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  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. Tampa
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Tampa, FL

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

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Tampa

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

The Orlicki Group - Mortgage Broker

Verified

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.

Services & Prices
Conventional Loans $0
FHA Loans $0
VA Loans $0
Jumbo Loans $0
View Profile
(813) 302-1616
Open 9:00 AM - 6:00 PM
401 E Jackson St Suite 2340, Tampa, FL 33602, USA
General Services
Mortgage Broker Services
2

Jen Martinez at CrossCountry Mortgage

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.

View Profile
(813) 480-4747
Open 8:00 AM - 7:00 PM
5601 Mariner St, Tampa, FL 33609
3

Fairway Independent Mortgage Corporation

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.

View Profile
(813) 857-5344
Open 8:00 AM - 6:00 PM
4107 N Himes Ave Suite 2B, Tampa, FL 33607
4

Lennar Mortgage, LLC Tampa

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.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
Pre-approval Quoted per loan
Home Equity Loan Quoted per loan
View Profile
(813) 402-5880
Open 8:30 AM - 5:30 PM
4301 W Boy Scout Blvd #690, Tampa, FL 33607
General Services
Mortgage Services
5

Bliss Mortgage LLC

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.

Services & Prices
Credit Score Assessment Quoted per loan
Debt-to-Income Calculation Quoted per loan
Credit Improvement Strategies Quoted per loan
Cash-Out Refinancing Analysis Quoted per loan
View Profile
(813) 966-1888
Open 8:00 AM - 8:00 PM
5322 Primrose Lake Cir A, Tampa, FL 33647
General Services
Credit Analysis
Where they are 10 on the map Click a pin for the profile and directions
6

Simons & Leoni Home Loans

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.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(813) 258-6767
Open 8:30 AM - 5:30 PM
701 N Westshore Blvd Ste 284, Tampa, FL 33609
General Services
Mortgage Services
7

BlueGrey Mortgage - Tampa

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.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(813) 822-4808
Open 00:00 - 23:59
5201 W Kennedy Blvd #714, Tampa, FL 33609, USA
General Services
Mortgage Brokerage
8

Jonathan F. Howard - Howard Team Home Loans

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(813) 586-0818
Open 8:00 AM - 9:00 PM
201 E Davis Blvd Unit 11, Tampa, FL 33606
General Services
Mortgage Services
9

Marx Mortgage Group - Tampa

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.

Services & Prices
Refinancing Services Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(813) 291-0979
Open 9:00 AM - 6:00 PM
5601 Mariner St Unit 230, Tampa, FL 33609
General Services
Mortgage Services
10

Ebenezer Mortgage Solutions

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.

Services & Prices
Pre-Approval Services Quoted per loan
Interest Rate Counseling Quoted per loan
View Profile
(813) 284-4027
Open 9:00 AM - 6:00 PM
3638 W Cypress St, Tampa, FL 33607
General Services
Mortgage Financing

Tampa Mortgage Statistics

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

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).

Home-purchase loans, 2025
17,344▼ 3%17,858 in 2024
Denial rate
15%FL 17%
Median home value
$420,400FL $359,000
Monthly cost with a mortgage
$2,179median · FL $1,959
Refinance loans made (Hillsborough County, 2025)
7,371 · 6,201 in 2024
Home-improvement loans made (2025)
2,592
Average home-purchase loan
$428,000 (FL $416,000)
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 Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Tampa mortgage affordability calculator works

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.

Florida rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, interest rate, and first-time buyer status.
What is the debt-to-income ratio for mortgages in Florida?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income.
How much down payment is needed for a Tampa home?
First-time buyers need at least 3% on conventional loans or 3.5% on FHA loans; VA and USDA loans may allow 0% down.
Does PMI affect how much house I can afford?
Yes, PMI is added if your down payment is under 20% on conventional loans, roughly 0.6% of the loan annually.
How do interest rates affect mortgage affordability?
Higher interest rates increase monthly payments, reducing the maximum home price you can afford.
How do debts impact my mortgage qualification?
Higher monthly debts reduce the amount you can borrow, as lenders consider total debt payments.
What are property taxes like in Florida?
Florida's property tax is about 0.76% of the home's value annually for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, while pre-qualification is an initial estimate.
How can a mortgage broker help me in Tampa?
A mortgage broker can guide you through the mortgage process and connect you with lenders.

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