Over 20 Years Experience of 5 Star Rated Service

Simple Process. Honest Communication. No Hidden Surprises.

Simple Process.
Honest Communication.
No Hidden Surprises.

Wholesale Rates

We are a hybrid lender with access to Wholesale rates. Unlike mortgage brokers, we keep everything in house from application to closing.

 Our processors, underwriters and closers have a clean, efficient and reliable system to make sure your deal closes on time.

Premium Service

With a bank you may be seen as just a number, our clients have access to our team outside of normal business hours and on weekends when you need to reach us or have questions.


Standard down payment on a Jumbo loan is 20% which will give you access to the best possible market interest rates and closing costs. 

If you are looking to put down less than 20% be prepared for more qualification requirements and higher rates.

What Others Are Saying

“Chris Kidder at the Mortgage Firm made buying a house very simple and easy. I am a business owner of a Chirpractic office in the Tampa area and was concerned that buying a new home would consume my time. Not with Chris on my side. I did not miss a beat with my practice. Thank you Chris at the Mortgage Firm for making this a quick and easy process.”
tampa jumbo loan review

Most common questions about conventional jumbo loans

At Tampa One it’s our goal to close your Jumbo Loan within 20 days. Many mortgage brokers and banks average around 45 days because the process can be complex. If you work for someone else and have a steady set salary, the process is pretty straight forward and very similar to a conventional or FHA loan. If you’re a higher net worth individual with multiple income streams or you get paid in large lump sums you’re going to need an experienced loan consultant that knows all the right questions to ask. You could make more than enough money and still not be able to close the loan because your information isn’t organized well enough for an underwriter to feel comfortable approving your application. Choose wisely!
The short answer is yes! Jumbo rates are higher than conventional rates with as much as a 1.5% difference in some circumstances. At Tampa One we have the ability to get you the best rates because we work closely with multiple A-rated mortgage companies and we are a direct lender. This means we can shop for the best rates nationwide or in some cases directly loan you our money for your Jumbo loan. Our goal is to keep your Jumbo loan interest rate within 0.5% of the average FHA and conventional loan rates .
A Jumbo loan can be refinanced so long as you qualify. The main question to be asked before refinancing is, would you like to lower your monthly payment or get a cash out loan and put more money in your pocket?

Required Documents For A Jumbo Loan

  • Clear copy of your Driver’s License or Green Card if not US Citizen.
  • Two or more current, consecutive pay stubs; to equal one full month of pay
  • Last two years of W-2’s or 1099’s
  • Last two years of complete tax returns with all schedules.
  • Two current months of bank statements on all accounts, including pages intentionally left blank

*Each mortgage is unique and depending on your situation (bankruptcy, citizenship, etc), other documentation may be required. Please call for free consultation.

Understanding Jumbo Loans

Congratulations on earning the ability to buy one of the more expensive homes in Tampa Bay through the use of a jumbo loan. Now it’s time to get a good mortgage consultant who will make sure you even get the loan. Too often lenders fall apart under the pressure of a jumbo loan because the finances of higher net worth individuals become a daunting task for a loan officer who is used to the finances of a person who has had; 1 job for 10 years, punches a clock for a set salary, owns one property at a time and doesn’t carry debt that exceeds their monthly salary. If your finances don’t fit into these nice, neat confines you’ll need a lender who; has procured multiple loans in excess of $5,000,000.00, has helped people with credit liabilities in excess of $200,000.00 and has a habit of closing jumbo loans within 30 days. We put a lot of emphasis on understanding every aspect of your finances to be sure we are fully prepared for any curve balls that might be thrown our way. This attention to detail is the reason why our biggest referral source for business has always been Realtors and that’s because – we make sure closings happen.

Some good reasons for getting a jumbo loan are….

  • You only need a 15-20% down payment to get a jumbo loan
  • Finance a loan up to $5,000,000.00
  • Many lenders will offer you financial incentives to choose them
  • Available in Adjustable Rate Mortgage (ARM) or Fixed Rate options
  • Use this type of loan for primary homes, vacations homes or investment properties

Jumbo loans have multiple variables including loan terms, proof of income requirements, interest rates, maximum loan amounts, intense disclosures and loan duration. Because of these variables it’s very important to choose the right mortgage professional the first time. We explain every aspect of the process and your loan options in terms you will understand. We make sure you’ll have the best possible outcome on one of the biggest purchases you will ever make. We simplify the home buying process and make sure you get the best terms, interest rate and possibly save you thousands of dollars. Once you’re a client our team will be available to you outside of normal business hours and on weekends when you need to ask questions throughout the process. Choosing Tampa One can be the difference in you getting the jumbo loan you’ve deserve or getting a much more economical house in a less spectacular area.

Integrity, Transparency, Knowledge and Availability are what makes Tampa One stand out – experience the difference

Tampa One can get you a jumbo loan with the best available interest rates and the lowest possible monthly payment. Many large mortgage companies and banks can only give you one interest rate option with a loan offer because they are forced to lend their own money. Some of the small local mortgage companies have the ability to shop for rates, but they’re stuck with whatever their lending partners have to offer. Tampa One has the ability to get you the best rates because we work closely with multiple A-rated mortgage companies and we are a direct lender. This means we can shop for the best rates nationwide and Tampa One also has the ability to directly loan you our money to buy your home. At Tampa One our process is built on integrity, knowledge, transparency and availability to ensure that you get the best possible outcome for yourself, your loved ones and your future.