terms than retail lenders. They avoid the overhead costs of maintaining branch networks and marketing directly to consumers. These savings can be passed on to borrowers through lower rates or reduced fees.
• Flexible Underwriting Guidelines: Wholesale lenders may have more flexible underwriting guidelines than retail lenders. This can particularly benefit self-employed borrowers, those with less-than-perfect credit, or those seeking non-traditional loan products.
• Specialized Loan Programs: Wholesale lenders often specialize in niche loan programs that may not be readily available from retail lenders. This can include options such as jumbo loans, non-QM loans (loans that don’t meet qualified mortgage standards), and programs for borrowers with unique circumstances.
• Access to a Wider Range of Products: By working with multiple wholesale lenders, mortgage brokers can access a diverse array of loan products, increasing the likelihood of finding the perfect fit for your individual needs.

Why Access Using a Mortgage Broker Matters

Wholesale lenders rely on mortgage brokers to originate and process loans. This relationship benefits borrowers in several ways:

• Expert Guidance: Mortgage brokers possess in-depth knowledge of the mortgage industry and can provide valuable guidance throughout the loan process. They can help you understand the complexities of wholesale lending, compare loan options from different lenders, and navigate the unique challenges of the Tampa real estate market.
• Negotiating Power: Brokers often have strong negotiating power with wholesale lenders, leveraging their volume of business to secure favorable rates and terms for their clients. This can be particularly advantageous in a competitive market like Tampa.
• Streamlined Process: Working with a broker can streamline the mortgage process, as they handle much of the paperwork, communication with lenders, and loan processing tasks. This can save borrowers time and reduce stress.

Wholesale Lenders Serving the Tampa Market

Numerous wholesale lenders operate in the Tampa Bay area, each with its own specialties and loan product offerings. Some of the prominent wholesale lenders accessible through brokers in Tampa include:

• United Wholesale Mortgage (UWM): As the largest wholesale lender in the United States, UWM offers a wide range of loan products, competitive rates, and a technology-driven approach to lending.
• PennyMac: PennyMac is a large wholesale lender known for its efficient loan processing and focus on technology. They offer a variety of loan products, including conventional loans, FHA loans, and VA loans.
• Homebridge Financial Services: Homebridge is known for its strong relationships with brokers and competitive rates. They offer a variety of loan programs, including conventional loans, FHA loans, VA loans, and jumbo loans.

Considerations for Tampa Homebuyers and Wholesale Lending

Working with a knowledgeable mortgage broker who understands the local market is essential when considering wholesale lenders in Tampa. Factors such as hurricane risk, flood insurance requirements, and the specific needs of Tampa’s diverse housing market should be considered.

By leveraging a mortgage broker’s expertise and accessing wholesale lenders’ competitive offerings, Tampa homebuyers can expand their financing options and potentially secure a mortgage that aligns with their circumstances and financial goals.

Tips for Choosing the Right Lender in Tampa

Selecting a mortgage lender is a crucial step in homebuying, and the decision should not be taken lightly. With many lenders operating in the Tampa Bay area, each offering various loan products and terms, it’s essential to approach the selection process with a well-defined strategy. This section provides valuable tips for Tampa homebuyers to choose the right lender for their unique needs and financial circumstances.

1. Shop Around and Compare Offers

Don’t settle for the first lender you encounter. Take the time to shop around and compare offers from multiple lenders, including banks, credit unions, online lenders, and mortgage brokers. This comparative approach allows you to assess interest rates, fees, loan terms, and lender reputation before making an informed decision.

• Obtain Loan Estimates: Request Loan Estimates from several lenders to compare key loan features and costs. This standardized form provides a clear breakdown of interest rates, closing costs, and other loan terms, making it easier to evaluate different offers.
• Consider Retail and Wholesale Lenders: Explore options from retail lenders (who work directly with borrowers) and wholesale lenders (who offer loans through mortgage brokers). Wholesale lenders often provide more competitive rates and flexible terms.
• Don’t Focus Solely on Interest Rates: While interest rates are important, consider the overall cost of the loan, including closing costs, fees, and any potential penalties. A lower interest rate may not always be the best deal if it comes with higher fees or unfavorable terms.

2. Assess Your Individual Needs and Financial Situation

Before approaching lenders, take the time to assess your individual needs and financial situation. This self-assessment will help you identify the type of mortgage that best aligns with your goals and circumstances.

• Determine Your Loan Purpose: Are you purchasing a new home, refinancing an existing mortgage, or seeking a loan for a specific purpose like home renovation or investment property?
• Evaluate Your Creditworthiness: Obtain a copy of your credit report and review your credit score. Understanding your creditworthiness will help you determine the types of loans you qualify for and the interest rates you can expect.
• Calculate Your Affordability: Determine how much you can comfortably afford to spend on a mortgage payment each month. Consider your income, expenses, and long-term financial goals.

3. Seek Recommendations and Read Online Reviews

Tap into your network and seek recommendations from friends, family, or real estate professionals who have recently purchased homes in Tampa. Their firsthand experiences can provide valuable insights into different lenders’ reputations and customer service.

• Online Reviews: Read online reviews and testimonials from previous borrowers to understand lenders’ strengths and weaknesses. Websites like Google and Yelp can provide valuable information.
• Social Media Groups: Engage in local social media groups or online forums to gather recommendations and insights from Tampa residents with experience with various lenders.

4. Get Pre-Approved for a Mortgage

Before seriously searching for a home, obtain a mortgage pre-approval from one or more lenders. This pre-approval demonstrates to sellers that you are a serious buyer with the financial capacity to purchase the property.

A mortgage pre-approval:

• Strengthens Your Offer: In a competitive market like Tampa, a pre-approval letter can give you a significant advantage over other buyers who may not have taken this step.
• Sets Realistic Expectations: A pre-approval helps you understand the loan amount you qualify for, allowing you to set realistic expectations for your home search and avoid wasting time on properties outside your budget.

5. Factor in Customer Service and Communication Style

The mortgage process can be complex and time-consuming. Choosing a lender with excellent customer service and a communication style that aligns with your preferences can significantly enhance your experience.

• Responsiveness and Accessibility: Consider how responsive the lender is to your inquiries and how accessible they are for questions or concerns. Do they offer various communication channels like phone, email, and online chat?
• Transparency and Clarity: Ensure the lender clearly explains the loan terms, fees, and closing process. Avoid lenders who use jargon or pressure you into making quick decisions without fully understanding the details.
• Personalized Service: If you value personalized guidance and support throughout the mortgage process, seek a lender with a dedicated loan officer or a team of professionals to assist you.

By following these tips and considering the unique needs of the Tampa market, homebuyers can confidently navigate the lender selection process and secure a mortgage that sets them up for success in their homeownership journey.

FAQs

What is the difference between a retail lender and a wholesale lender?

Understanding the distinction between retail and wholesale lenders is crucial for borrowers seeking to secure the most suitable financing options. While both types of lenders ultimately provide funds for home purchases, their operational models and borrower interactions differ significantly.

Retail lenders, such as banks, credit unions, and online mortgage companies, work directly with borrowers, guiding them through the loan origination process, from application to closing. They offer a range of mortgage products from their portfolio and manage all aspects of the loan servicing.

In contrast, wholesale lenders operate primarily behind the scenes, funding mortgages through a network of mortgage brokers. Borrowers cannot directly obtain a loan from a wholesale lender; instead, they must work with a broker who acts as an intermediary, accessing the lender’s loan products and facilitating the loan process on the borrower’s behalf. Wholesale lenders often offer more competitive rates and flexible terms due to lower overhead costs, but they lack the direct borrower interaction characteristic of retail lenders.

What are the benefits of using a mortgage broker in Tampa?

Engaging the services of a mortgage broker in Tampa can offer several distinct advantages for homebuyers navigating the complexities of the mortgage market.

Firstly, brokers provide access to a broader range of lenders and loan products, including retail and wholesale lenders. This expanded network increases the likelihood of finding a mortgage that aligns precisely with your needs and financial circumstances, potentially securing more competitive interest rates and favorable terms.

Secondly, experienced mortgage brokers possess in-depth knowledge of the mortgage industry and the unique characteristics of the Tampa real estate market. They offer valuable guidance throughout the loan process, assisting with loan applications, navigating underwriting requirements, and understanding the intricacies of flood insurance, windstorm coverage, and other factors relevant to Tampa homebuyers. Mortgage brokers can also leverage their industry relationships and negotiating power to advocate for their clients, potentially securing better loan terms and streamlining the mortgage process.

What are the unique mortgage considerations for homebuyers in Tampa?

Tampa’s unique characteristics present specific considerations for homebuyers seeking a mortgage.

Firstly, the city’s location on Florida’s Gulf Coast makes it susceptible to hurricanes and tropical storms. This necessitates careful evaluation of flood insurance requirements, windstorm coverage, and property location within designated flood zones. Lenders may have specific property construction and location guidelines to mitigate hurricane risk.

Secondly, Tampa’s real estate market is experiencing rapid growth and high demand, leading to competitive pricing and a fast-paced environment. Homebuyers should be prepared for potentially higher property values and interest rate fluctuations. Securing pre-approval from a lender and working with a responsive real estate professional is crucial in navigating this dynamic market.

Lastly, Tampa boasts a diverse housing market, ranging from affordable condominiums to luxury waterfront properties. This necessitates a broad understanding of various loan options, including jumbo loans for high-value properties, FHA/VA loans for first-time homebuyers and veterans, and specialized condominium financing.

Conclusion

Finding the best mortgage lender in Tampa is crucial for a smooth and successful homebuying experience. By understanding your needs, researching your options, and potentially utilizing the expertise of a mortgage broker to access wholesale lenders, you can secure a loan that sets you up for success in the Tampa Bay area.

Important: Always verify the licensing and reputation of any lender or broker you consider. Interest rates and loan programs are subject to change, so stay updated on current market conditions.

Marimark Mortgage

Marimark Mortgage is based in Tampa, Florida and serves the mortgage needs of homebuyers, homeowners, and investors in Florida, Virginia, and Pennsylvania.

We specialize in conventional home mortgages, FHA, VA, and USDA mortgage options, refinance loans, and reverse mortgages. We’ve worked extensively with cash-out refinancing and help clients to lower their monthly mortgage payments.

To get started with a mortgage to buy your next home, please fill out our Quick Mortgage Application, or contact us direct.

Resources for Additional Research

• Consumer Financial Protection Bureau (CFPB)
• Freddie Mac
• Fannie Mae