Mortgage Broker in Valrico, FL
247 Home Loans is a licensed Florida mortgage broker (NMLS #1082016) based in Riverview and serving Valrico 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 Valrico buyers
Valrico and nearby FishHawk and Lithia draw families looking for space and good schools. Many homes have HOA or CDD fees, and some newer builds call for construction or new-construction financing. We work with buyers here from our Riverview office, just down the road.
Loan programs we offer in Valrico
- 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 Valrico
Valrico and nearby FishHawk and Lithia draw long-term renters looking for single-family homes and good access to Brandon and Tampa. HOA fees count as property expenses, so we build them in. 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 Valrico?
No. We're licensed throughout Florida and help borrowers statewide; Tampa Bay is our home base.
Can I buy a rental property in Valrico 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 Valrico, FL?
Call or text Chad at 813-495-9542, or apply online. Florida-wide broker; home base Tampa Bay.