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Find Mortgage Lenders in Zephyrhills, FL

Directory of mortgage lenders in Zephyrhills, Florida. Verify credentials with the state state mortgage licensing authority before hiring.

10 agents listed
Updated June 2026
Zephyrhills, FL
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 10 mortgage lenders in Zephyrhills, 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.
Trax Credit Union
36239 Pure Water Wy, Zephyrhills, FL 33541
(813) 800-8729 traxcu.com
Amy Chappell | SouthState Mortgage
6930 Gall Blvd, Zephyrhills, FL 33542
(813) 780-3310 southstatebank.com
Suncoast Credit Union
32745 Eiland Blvd, Zephyrhills, FL 33545
(800) 999-5887 locations.suncoastcreditunion.com
OneMain Financial
7864 Gall Blvd, Zephyrhills, FL 33541
(813) 788-5859 onemainfinancial.com
The DeJesus Group
7810 Gall Blvd UNIT 323, Zephyrhills, FL 33541
(813) 299-8962 thedejesusgroup.com
Truist
7809 Gall Blvd, Zephyrhills, FL 33541
(813) 862-4274 truist.com
Emilio
6982 Fort King Rd, Zephyrhills, FL 33541
(813) 724-2037
Home Capital Corporation
38349 Co Rd 54 suite a, Zephyrhills, FL 33542
(352) 303-5385 homecapitalcorp.com
Chase Mortgage
7800 Gall Blvd, Zephyrhills, FL 33541
(813) 780-6021 chase.com
Peggy Warner Bolden - Truist Mortgage Loan Officer
7809 Gall Blvd, Zephyrhills, FL 33541
(813) 380-5489 truist.com

Mortgage lenders in Zephyrhills Florida help home buyers and homeowners secure loans for purchase or refinance. Florida law requires lenders to be licensed through the Florida Office of Financial Regulation. Local lenders understand the Zephyrhills real estate market and can guide you through state specific closing procedures.

What Does a Mortgage Lender in Zephyrhills Cost?

Typical mortgage lender costs in Florida include an origination fee of 0.5% to 1% of the loan amount and third party fees for appraisal, title search, and credit report. Closing costs in Florida usually range from 2% to 5% of the purchase price. Some lenders charge a flat fee of $1,000 to $2,000 for processing. 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 documents do I need to apply for a mortgage in Zephyrhills?
You typically need pay stubs, tax returns, bank statements, and a valid ID. Florida lenders also require proof of homeowners insurance. Self employed borrowers may need additional profit and loss statements.
How long does a mortgage approval take in Florida?
Most mortgage approvals in Florida take 30 to 45 days from application to closing. Florida law allows a three day rescission period for refinances. Pre approval can happen within a few days.
Are there Florida specific mortgage programs for first time buyers?
Yes, the Florida Housing Finance Corporation offers the Florida First program with down payment assistance. Local lenders in Zephyrhills can help you apply. Eligibility depends on income and purchase price limits.