Mortgage Broker Tampa FL

Tampa is one of the fastest-growing real estate markets in Florida, and one of the most competitive for buyers. Lena Polnet is a licensed Florida mortgage broker with 28+ years of experience helping Tampa Bay area buyers, veterans, and investors navigate Hillsborough County’s housing market. Licensed in both Pennsylvania and Florida, Lena offers direct access to FHA, VA, conventional, DSCR, and jumbo loan programs. Call (215) 364-7171 to get started.

From South Tampa’s waterfront neighborhoods to the fast-developing suburbs of Westchase, New Tampa, and Brandon, the Tampa market rewards buyers who come pre-approved and move fast. Lena works with buyers at every stage, first purchase, investment property, or refinance, with the speed and expertise Tampa’s market demands.

Home Loans in Tampa FL

Tampa’s diverse buyer pool requires a wide range of mortgage solutions. Hillsborough County attracts military families from MacDill Air Force Base, young professionals relocating for work, investors seeking rental income, and retirees downsizing to warmer climates.

• VA Loans: MacDill Air Force Base is located directly in Tampa, making VA loans one of the most important products in the local market. Lena is experienced with VA purchase and refinance loans, zero down payment, no private mortgage insurance, competitive rates for eligible active-duty servicemembers, veterans, and surviving spouses.
• Conventional Loans: 3 to 20% down options for primary residences, second homes, and investment properties throughout Hillsborough County. Fixed and adjustable rate options available.
• FHA Loans: 3.5% down with flexible credit requirements, a strong option for first-time buyers entering Tampa’s competitive market.
• DSCR Loans: Tampa’s rental market is strong. DSCR investor loans qualify on property rental income, not your personal W-2 or tax returns. Ideal for Ybor City flips, South Tampa rentals, and multi-family acquisitions.
• Jumbo Loans: For luxury purchases in Hyde Park, Davis Islands, and other high-value Tampa neighborhoods that exceed conforming loan limits.

Real Estate Investors in Tampa FL

Tampa’s population growth and job market expansion have made it a top-tier real estate investment market. Long-term rental demand is strong across all Hillsborough County submarkets, and short-term rentals continue to perform well in tourist-adjacent neighborhoods and near Raymond James Stadium and the Convention Center.

• DSCR Qualification: No personal income documentation required. Lena qualifies your loan on the subject property’s rental income, market rent analysis, AirDNA projections, or existing lease agreements.
• LLC Vesting: Hold your investment property in a business entity. DSCR programs allow LLC or corporate vesting at closing without triggering due-on-sale provisions.
• Cash-Out Refinance: Access equity in existing Tampa investment properties to fund additional acquisitions or improvements.
• Multi-Family Financing: 2 to 4 unit properties in Tampa qualify for DSCR, FHA (owner-occupied), and conventional investor programs.

Florida First-Time Homebuyer Programs

First-time buyers in Tampa and Hillsborough County can access state-funded assistance through the Florida Housing Finance Corporation.

• Florida Housing Finance Corporation: Below-market 30-year fixed-rate mortgages for income-qualifying borrowers throughout Florida.
• FL Assist Second Mortgage: Up to $10,000 in down payment assistance at 0% interest, deferred, no monthly payments until the property is sold or refinanced.
• HFA Preferred and HFA Advantage: Conventional loan programs paired with reduced mortgage insurance premiums and down payment assistance grants.
• Homebuyer Education: Required for most Florida Housing assistance programs. Lena can guide you to USHUD-approved course providers in Tampa.

Income limits and purchase price caps apply by county. Lena reviews your complete financial picture before recommending an assistance program.

Frequently Asked Questions, Mortgage Broker Tampa FL

Do VA loans work for Tampa homes near MacDill Air Force Base?

Absolutely. MacDill AFB is one of the largest military installations in Florida, and VA loans are widely used throughout South Tampa and the surrounding area. Lena handles VA purchase loans with zero down payment, no PMI, and competitive rates for eligible servicemembers, veterans, and surviving spouses. She can complete a Certificate of Eligibility check as part of your pre-approval.

Is Tampa a good market for rental property investment?

Tampa ranks consistently in the top 10 U.S. markets for rental demand. Population growth, a diversifying job market, and a strong tourism economy support both long-term and short-term rental strategies. DSCR loans make it easier to finance Tampa investment properties without W-2 income documentation.

What is the conforming loan limit in Hillsborough County?

The 2025 conforming loan limit for a single-family home in Hillsborough County is $806,500. Properties above this threshold require jumbo financing. Lena offers jumbo loan programs for high-value Tampa purchases with competitive rates and flexible underwriting.

Get Pre-Approved, Tampa FL Mortgage Broker

Lena Polnet is licensed in Florida and Pennsylvania, with 28+ years of mortgage experience and deep knowledge of the Tampa Bay real estate market. From VA loans for MacDill personnel to DSCR investor financing and first-time buyer programs, Lena has the tools to close your loan.

Call (215) 364-7171 or visit dynamicfunding.net to begin your Tampa mortgage pre-approval today.

Dynamic Funding Solutions | Lena Polnet, NMLS #17225 | Company NMLS #17144 | Licensed in PA and FL | (215) 364-7171 | This is not a commitment to lend. All loans subject to credit approval, income verification, and property eligibility. Programs and rates subject to change without notice.