Mortgage Brokers in Tampa, FL
Compare mortgage brokers in Tampa. Review contact information and insurance categorys before you decide.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Florida before hiring.
Showing 20 mortgage brokers in Tampa, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage brokers in Tampa Florida help home buyers and refinance clients find suitable loan products from multiple lenders. Florida law requires mortgage brokers to be licensed through the Florida Office of Financial Regulation and follow strict disclosure rules under Chapter 494 of the Florida Statutes. Brokers in Tampa often assist with conventional FHA VA and jumbo loans tailored to local market conditions.
What Does a Mortgage Broker in Tampa Cost?
Mortgage brokers in Florida typically charge an origination fee of 1 percent to 2 percent of the loan amount. For a 300000 dollar loan this equals 3000 to 6000 dollars. Some brokers also charge application fees ranging from 300 to 500 dollars. Third party costs such as appraisal title insurance and recording fees are separate and vary by county. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is the difference between a mortgage broker and a loan officer in Tampa?
A mortgage broker works independently and shops your loan across multiple lenders to find the best terms. A loan officer works directly for one bank or credit union and can only offer that institutions products. Brokers in Florida must hold a mortgage broker license while loan officers need a mortgage loan originator license.
What documents do I need to apply with a mortgage broker in Tampa?
You typically need recent pay stubs W-2 forms tax returns bank statements and photo identification. Florida law requires brokers to provide a Loan Estimate within three business days of receiving your application. Self-employed borrowers may need additional profit and loss statements.
How long does the mortgage process take with a Tampa broker?
A typical mortgage process takes 30 to 45 days from application to closing. Florida law requires a seven day right of rescission for refinances on your primary residence. Delays can occur if property appraisals or title work take longer in the Tampa market.