NMHL Mortgage Lending
Mortgage Lender in Tampa, FL
Local expertise and competitive rates for Tampa homebuyers.
Tampa, Florida's vibrant cultural hub, is experiencing a surge in home prices, with the median home price currently estimated at $340,000. As a borrower in Tampa, you're likely navigating a competitive market with various mortgage options. National Mortgage Home Loans (NMHL) is here to guide you through the process, offering a range of mortgage programs tailored to Tampa's unique market conditions.
Our local expertise and knowledge of Tampa's neighborhoods, from the historic homes of Old Seminole Heights to the waterfront properties of Harbour Island, enable us to provide personalized service and competitive rates. Whether you're a first-time homebuyer or a seasoned investor, NMHL's mortgage solutions are designed to help you achieve your goals in Tampa's dynamic real estate market.
At NMHL, we understand the challenges faced by underserved borrowers, including those with bad credit, self-employed individuals, and veterans. Our specialized programs, such as our VA loan options and credit rebuilding initiatives, are designed to help these borrowers overcome common obstacles and secure the mortgage they need.
Tampa Housing Market Overview
Explore mortgage options in Tampa, FL with NMHL. Our local expertise helps you navigate the Tampa real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Tampa
Explore mortgage options tailored to Tampa homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
Learn MoreWhat Our Clients Say
Real reviews from Google — no cherry-picking
Our Presence
Click on endorsed states to see our direct resources!
Tampa's Thriving Housing Market: Trends and Insights
Tampa's housing market is experiencing a period of growth, driven by a strong local economy and influx of new residents. The median home price in Tampa has risen to $340,000, with some neighborhoods seeing significant appreciation in recent years. NMHL's local expertise helps you navigate this competitive market and find the right mortgage solution for your needs.
- The Tampa-St. Petersburg-Clearwater metropolitan area has seen a 10% increase in home prices over the past year.
- Inventory remains relatively low, with a 3-4 month supply of homes for sale in most neighborhoods.
- New construction is on the rise, with many builders focusing on luxury homes and apartments in Downtown Tampa and surrounding areas.
Stay ahead of the competition with NMHL's pre-approval process. Get started today and discover your mortgage options in Tampa.
NMHL's Mortgage Programs for Tampa Borrowers
At NMHL, we offer a range of mortgage programs designed to meet the unique needs of Tampa borrowers. From conventional loans to government-backed mortgages, our programs are tailored to help you achieve your homeownership goals.
Our mortgage options include:
- FHA loans with down payments as low as 3.5%
- VA loans for eligible veterans and service members
- USDA loans for rural homebuyers
- Jumbo loans for high-end borrowers
- Specialty loans for self-employed individuals and those with non-traditional income
Don't let credit challenges hold you back. NMHL's credit rebuilding initiatives can help you qualify for a mortgage.
Down Payment Assistance Programs in Tampa, FL
Down payment assistance programs can be a valuable resource for Tampa homebuyers, helping to reduce the upfront costs of purchasing a home. The Florida Housing Finance Corporation (FHFC) offers several down payment assistance programs, including the Florida Homebuyer Loan Program and the Down Payment Assistance Loan Program.
NMHL can help you navigate these programs and determine which ones you may be eligible for. Our mortgage experts will work with you to identify the best down payment assistance options and guide you through the application process.
Maximize your purchasing power with NMHL's down payment assistance options. Contact us to learn more.
Tampa Neighborhoods: A Guide to the City's Most Popular Areas
Tampa is a city of diverse neighborhoods, each with its own unique character and charm. From the historic homes of Old Seminole Heights to the modern condos of Downtown Tampa, there's a neighborhood to suit every lifestyle and preference.
Some of Tampa's most popular neighborhoods include:
- Ybor City: Known for its vibrant nightlife and Cuban culture
- Westshore: A bustling business district with easy access to Tampa International Airport
- Carrollwood: A family-friendly suburb with a mix of single-family homes and apartments
- Harbour Island: A waterfront community with luxury homes and stunning views of the Tampa skyline
Find your dream home in Tampa with NMHL's local expertise. Contact us to get started.
Frequently Asked Questions
Tampa's most sought-after neighborhoods include Ybor City, known for its vibrant nightlife and Cuban culture, and Westshore, a bustling business district with easy access to Tampa International Airport. Other popular areas include Downtown Tampa, with its modern condos and urban lifestyle, and the family-friendly suburbs of Carrollwood and North Tampa.
Property taxes in Tampa are assessed by the Hillsborough County Property Appraiser's Office and collected by the Hillsborough County Tax Collector's Office. The average effective property tax rate in Hillsborough County is 0.73%, which is slightly higher than the state average. Homeowners in Tampa can expect to pay around $2,482 per year in property taxes on a $340,000 home.
Working with a local mortgage lender like NMHL provides several benefits, including personalized service, local market expertise, and faster turnaround times. Our knowledge of Tampa's neighborhoods and market conditions enables us to provide tailored guidance and support throughout the mortgage process.
Tampa homebuyers can take advantage of several first-time homebuyer programs, including the Florida Housing Finance Corporation's (FHFC) down payment assistance programs and the City of Tampa's Homeownership Assistance Program. NMHL can help you navigate these programs and determine which ones you may be eligible for.
While bad credit can make it more challenging to secure a mortgage, NMHL offers specialized programs for borrowers with credit challenges. Our credit rebuilding initiatives and alternative credit scoring models can help you qualify for a mortgage even with a lower credit score. Contact us to discuss your options and get pre-approved.
School districts play a significant role in determining home values in Tampa. The Hillsborough County Public Schools district serves Tampa, with highly-rated schools like Tampa Bay Technical High School and Henry B. Plant High School. Homes located in areas with top-rated schools tend to command higher prices and appreciate in value over time.
Related Resources
Ready to Buy in Tampa?
Let NMHL help you navigate the Tampa housing market with expert guidance and competitive rates.