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Get Pre-Qualified For Your Tampa Home Loan In Less Than 5 Minutes!


Even the Federal Government wants to see you have an opportunity to become a homeowner, so they created Federal Housing Administration Loans (FHA Loans) to make sure your dream becomes reality. These loans have attractive interest rates and flexible qualification requirements designed to ease you out of renting and into home ownership. Some can even qualify with a credit score of just 580 and no personal cash in savings. FHA Loans encourage their applicants to get their down payments as a cash gift from family or use a state or local government down-payment assistance program. Even with these minimal qualifications many loan officers make mistakes in the home process like not properly reporting financial gifts or mishandling the government’s first time homebuyer paperwork resulting in the loan getting revoked. What you need is a good mortgage consultant who has experience with the FHA process, a track record of closing within 30 days and can make sure you get the loan with terms you can afford. 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 FHA Loan are….

  • You can get a FHA Loan with just a 3.5% down payment
  • Finance a loan up to $275,650.00
  • Available with multiple Fixed Rate options
  • FHA Loans allow for financial hardship relief

The FHA is not a direct lender, so borrowers need to get their loan from an FHA approved lender. Be warned that not all FHA approved lenders have the same interest rate, cost or even the same FHA Loan. 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 FHA Loan you’ve deserve or losing out.

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

For as little as 3.5% down, Tampa One can get you an FHA 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.

What Others Are Saying

“I have had the pleasure of working with Chris Kidder at the Mortgage Firm for several years now and it continues to be an outstanding experience. His team is very accessible, responsive and always keeps me updated.”
Maria Kletchka

Most common questions about FHA loans

FHA home loans are best suited for people who are low to middle income and will not qualify for a conventional loan. The FHA requires a minimum credit score of at least 580, but they also state that a lower credit score does not automatically disqualify you either. The down payment minimum is 3.5%, and by FHA rules that entire amount can be borrowed from another person or entity.
At Tampa One we can get you an FHA Loans within 20 days when the client hands in all documents within one day of us making the request. With the typically mortgage broker it takes 30 to 45 days to get a FHA loan. In some situations we’ve had to put them together in as little 12 days after the client’s previous mortgage company was unable to get them a loan. We prefer not to operate under time constraints, but we make loans happen when others have failed.
FHA loans are conforming loans, this mean they meet the underwriting guidelines set forth by Fannie Mae and Freddie Mac. They are low risk and are awarded to the most creditworthy of borrowers. They require low down payment, comprehensive reporting and mortgage insurance. The current maximum size of a conforming loan is $417,000, but as with anything there are exceptions.

Required Documents For A FHA 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.