Planet Home Lending specializes in FHA-approved 203(k) renovation loans, helping homeowners finance repairs and remodels without moving. The team offers refinance options and is appreciated for honest, straightforward communication, though some clients note delays and occasional difficulties with account management during the loan process.
Specializing in renovation loans and programs for low-credit and self-employed buyers, American Mortgage Services offers a variety of mortgage options with fewer restrictions than traditional lenders. Their team is known for clear communication and steady updates throughout the loan process. Some customers note the process can be detailed, but the staff’s support helps ease the experience.
With over 20 years of experience, Mortgage Approval Group, LLC specializes in refinance, purchase, and renovation mortgages. The team uses industry technology to provide personalized attention and clear communication, helping clients navigate their unique financial goals. While many find the process smooth and supportive, some have noted occasional challenges with responsiveness.
Specializing in renovation home loans, the Scott Kepler Mortgage Team helps buyers and investors finance both structural and cosmetic property improvements. They offer a range of loan options including VA, FHA, conventional, and jumbo loans, with an easy online application process. Customers appreciate their clear communication and responsiveness throughout the mortgage journey.
Known for handling renovation loans that combine financing with upgrade costs, Guaranteed Rate offers mortgage services tailored to primary, second, and investment homes. Customers appreciate the team’s responsiveness and clear communication, though some note occasional missteps and delays during the process.
American Financial Network, Inc. specializes in renovation loans that help homeowners finance both their purchase and home improvements in a single transaction. The team offers a range of mortgage products, including Fannie Mae, Freddie Mac, USDA, and VA loans, with a focus on customer service and streamlined processes. While many clients appreciate their responsiveness and support, some have… more...
American Financial Network, Inc. specializes in renovation loans that help homeowners finance both their purchase and home improvements in a single transaction. The team offers a range of mortgage products, including Fannie Mae, Freddie Mac, USDA, and VA loans, with a focus on customer service and streamlined processes. While many clients appreciate their responsiveness and support, some have noted challenges with communication and loan processing delays.
Specializing in renovation loans for entrepreneurs, Limitless Mortgage offers the Fannie Mae HomeStyle Renovation Loan, which combines home purchase or refinance with funds for repairs or upgrades. The team is known for clear communication and flexible scheduling, though some clients note the process can require detailed documentation.
Specializing in FHA203(k) Renovation Loans, CMG Home Loans helps homeowners combine purchase or refinance costs with home improvements into a single mortgage. The team offers clear guidance throughout the loan process, with clients appreciating their communication and support, even when challenges arise.
Lenders made 2,592 home-improvement loans in Hillsborough County in 2025 (average about $138,000) and denied 1,856 — 42% of decided applications, compared with 46% across Florida, according to federal mortgage data (HMDA, CFPB). The typical home in Tampa was built in 1985 and is worth $420,400 (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Hillsborough County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Planet Home Lending, LLC - Tampa | 4.7 | 101 | Quoted per loan | (866) 882-8187 | Visit |
| 2 | American Mortgage Services, Inc. | 4.6 | 43 | Quoted per loan | (813) 522-5947 | Visit |
| 3 | Mortgage Approval Group, LLC | 4.7 | 39 | Quoted per loan | (813) 255-2557 | Visit |
| 4 | Scott Kepler Mortgage Team | 5.0 | 27 | Quoted per loan | (813) 444-8537 | Visit |
| 5 | Guaranteed Rate | 4.0 | 29 | $75 | (813) 574-2657 | Visit |
| 6 | American Financial Network, Inc. | 4.5 | 20 | Quoted per loan | (856) 942-4400 | Visit |
| 7 | Limitless Mortgage | 5.0 | 7 | Quoted per loan | (813) 670-3279 | Visit |
| 8 | Fred Cooper - CMG Home Loans Mortgage Loan Officer NMLS# 1208453 | 5.0 | 7 | — | (813) 387-6923 | Visit |
General information, not financial advice — consult a qualified professional.
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