Mortgage Broker in Tampa, FL
Financing a home in Tampa should be clear, hassle-free, and stress-free. As your mortgage broker, Ryan Meyer helps you secure the right loan for your Tampa-area property, avoid costly mistakes, and move confidently from pre-approval to closing.
- Self-employed and investor-friendly loan options
- Clear guidance from pre-approval through closing
Talk With Ryan
Let’s discuss financing for your Tampa home.
TAMPA HOME LOAN OPTIONS
Explore Tampa-Area Loan Programs
Ryan works with homebuyers, homeowners, self-employed borrowers, and investors across Tampa to find the right loan for their situation.
01
Conventional & Government Loans
Conventional, FHA, VA, and Jumbo financing for Tampa-area purchases.
02
Self-Employed Borrowers
Loan strategies built around real income for business owners and 1099 earners.
03
Investor & DSCR Financing
Financing for investment properties, including DSCR loan options.
04
Refinancing
Explore new loan terms or access your home’s equity on an existing Tampa property.
Financing a Home in Tampa
Tampa’s housing market spans downtown high-rises and waterfront neighborhoods like Davis Islands and Bayshore to established suburban communities across the greater Tampa Bay area, which means financing needs can look very different from one buyer to the next.
Ryan Meyer helps buyers and homeowners in Tampa navigate that range, from standard conventional financing to programs built for self-employed borrowers and real estate investors.
Some Tampa buyers are purchasing an income property or a second home rather than a primary residence, and lenders generally treat that differently — down payment requirements and pricing typically differ from an owner-occupied purchase.
What to Consider When Financing in Tampa
- Waterfront and flood-zone properties may require flood insurance, which can affect overall affordability
- Higher-value properties, particularly near the water, may require jumbo financing above the conventional loan limit
- Investment and rental-property buyers have financing paths beyond a standard owner-occupied loan
- Condo purchases often involve additional review of the building association’s finances and insurance
- Self-employed buyers may benefit from bank statement loan programs built around real income rather than tax returns alone
Condos, Waterfront Property & Investment in Tampa
Tampa has a growing number of downtown and waterfront condo buildings, and financing a condo involves the lender reviewing the building’s association — its budget, insurance coverage, and reserve funding — in addition to reviewing you as the borrower. See our Condo Mortgages page for more detail.
Tampa also draws a meaningful number of investment buyers given its rental market. Options like DSCR loans, which qualify you based on the property’s rental income rather than your personal income, are worth exploring for rental purchases.
Working With a Local Mortgage Broker
Ryan Meyer is a Fort Myers-based, Florida-licensed mortgage broker who works with buyers and homeowners throughout Tampa and across the state.
As your broker, Ryan works directly with you from application through closing, keeping you informed at every step.
Frequently Asked Questions
Frequently Asked Questions
Condo financing involves some additional review of the condo association itself, such as its finances and insurance, but Ryan can walk you through what a specific building requires.
Higher-value homes may require jumbo financing — Ryan can help you understand your options for a home above the conventional limit.
Yes, options range from standard investment property loans to DSCR loans that qualify you based on the property’s rental income.
Yes, Ryan has experience helping self-employed borrowers qualify using options like bank statement loans.
It depends on the property. Homes in FEMA-designated flood hazard areas generally require flood insurance for most loan programs — Ryan can help you understand what applies to a specific property.
Buying elsewhere in Florida? See our statewide Florida mortgage overview for programs and considerations that apply across the state.
Let’s Talk About Your Tampa Home Loan.
Whether you’re ready to get pre-approved or just comparing your options, connect with Ryan to talk through what’s next.
Talk With Ryan