All Florida Mortgage Rates & Cities
Tampa Mortgage Broker
Tampa, Florida Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local FL expertise, Hillsborough County knowledge, pre-approval in 24 hours.
$832,7502026 conforming limit (Baseline)
FL licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Tampa Mortgage Quick Facts
Hillsborough County uses the standard baseline conforming amount. Here's the snapshot of the Tampa, FL mortgage market.
$832,750
2026 Conforming Limit
(Baseline)
(Baseline)
$390K
Median Home Price
(Tampa Metro)
(Tampa Metro)
400K
Population
(Tampa)
(Tampa)
9 states
Where OnPoint is Licensed
(incl. Florida)
(incl. Florida)
Calculate Your Tampa Mortgage Payment
Defaults reflect a typical Tampa scenario. Switch loan type, adjust the price, or open the advanced section for taxes and insurance.
Calculator is an estimate. Your actual rate is priced individually — pricing varies by FICO, LTV, DTI, and program. See full Florida rate comparison →
Why Use a Mortgage Broker in Tampa
Tampa metro is one of the fastest-growing in America, with conforming loans at baseline ($832,750). Strong VA (MacDill AFB), conventional, FHA, and DSCR/investor volume. Hurricane-zone insurance affects payment math we model carefully.
Local FL Knowledge
Hillsborough County conforming limits, Florida-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Tampa market without delay.
Loan Programs Available in Tampa
Every loan type used in the Tampa, FL market — we match your file to the lender and program with the best pricing for your scenario.
VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →DSCR Investor
Qualify rental properties on rent vs. payment. No tax returns.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →
Free · 24-Hour Turnaround
Get Your Tampa Mortgage Quote
A licensed Florida loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A Florida loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Tampa Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Tampa scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Tampa market.
3
Close in 21-30 Days
Standard close timing for most Tampa purchase loans. Refi typically 21-35 days.
Tampa Mortgage FAQ
What's the 2026 conforming loan limit in
Tampa is in Hillsborough County, which falls under the Baseline conforming tier at $832,750. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed across all of Florida — NMLS #2134550. We close loans in Tampa and every other major metro in the state. Our state-wide Florida mortgage page covers conforming limits county by county, state-specific DPA programs, and the cities we close in most often.
How fast can I close a mortgage in
Purchase loans in Tampa typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Tampa-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across Florida for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Tampa mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Tampa scenario.
Continue Browsing Florida Mortgages
Tampa is one of many Florida markets we close in. Compare rates state-wide or jump to a nearby city.
Get Your Tampa Mortgage Quote in 24 Hours
Free analysis from a licensed Florida mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-5pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Tampa mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Tampa is in Hillsborough County, Florida, with a 2026 conforming loan limit of $832,750 (Baseline). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.