How much house can you afford in Tampa? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
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| After | Paid in total | Still owed |
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The Orlicki Group - Mortgage BrokerPremium
5.0 · 492 reviews · Free pre-approval
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Jen Martinez at CrossCountry Mortgage
5.0 · 608 reviews · Free pre-approval
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Fairway Independent Mortgage Corporation
5.0 · 583 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
The Orlicki Group focuses on creating a mortgage experience that feels personal and supportive, moving away from the typical "big bank" approach. Their team handles a range of loans—from Conventional and VA to Jumbo and Reverse Mortgages—while maintaining clear communication and responsiveness. Customers appreciate their organized, proactive service and the ease of working through complex… more...
The Orlicki Group focuses on creating a mortgage experience that feels personal and supportive, moving away from the typical "big bank" approach. Their team handles a range of loans—from Conventional and VA to Jumbo and Reverse Mortgages—while maintaining clear communication and responsiveness. Customers appreciate their organized, proactive service and the ease of working through complex processes.
CrossCountry Mortgage is known for its personalized guidance and extensive mortgage options, including FHA, VA, conventional, and jumbo loans. The team works closely with clients to simplify the home financing process, often stepping in when others can’t. Customers appreciate their responsiveness, professionalism, and clear communication throughout the loan journey.
Fairway Independent Mortgage Corporation specializes in guiding clients through home financing with a range of loan options for buying, building, or refinancing. The team focuses on clear communication and competitive rates, helping borrowers navigate complex situations with personalized support. Customers appreciate their responsiveness, though some transactions can involve detailed coordination.
With over 50 years of experience specializing in financing new construction homes, Lennar Mortgage offers tailored loan options closely linked to the Lennar family of builders. Their team provides clear guidance throughout the mortgage process, helping buyers navigate challenges and stay informed. Customers appreciate the straightforward communication and smooth experience, though some note the… more...
With over 50 years of experience specializing in financing new construction homes, Lennar Mortgage offers tailored loan options closely linked to the Lennar family of builders. Their team provides clear guidance throughout the mortgage process, helping buyers navigate challenges and stay informed. Customers appreciate the straightforward communication and smooth experience, though some note the process can involve detailed steps.
Known for offering some of the lowest mortgage rates nationwide, Bliss Mortgage LLC focuses on making the loan process simple and transparent. Their team assists with FHA, VA, conventional, jumbo loans, and refinancing, guiding first-time buyers and seasoned homeowners alike. Clients appreciate the clear communication and smooth, timely closings throughout the experience.
Simons & Leoni Home Loans focuses on delivering a personalized mortgage experience with competitive rates and a highly organized team. They assist with home purchase loans, refinancing, and provide tools like pre-approval letters and refinance analysis. Customers appreciate their fast, clear communication and smooth, efficient process, though some note the need to stay on top of documentation.
BlueGrey Mortgage is known for its patient and communicative approach, guiding clients through the home loan process with clear explanations and consistent updates. The team helps buyers find mortgage options suited to their unique situations, and customers often appreciate their responsiveness and personal care throughout the experience.
Howard Team Home Loans specializes in navigating complex mortgage situations, including those for self-employed clients. The team offers responsive support throughout the loan process, helping customers secure favorable terms and timely closings. Clients appreciate their clear communication and ability to handle paperwork efficiently, even under tight deadlines.
Marx Mortgage Group specializes in guiding clients through smooth, well-executed home financing experiences, often praised for clear communication and responsiveness. Their team offers a range of mortgage products, including purchase, refinance, and construction loans, with a focus on making complex processes easier. Some clients note the process can feel detailed, but appreciate the thoroughness.
Known for guiding clients clearly through each step, Ebenezer Mortgage Solutions helps make home financing more understandable and manageable. The team offers mortgage brokerage services with attentive communication and responsiveness, though some customers note the process can still feel lengthy. Their honest approach and steady support are frequently appreciated.
Lenders made 17,344 home-purchase loans in Hillsborough County in 2025 (average about $428,000) and denied 3,055 — 15% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Tampa, the median home is worth $420,400 and 64% of owners have a mortgage, paying a median $2,179 a month (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 | The Orlicki Group - Mortgage Broker | 5.0 | 492 | — | (813) 302-1616 | Visit |
| 2 | Jen Martinez at CrossCountry Mortgage | 5.0 | 608 | — | (813) 480-4747 | Visit |
| 3 | Fairway Independent Mortgage Corporation | 5.0 | 583 | — | (813) 857-5344 | Visit |
| 4 | Lennar Mortgage, LLC Tampa | 4.8 | 477 | Quoted per loan | (813) 402-5880 | Visit |
| 5 | Bliss Mortgage LLC | 5.0 | 309 | Quoted per loan | (813) 966-1888 | Visit |
| 6 | Simons & Leoni Home Loans | 5.0 | 264 | Quoted per loan | (813) 258-6767 | Visit |
| 7 | BlueGrey Mortgage - Tampa | 5.0 | 251 | Quoted per loan | (813) 822-4808 | Visit |
| 8 | Jonathan F. Howard - Howard Team Home Loans | 5.0 | 241 | Quoted per loan | (813) 586-0818 | Visit |
| 9 | Marx Mortgage Group - Tampa | 4.9 | 206 | Quoted per loan | (813) 291-0979 | Visit |
| 10 | Ebenezer Mortgage Solutions | 4.7 | 160 | Quoted per loan | (813) 284-4027 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.