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  1. United States
  2. Best Home Renovation Loan Companies
  3. Home Renovation Loan Companies in Florida
  4. Tampa

Best Home Renovation Loan Companies in Tampa

Tampa Home Renovation Loan Companies stats: Key insights from this page’s listings Updated
Businesses listed
8
Average rating
4.7 273 reviews
Typical service price
$300 – $500 Median of 1 priced service
Most-offered services
Mortgage ServicesRefinancing ServicesHome Loan ServicesLoan PrequalificationMortgage Rate Locking
What customers praise
recommend×65highly recommend×34great experience×9great service×9
Renovation loansTampa, FL

1

Planet Home Lending, LLC - Tampa

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.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Cash-Out Refinance Quoted per loan
View Profile
(866) 882-8187
Open 9:00 AM - 5:00 PM
3111 W Dr Martin Luther King Jr Blvd Ste 325,Tampa, FL 33607
General Services
Home Loan Services
2

American Mortgage Services, Inc.

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.

Services & Prices
Standard Prequalification Quoted per loan
Complex Prequalification Quoted per loan
Special Circumstances Prequalification Quoted per loan
30-Day Rate Lock Quoted per loan
View Profile
(813) 522-5947
Open 9:00 AM - 6:00 PM
1000 N Ashley Dr #1020, Tampa, FL 33602, USA
General Services
Loan Prequalification
3

Mortgage Approval Group, LLC

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(813) 255-2557
Open 9:00 AM - 7:00 PM
2918 Busch Lake Blvd Suite A, Tampa, FL 33614, USA
General Services
Mortgage Services
4

Scott Kepler Mortgage Team

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.

Services & Prices
Refinancing Services Quoted per loan
View Profile
(813) 444-8537
Open 9:00 AM - 8:00 PM
2918 Busch Lake Blvd A, Tampa, FL 33614, USA
General Services
Mortgage Services
5

Guaranteed Rate

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.

Services & Prices
Fixed-Rate Mortgage Quoted per loan
Adjustable-Rate Mortgage Quoted per loan
VA Loan Quoted per loan
Full Home Inspection $300 - $500
View Profile
(813) 574-2657
Open 9:00 AM - 5:00 PM
615 Channelside Dr Ste 207 Office 75,Tampa, FL 33602
General Services
Mortgage Services
Where they are 8 on the map Click a pin for the profile and directions
6

American Financial Network, Inc.

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(856) 942-4400
Open 8:00 AM - 5:00 PM
5331 Primrose Lake Cir suite 224, Tampa, FL 33647, USA
General Services
Home Loans
7

Limitless Mortgage

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.

Services & Prices
Mortgage Refinance Quoted per loan
Pre-Approval Loans Quoted per loan
Personalized Pre-Approval Letters Quoted per loan
View Profile
(813) 670-3279
Open 7:00 AM - 9:00 PM
601 S Harbour Island Blvd Ste 109,Tampa, FL 33602
General Services
Mortgage Services
8

Fred Cooper - CMG Home Loans Mortgage Loan Officer NMLS# 1208453

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.

View Profile
(813) 387-6923
Open 8:00 AM - 6:00 PM
4200 W Cypress St Suite 490, Tampa, FL 33607, USA

Tampa Home Improvement Loan Statistics

Home-improvement lending in Hillsborough County and home costs in Tampa, FL (latest HMDA and Census data)

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).

Home-improvement loans, 2025
2,592▼ 5%2,719 in 2024
Denial rate
42%FL 46%
Median year homes built
1985FL 1988
Median home value
$420,400FL $359,000
Home-purchase loans made (Hillsborough County, 2025)
17,344
Refinance loans made (2025)
7,371
Average home-improvement loan
$138,000 (FL $145,000)
Owners with a mortgage
64% · 31% of them spend 30%+ of income on housing
Median household income
$75,475 (FL $74,568)

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.

Tampa Home Renovation Loan Companies stats: 8 businesses compared side by side · updated
# 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

Frequently asked questions

7 questions
How do I choose the best home renovation loan company in Tampa?
Consider verified customer reviews, ratings, review volume, and if the business has claimed its profile. TrustAnalytica ranks based on these data-driven factors.
What services do top home renovation loan companies offer?
They provide loans for home improvements, including funding for remodeling, repairs, and upgrades, often with flexible terms and payment options.
What questions should I ask before hiring a home renovation loan company?
Ask about interest rates, loan terms, fees, approval time, and any prepayment penalties. Inquire about their experience with similar projects.
Are free consultations common with home renovation loan companies in Tampa?
Yes, many companies offer free consultations to discuss your needs and provide loan options without initial commitment.
How long does it take to get a home renovation loan in Florida?
The process typically takes 2-4 weeks, depending on the lender's requirements and the complexity of the loan application.
Do I need a home renovation loan company for my project?
If you require financing for significant home improvements or repairs, a loan company can provide structured financial solutions.
How do fees typically work for home renovation loans?
Fees may include origination fees, appraisal fees, and closing costs. These vary by lender and loan type.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 renovation loans list assembly and recognition by TrustAnalytica for Tampa is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing renovation loans companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 renovation loans category.

The Process

1

Business Verification

Verified renovation loans listings in Tampa are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive renovation loans profiles offer vital details for informed decisions in Tampa.

3

Reviews And Ratings

Real-time customer ratings guide our renovation loans rankings in Tampa, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top renovation loans providers in Tampa.

5

AI Search Visibility

Every renovation loans listing in Tampa is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.