Mortgage Broker in South Tampa, FL
247 Home Loans is a licensed Florida mortgage broker (NMLS #1082016) based in Riverview and serving South Tampa and the rest of Florida since 2013. As a broker, we compare loan options from more than 20 wholesale lenders instead of offering one bank's products. Call 813-495-9542; we're available 24/7.
Local knowledge for South Tampa buyers
South Tampa, including Hyde Park, Palma Ceia, Davis Islands and the MacDill AFB area, has higher price points, historic homes and flood-zone considerations. We help buyers compare conventional, jumbo and VA options across our network of wholesale lenders.
Loan programs we offer in South Tampa
- Conventional purchase and refinance
- FHA loans for first-time and repeat buyers
- VA loans for veterans and active-duty families (MacDill AFB is nearby)
- USDA loans in eligible areas
- Bank-statement and other non-QM loans for self-employed borrowers
- DSCR loans for real estate investors
- Construction loans
DSCR loans for investors in South Tampa
South Tampa investors look at older bungalows, townhomes and condos near MacDill AFB, Hyde Park and Bayshore, where demand from military families and professionals supports rentals. Flood zones matter on many streets, so we check insurance early. With a DSCR (debt-service coverage ratio) loan, you qualify based on the property's rental income instead of your personal income, so there are no tax returns or pay stubs to document. DSCR loans are for investment properties only, not a home you'll live in. Loans can often close in an LLC's name, subject to lender guidelines.
Your loan officers
- Chad Morris, Owner & Loan Officer, NMLS #352539, 25+ years in mortgage lending
- Dave Rodgers, Loan Officer, NMLS #363840, 20+ years in mortgage lending
Frequently asked questions
Do I need to come to your office?
No. Most of the process happens by phone and online, though you're welcome to visit us in Riverview.
Do you only work in South Tampa?
No. We're licensed throughout Florida and help borrowers statewide; Tampa Bay is our home base.
Can I buy a rental property in South Tampa with a DSCR loan?
Yes. DSCR loans qualify on the property's expected rental income rather than your personal income, and the loan can often be held in an LLC. Eligibility and terms depend on the lender and the property.
How do I get started?
Apply online at 247homeloans.net/apply-now or call 813-495-9542.
247HomeLoans.net, LLC · NMLS #1082016 · Florida Mortgage Broker License MBR1749 · 11256 Winthrop Main St., Riverview, FL 33578 · NMLS Consumer Access · Equal Housing Opportunity. Not a commitment to lend; all loans subject to credit approval and program guidelines.
Other areas we serve
Florida-wide broker; home base Tampa Bay.
Buying or refinancing in South Tampa, FL?
Call or text Chad at 813-495-9542, or apply online. Florida-wide broker; home base Tampa Bay.