Loan Programs
Every mortgage program available to Tampa Bay buyers, in one place. Browse by loan type below, or start with a financial consultation to find out which programs actually fit your situation.
Government-Backed Loan Programs
Backed by a federal agency, which allows lenders to offer more flexible terms than a standard conventional loan.
VA Loans Tampa
For eligible Veterans, active-duty service members, and qualifying surviving spouses. No down payment, no monthly PMI.
FHA Loans Tampa
Down payments as low as 3.5% with flexible credit requirements — a common path for first-time buyers.
First-Time Home Buyer Programs
An overview of the programs and considerations built specifically for first-time Tampa buyers.
Conventional & Larger Loan Amounts
Not backed by a government agency — typically the best pricing for borrowers with strong credit and savings.
Conventional Loans Tampa
The most common loan type, with down payments starting around 3-5% for qualified buyers.
Jumbo Loans Tampa
For loan amounts above the conforming limit — common for Tampa’s higher-value neighborhoods.
Down Payment Assistance Tampa
Programs that may help eligible buyers reduce the cash needed to close.
For Self-Employed & 1099 Borrowers
Built for borrowers whose income doesn’t fit a standard W-2 file.
Bank Statement Loans Tampa
Qualify using bank deposits instead of tax returns — common for business owners.
Self-Employed Mortgage Tampa
How self-employed income is documented and evaluated for a home loan.
1099 Mortgage Loans Tampa
Options for contractors and freelancers whose income is reported on a 1099.
Investment Property & Specialty Programs
For investors, physicians, and buyers building something new.
DSCR Loans Tampa
Qualify based on a property’s rental income potential rather than personal income.
Investment Property Loans Tampa
Financing options for buyers purchasing rental or investment property in Tampa.
Financing Investment Property In Tampa, Florida
A deeper look at structuring financing for investment purchases.
Physician Loans Tampa
Specialty financing built around the unique income and debt profile of medical professionals.
Home Project Financing
Options for financing construction, remodeling, roofing, and other home improvement projects.
Talk Through Your Options With William Willis
William has more than 27 years of mortgage experience and can help you compare programs before you apply — no pressure, no obligation.
Speak With William Willis About Your Options
Mortgage inquiries submitted through Tampa Mortgage Guide may be directed to William Willis, Branch Manager, NMLS #1514031.
- William Willis, Branch Manager
- NMLS #1514031
- Email: william@neomtg.com
- Phone: (904) 615-7720
Request A Financial Consultation
Tell us about your situation and a licensed mortgage professional may contact you about your options.
TampaMortgageGuide.com is an independent mortgage education and marketing platform. We are not a lender, mortgage broker, loan originator, or financial institution. Loan programs, rates, terms, eligibility, and approvals are determined by licensed mortgage professionals, participating lenders, underwriting guidelines, and applicable law.