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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 VA REFINANCE LOANS?

Check our video overview
Loan Requirements
  • Statement of Service Letter
  • 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 Veterans Association 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


To every Veteran in the market for a VA Refinance Loan, Tampa One would like to first thank you for your service to our country and second – assure you that we will do everything possible to get you the loan you deserve regardless of your circumstances. Every man and woman who has served deserves a simple refinancing process with transparency and accountability. And it is unfortunate that every mortgage company that has the ability to get you a VA Refinance Loan likely doesn’t believe in those values. At Tampa One our experienced full-time loan officers are ready to make sure that as a veteran, you get the individual attention that you deserve. We spend a lot of time understanding every aspect of your finances to be sure we are fully prepared for unforeseen circumstances.

Some good reasons for getting a Veterans Association Refinance Loan are…

  • You can refinance VA, FHA, Jumbo or any other type of loan
  • With a credit score as low as 620 you can still qualifys
  • Guaranteed low rates
  • No appraisal or underwriting package is required for a VA Refinance Loan
  • You can refinance as much as $529,000.00

The federal government has worked hard to make this process easy but, it’s still very possible that an inexperienced mortgage broker will hurt your chance at getting better terms on your loan. Many organizations will parade around their brokers with military experience and cite that as a reason you should choose them instead of another company. Tampa One is well known in this region for having a near perfect VA Loan closure rate. This is because we make sure every important detail is addressed in the beginning of the application process. Then we take the time to explain every option in terms you will understand. We want to make sure you’ll have the best possible outcome, and once you’re a client you will have an entire team of professionals available to you outside of normal business hours and on weekends.

Integrity, Transparency, Knowledge and Availability are what makes Tampa One stand out – experience the difference
With no low closing costs whatsoever, Tampa One can get you a VA 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 their 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 have 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.