More than one lender's menu
As a broker we work with 20+ wholesale lenders and banks, so you can compare options that fit your situation instead of one bank's products.
Licensed Florida mortgage broker · Based in Tampa Bay · Available 24/7
Florida Mortgages, Built Around Your Schedule
Based in Tampa Bay, serving homebuyers from Jacksonville to Key West. As an independent mortgage broker, we shop your loan with 20+ wholesale lenders, so you can compare real options side by side, with a loan officer you can call or text 24/7.
Purchase · Refinance · Conventional · FHA · VA · USDA · Jumbo · Serving all of Florida
See your loan options
No obligation. A licensed loan officer will reach out.
- Licensed Florida Mortgage Broker since 2013
- NMLS #1082016
- Options from 20+ wholesale lenders
- 5.0 on Google (25 reviews)
Equal Housing Opportunity
A broker in your corner, not a bank's
One conversation, many lenders, anywhere in Florida. We do the shopping and explain the trade-offs, so you can decide with confidence.
Statewide, Tampa Bay based
From Jacksonville to Key West, we help buyers across Florida and know Florida-specific questions like flood zones and homeowners insurance costs.
Available 24/7
The “247” in our name is real. Call or text your loan officer any time, day or night, including weekends and holidays.
Straight answers
We explain your Loan Estimate line by line, so you know what you're comparing before you decide.
Options beyond the basics
Self-employed, a real estate investor, or turned down by a bank? We may be able to help you explore other programs.
Secure online application
Apply on your own time through our secure application portal, then talk it through with a real person.
Serving homebuyers across Florida
Our headquarters is in the Tampa Bay area, and we help borrowers all over the state by phone, text, email and our secure online application. We coordinate with your local real estate agent and title company, wherever you're buying.
- Jacksonville & North Florida
- Orlando & Central Florida
- Tampa Bay (home base)
- Sarasota & Southwest Florida
- South Florida
- Key West & the Florida Keys
Licensed in Florida only (NMLS #1082016). Office: Riverview, FL.
Loan options we can help you explore
Program availability depends on lender guidelines, property type and borrower qualifications.
Home purchase
First home, move-up home or second home, with a pre-approval you can shop with.
Learn more about Home purchase →Refinance & cash-out
Change your term, remove mortgage insurance where eligible, or use your equity. Streamline options for FHA and VA loans.
Learn more about Refinance & cash-out →Conventional loans
Fixed-rate and adjustable-rate options for buyers with established credit.
Learn more about Conventional loans →FHA loans
Flexible credit guidelines and lower down payment options. Popular with first-time buyers.
Learn more about FHA loans →VA loans
For eligible veterans, service members and qualifying surviving spouses. No monthly mortgage insurance.
Learn more about VA loans →USDA loans
Backed by the U.S. Department of Agriculture for eligible homes in qualifying rural and suburban areas.
Learn more about USDA loans →First-time buyer & down payment assistance
Florida Housing and local programs that may help eligible buyers with down payment and closing costs.
Learn more about First-time buyer & down payment assistance →Bank statement, non-QM & DSCR
For self-employed borrowers, plus DSCR loans that let real estate investors qualify on a property’s rental income (investment properties only).
Learn more about Bank statement, non-QM & DSCR →Jumbo & construction
Financing above conforming loan limits, plus construction loans to build a new home.
Learn more about Jumbo & construction →From first call to closing table, in four steps
Talk to a loan officer
Start with a quick 15–20 minute call about your goals and budget. We'll suggest the loan types worth a look.
Get pre-approved
Complete the secure online application. We review your credit, income and assets so you can shop with confidence.
Compare and choose
We shop your scenario with our lender partners and walk you through the Loan Estimates.
Close with confidence
We coordinate with your agent, title company and lender, and keep you updated until you get the keys.
Start My Pre-Approval → (opens secure application in a new tab)
Buying your first home in Florida?
Buying for the first time comes with a lot of new terms. We'll explain each step and help you figure out what you can comfortably afford before you start touring homes.
- Learn which loan types fit your credit, savings and goals
- Ask about Florida first-time homebuyer and down payment assistance programs
- Get a pre-approval letter you can shop with
- Know your estimated costs before you make an offer
What our clients say
Rated 5.0 on Google from 25 reviews. Here’s what a few of our clients said, in their own words.
★★★★★
“David was wonderful to work with. He was always available and kept things moving at a quick pace. He kept me well informed every step of the way. Great experience!”
★★★★★
“Dave is extremely informative and knowledgeable in providing as much information as you may need. 24/7 is quite accurate, as Dave never lacked a reply to my inquiries. Trust and integrity are of the utmost importance to me—in my experience with Dave, I believe he has exceeded the mark in providing peace of mind and excellence.”
★★★★★
“Working with Dave through the process of purchasing a home was one of the best experiences. He answered all our questions, even though we probably asked more than necessary. Dave was quick to respond and guided us as first time buyers through the process knowing this is a big step for us. He treated us and the whole experience as someone who genuinely cared about helping us attain our goal of being homeowners. We are grateful to have found Dave Rodgers to alleviate some of the stress of the mortgage process.”
Meet your loan officers
45+ years of combined mortgage experience. Work directly with a licensed loan officer from first call to closing.
Chad Morris
Owner & Loan Officer · NMLS #352539
With 25+ years in the mortgage business, Chad owns 247 Home Loans and works directly with buyers and homeowners across Florida on purchases and refinances. He walks each client through their options, explains the numbers in plain English and stays reachable from application to closing.
Apply with Chad
Dave Rodgers
Loan Officer · NMLS #363840
Dave brings 20+ years in the mortgage business to helping Florida borrowers compare loan options and get from pre-approval to the closing table. He coordinates with agents, title companies and lenders and keeps clients updated at every step.
Apply with DaveQuestions Florida homebuyers ask us
What's the difference between a mortgage broker and a bank?
A bank can only offer its own loan products. As a broker, we compare options from multiple wholesale lenders and help you choose the one that fits your goals. The lender you choose makes the credit decision and funds the loan.
How much do I need for a down payment?
It depends on the loan type and your situation. Many programs, including VA, USDA, FHA, certain conventional loans and Florida down payment assistance programs, have more flexible down payment requirements than people expect. We'll walk through the options that fit you.
Does checking my options hurt my credit?
Talking with us doesn't affect your credit. A full pre-approval requires a credit check, and we'll tell you before we pull it.
Can you help if I'm self-employed or was turned down elsewhere?
Often, yes. We may be able to look at programs that document income differently. Approval isn't guaranteed and depends on lender guidelines and your full application.
How long does it take to close?
Timelines vary with the loan type, appraisal, title work and how quickly documents come in. We'll give you a realistic timeline up front and keep you updated along the way.
What will my rate be?
Rates change daily and depend on your credit, loan amount, down payment, property and loan type. After you apply, you'll receive a personalized Loan Estimate so you can see the actual terms before you decide.
Do you only work in Tampa Bay?
No. Tampa Bay is our home base, but we help borrowers throughout Florida, from Jacksonville and Orlando to South Florida and the Keys. We work by phone, text, email and our secure online application, and we coordinate with your local real estate agent and title company. We're licensed in Florida only.
Can you work with my real estate agent?
Yes. We regularly work with real estate agents around the state, from Jacksonville to Key West. We'll keep your agent updated so your purchase stays on track.
Ready to see your options?
Talk to a licensed Florida loan officer, 24 hours a day, 7 days a week, wherever you’re buying in the state. No obligation, and no credit check just to talk.