In less than 5 minutes you'll be pre-qualifyied to put money in you pockets!

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.

Do you want to learn more about CASH OUT REFINANCE?

Check our video overview
Loan Requirements
  • 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.


A fixed rate refinance loan is a replacement for an adjustable rate mortgage loan (ARM) where the borrower moves from flexibility to stability at a low interest rate. A cash out loan is when a borrower gets a loan on their home for a higher amount than they currently owe, pay of the entire mortgage and keeps the difference.
A borrower can get a cash out loan on an FHA, VA conventional or any other type of loan so long as the property meets all of the requirements. This means the value has to be higher than the amount owed on the mortgage and the borrower must be able to get approved for the loan.


“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

Realtor®, Keller Williams Tampa Properties


It’s time to pay off that pesky mortgage and pocket the difference with a cash out refinance home loan. This product is different from refinancing or a home equity line of credit because cash out refinancing gives you the opportunity to replace your current home mortgage with an entirely new one. You will get better rates, a change in loan duration and a rate decrease if you have a good mortgage consultant that understands the process. We will work hard to make sure you get the best terms, interest rate and possibly save you thousands of dollars. At Tampa One our experienced full-time loan officers are organized and only service a limited number of loans at a time to ensure your loan gets the individual attention it deserves. We put a lot of emphasis on understanding every aspect of your finances to be sure you cash out properly on the first try.

Some good reasons for getting a cash out refinance loan are…

  • You could get a new loan at a better rate
  • Use one loan to borrow against your home’s value
  • Many lenders will offer you financial incentives to choose them
  • 30 Year Fixed, Adjustable Rate Mortgage (ARM) and other unique rates are available
  • Many flexible options are available and vary by the lender

Cash out loans can be your ticket to financial freedom
Let’s say you owe $100,000 on a house that’s worth $250,000 and you want a lower interest rate. You also want $100,000 cash to buy a business. You would be able to refinance the mortgage for a total of $200,000 with ease. And, with an experienced mortgage professional at your side you will get a better rate on the $100,000 you owe on the house and the $100,000 you would use to buy your business. This loan product allows you to use your home as an investment and create financial freedom at the same time you are enjoying the stability of home ownership.

Cash out loans have multiple variables including loan terms, interest rates and duration. Because of these variables it’s even more 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. Once you’re a client our loan officers 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 financial freedom at a price you can afford.

Integrity, Transparency, Knowledge and Availability are what makes Tampa One stand out – experience the difference
Tampa One can get you a cash out 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 refinance 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.

Experience The Difference.