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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 FHA MORTGAGE REFINANCING?

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.


At Tampa One we get FHA refinance 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 45 days to complete the process.
Refinancing with a second mortgage can be a very tricky task, but it is possible with an experienced loan consultant. At Tampa One we first try to tackle is the second mortgage by finding out if they would be willing to resubordinate or find another creative way to pay them off. If that doesn’t work we go the tougher, slightly more expensive route and roll the two mortgages into one refinance.


“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


Even the Federal Government wants to see you have flexibility as a homeowner, so they created Federal Housing Administration Refinance Loan (FHA Refinance Loan) to make sure you’re comfortable in your home. Every applicant has two great options in FHA refinancing that is catered to their needs. If you need a lower payment quickly, FHA Streamline Refinance is your best option because it will reduce your interest rate with minimal paperwork and possibly without an appraisal. If you need money now, an FHA Cash Out Refinance Loan will allow you to take out a loan for more than your home is worth and get a check for the difference. Even with these clear criteria, many loan officers make mistakes with the 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 days and can make sure you get the loan with terms you can afford. We have a track record of making these sorts of loan happen because 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.

Some good reasons for getting a FHA Refinance Loan are…

  • Appraisals may not be required
  • Income verification not required
  • Employment verification may not be required
  • Credit verification may not be not required
  • You could walk away from the closing table with cash

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 your FHA Refinance because we simplify the process and do our research to ensure you get the best terms. 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. Remember choosing Tampa One can be the difference in you getting the FHA Loan you deserve or being stuck in a bad loan.

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