You're less than 5 minutes away from lowering your monthly payment!

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 FIXED RATE REFINANCE LOAN?

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 fixed rate 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.
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 mortgage and keeps the difference.


“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. 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


You’re making a smart move by looking into refinancing your home; if you do it properly you will have a significantly lower monthly payment. You’ve been responsible up to this point, now it’s time to have more cash on hand to buy a new car, take care of your loved ones or just start doing all the things you want to do. A good refinance loan is financial freedom and a good mortgage consultant 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 we are fully prepared for any curve balls that might be thrown our way. Our attention to detail will ensure that you get the money you deserve.

Some good reasons for refinancing loan are…

  • You can refinance you primary home, vacations home or investment properties.
  • Loan periods can be as short as 10 years or as long as 30 years.
  • You can pay as little as $75 to start the refinancing process.
  • Many flexible options are available and vary by the lender

Refinancing 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. This ensures that you will have the best possible outcome for your pocket book and your property. 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 saving money or paying more per month.

Refinancing your loan provides flexibility

You’ve paid your mortgage responsibly for years now, it’s time to live a little and spend a few hundred dollars less per month to stay in your home. You’ve earned this flexibility which 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.

Integrity, Transparency, Knowledge and Availability are what makes Tampa One stand out – experience the difference
We can have you walk away from the closing table with cash in hand, because Tampa One can get you 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.