Tampa Mortgage Broker — Personalized Home Loans & Fast Approvals
Shop FHA loans in Tampa, VA loan programs, USDA loans, conventional, and mortgage refinancing options with a local team that tailors your rate and term to your budget and timeline.
Why Homebuyers Across Florida Trust Ebenezer Mortgage Solutions
Local Knowledge and Durability
With deep familiarity with Tampa climate, we recommend durable materials like metal and asphalt shingles to protect your roof from Florida’s sun, rain, and humidity, reducing repairs and extending its life.
Expertise in Regulations
We understand Tampa’s building codes, so we handle all paperwork and ensure your project is completed smoothly, on time, and without unexpected delays.
Trusted Reputation
As a BBB-accredited, A+ rated business, we’re known for quality roofing and customer satisfaction, giving you confidence in our reliable craftsmanship and service.
What Our Clients Are Saying
Why Work with a Local Mortgage Broker in Tampa
- Personalized options: We shop multiple lenders so you get the best mortgage option for your needs.
- Transparent payments: Our loan officers walk you through rate, APR, taxes, and insurance so you know exactly how much your home loan will cost.
- Local expertise: We understand Tampa’s underwriting expectations, appraisal standards, and closing timelines.}
- End-to-end support: From pre-approval to final funding, we’re with you every step of the way.
Loan Type Comparison
| Loan Type | Minimum Down Payment | Typical Credit Score | Key Benefits | Best For |
|---|---|---|---|---|
| FHA Loan | 3.5% | 580+ | Low down payment, flexible approvals | First-time buyers |
| VA Loan | 0% | Flexible | No down payment, no PMI, competitive rates | Veterans & military families |
| USDA Loan | 0% | 640+ | No down payment, rural eligibility | Budget-focused families |
| Conventional Loan | 3–5% (sometimes 20%) | 620+ | Flexible terms, faster equity growth | Buyers with stronger credit |
Learn More About Tampa Home Financing
Refinancing & Debt Consolidation in Tampa
Example Savings
A Tampa homeowner refinancing from 6.5% to 5.5% on a $250,000 home loan could save about $200 per month — money that families in Carrollwood or Westchase often redirect to taxes, savings, or repairs.
Long-Term Benefits
By rolling multiple debts into a single home loan, Tampa homeowners can simplify payments, lower their overall interest rate, and protect long-term equity growth.
Refinancing & Debt Consolidation Benefits
| Refinance Option | What It Does | Key Advantage | Example Scenario |
|---|---|---|---|
| Rate-and-Term | Lowers interest rate or shortens loan term | Reduces monthly payment or helps pay off faster | Tampa homeowner refinancing from 6.5% → 5.5% |
| Cash-Out Refinance | Turns equity into cash | Use funds for home upgrades, education, or medical bills | Family renovating their Seminole Heights home |
| Debt Consolidation | Combines high-interest debt into one loan | Simplifies bills, lowers monthly costs | Replacing credit card debt with a single lower-rate mortgage payment |
Proudly Serving Homebuyers Across Florida
Frequently Asked Questions
About Ebenezer Mortgage Solutions
At Ebenezer Mortgage Solutions, our mission is simple: make the mortgage process clear, transparent, and stress-free. Whether you’re comparing home loans, exploring refinancing, or working toward your first down payment, our Tampa team is here to help you find the right loan option.
We don’t just process applications — our licensed loan officers take the time to explain how interest rates, equity, and repayment terms impact your financial future. From conventional loans and VA loans to FHA, USDA, and debt consolidation strategies, we’ll walk you through the pros and cons so you can make the best decision with confidence.
Meet Our team
Yuleisy Gonzalez Alvarez
CEO. Mortgage Loan Originator
NMLS # 1507766
