Mortgage Broker in Seminole, FL
247 Home Loans helps buyers and homeowners in Seminole, the Pinellas County city between Largo and the Gulf beaches. (Not to be confused with Seminole County near Orlando, though we're licensed statewide and help there too.) We compare purchase and refinance options from more than 20 wholesale lenders.
Where we help in Seminole
- Around Lake Seminole: single-family homes and waterfront lots near Lake Seminole Park
- Bardmoor and Oakhurst: established neighborhoods and golf-course homes
- Bay Pines and Boca Ciega Bay: waterfront and near-water homes on the south side
- Villas, condos and 55+ communities throughout the area
Some Seminole addresses share ZIP codes with Largo and the beach towns, so we confirm city and county details for taxes and insurance early.
What to plan for when buying in Seminole
- Flood zones: homes near Boca Ciega Bay, Long Bayou and Lake Seminole can be in FEMA flood zones.
- Older homes: 4-point and wind mitigation inspections are common insurer requests, and roof age matters.
- Villas and condos: association reserves, inspections and dues affect both loan approval and your monthly cost.
- Military households: the Bay Pines VA Healthcare System is nearby, and many veteran buyers here use VA loans.
DSCR loans for Seminole investors
A DSCR (debt-service coverage ratio) loan lets you qualify on the property's rental income instead of your personal income, which suits many real estate investors, including self-employed investors. DSCR loans are for investment properties only, not a home you'll live in, and the loan can often be held in an LLC, subject to lender guidelines. Seminole's location near the beaches draws long-term renters, and DSCR loans can be used on single-family homes and eligible villas or condos. Rental rules vary by city, county, zoning and HOA or condo association, so confirm what's allowed for a specific property before counting on rental income.
Working with a Tampa Bay-based broker
247 Home Loans is a Florida-wide mortgage broker with its home base in Tampa Bay; our office is in Riverview. As an independent broker, we compare purchase and refinance options from more than 20 wholesale lenders. Most of the process happens by phone and online, and closings are coordinated with your title company.
Loan programs we offer
- Conventional and jumbo purchase and refinance
- FHA, VA and USDA (in eligible areas)
- Bank-statement and other non-QM loans
- DSCR loans for investors
- Construction loans
Your loan officers
- Chad Morris, Owner & Loan Officer, NMLS #352539
- Dave Rodgers, Loan Officer, NMLS #363840
Frequently asked questions
Is Seminole, FL the same as Seminole County?
No. This page is about the city of Seminole in Pinellas County. Seminole County is near Orlando. We're licensed throughout Florida, so we can help in either place.
Can I use a VA loan in Seminole?
Yes, if you're eligible. VA loans are available to eligible veterans, active-duty service members and some surviving spouses. We'll help you get your Certificate of Eligibility and compare VA with other options.
Is flood insurance required in Seminole?
It depends on the flood zone. If the home is in a FEMA special flood hazard area and you have a federally backed loan, flood insurance is required. We'll check the zone and help you get quotes early so insurance costs aren't a surprise.
Can I buy a Seminole rental with a DSCR loan?
Yes. DSCR loans qualify on the property's rental income instead of your personal income, are for investment properties only, and can often be held in an LLC. Check association rental rules first.
Do I have to come to your Riverview office?
No. We handle the loan by phone and online, and closings are coordinated with a title company near you.
Other areas we serve
Florida-wide broker; home base Tampa Bay.
Talk with Chad about your Seminole purchase
Call or text Chad at 813-495-9542, or apply online. Florida-wide broker; home base Tampa Bay. No obligation, and no credit check just to talk.