Your Most Trusted Partner in Home Purchase Loans & Refinance Loans

NMLS # 1912387

Open Hours: Mon. - Fri., 9:00 a.m. - 6:00 p.m.
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Mortgage Broker Tampa, FL: Ebenezer Mortgage Solutions

Unlock your dream home with Ebenezer Mortgage Solutions, Tampa's premiere mortgage broker! Swift turnarounds, competitive rates, and local relevance. We know Tampa, FL and can make your homeownership dreams a reality.

Let Us Turn Your Dream Home Into A Reality

At Ebenezer Mortgage Solutions, we turn the American dream into addresses. Ready to turn your dream into reality?

Loan Options

Various loan programs in Tampa offer distinct advantages and considerations, enabling individuals to select the most suitable option for their specific situations. Below is a summary of the different loan choices available:

FHA Loans

FHA (Federal Housing Administration) loans are government-backed mortgages aimed at assisting homebuyers with adaptable credit requirements and minimal down payment alternatives. Particularly favored by first-time homebuyers and those who have encountered financial hurdles previously.


Down Payment: As low as 3.5%, facilitating easier homeownership.

Credit Score: Accepts applicants with lower credit scores.

Flexibility: Ideal for individuals with past credit issues like short sales or foreclosures.

Accessibility: Widens the path to homeownership for a diverse range of individuals.

VA Loans

VA (Department of Veterans Affairs) loans are tailored to offer mortgage solutions for veterans, current service members, and eligible surviving spouses. These loans offer unique benefits, including competitive interest rates, zero down payment requirements, and exemption from private mortgage insurance (PMI).


Eligibility: Exclusive to veterans, service members, and eligible surviving spouses.

Financing: 100% financing, eliminating the need for a down payment.

Rates: Generally lower than conventional loans.

No PMI: No requirement for private mortgage insurance.

USDA Loans

USDA (United States Department of Agriculture) loans are designed to aid low to moderate-income individuals in purchasing homes in rural regions. These loans promote homeownership in specified rural areas and provide full financing.


Location: Limited to eligible rural properties. 100%

Financing: Offers complete financing, removing the necessity for a down payment.

Credit Score: Requires a minimum credit score, usually around 620.

Affordable Housing: Aims to make homeownership feasible for rural families.

Conventional Loans

Conventional loans, unlike government-backed options, are provided by private lenders. Although they have stringent criteria, they can be more economical for borrowers with strong credit and financial stability. Popular among those who meet the stricter qualification standards.


Down Payment: Typically requires a down payment ranging from 3% to 5%.

Credit Score: Requires a higher credit score compared to FHA or VA loans.

Flexibility: Offers various terms and fixed payment choices.

Affordability: Often more cost-effective for borrowers with robust financial profiles.

Jumbo Loans

Jumbo loans cater to individuals looking to finance high-value properties that surpass conventional loan limits. Despite having stricter lending criteria, these loans allow purchasing luxury homes with a lower down payment than commonly assumed.


Property Value: Intended for luxury homes exceeding conforming loan limits.

Down Payment: Requires a down payment of 5% to 10%, contrary to the misconception of a 20% requirement.

Creative Financing: Often involves a combination of a first mortgage at the conventional loan limit and a second mortgage.

No Mortgage Insurance: Avoids the necessity for mortgage insurance, resulting in lower fixed payments.

Non-Conforming Loans

Non-conforming loans fail to meet the standard criteria set by government-sponsored enterprises like Fannie Mae and Freddie Mac. Suited for borrowers seeking larger loan amounts or those with unique financial circumstances.


Loan Amount: Exceeds the limits set by Fannie Mae and Freddie Mac.

Customization: Offers flexibility for borrowers with specific financial situations.

Unique Circumstances: Ideal for individuals with non-traditional income sources or those seeking larger loans.

Tailored Solutions: Mortgage lenders may provide customized terms based on the borrower's unique requirements.

Our Mortgage Process

We understand that turning your dream into reality requires clarity, efficiency, and expert guidance. That’s why at Ebenezer Mortgage Solutions, we make sure that navigating the path to homeownership is a seamless journey designed to empower you at every stage. Here's a glimpse into how we make the home-buying process in Tampa, FL, smooth and stress-free:

Loan Application

Embark on your homeownership journey by completing our user-friendly online mortgage loan application. Our intuitive platform simplifies the process, allowing you to provide essential information securely and efficiently. Should you have any questions or need assistance, our experienced team is just a phone call away.

Personal information.

Loan Consultation / Prequalification

Once your application is received, our mortgage experts will conduct a thorough analysis to prequalify you for a loan. This step involves a detailed consultation where we discuss your financial goals, assess your creditworthiness, and explore suitable mortgage options. Getting pre-qualified sets the foundation for a tailored approach that aligns with your aspirations.

Pre-qualification letter.

Home Shopping

Armed with a prequalification, you're ready to embark on the exciting journey of home shopping. Our team remains actively engaged, providing guidance and support as you explore potential properties. Having a clear understanding of your budget allows you to make informed decisions, ensuring a smooth and enjoyable home buying experience.

Sales contract.

Loan Processing

Once you've found your dream home, the loan processing phase begins. Our dedicated team works diligently to gather and review all necessary documentation, facilitating a swift and efficient processing timeline. Regular updates and clear communication ensure you are informed and confident throughout this crucial stage.



An appraisal is a vital step in determining the fair market value of your chosen property. Third-party appraisers conduct a thorough assessment, providing an accurate valuation that safeguards your investment. We coordinate this process seamlessly, keeping you informed of progress and addressing any concerns that may arise.

Appraisal evaluation.


The underwriting phase involves a comprehensive review of your loan application. The underwriter will carefully assess the documentation, ensuring compliance with mortgage industry standards and guidelines. Clear communication is maintained to address any additional requirements promptly, paving the way for a smooth transition to the closing phase.

Clear to Close


Congratulations! You've reached the final stage—closing on your new home. Our team orchestrates this process with precision, ensuring all necessary documents are prepared and executed. We prioritize a transparent and efficient closing, allowing you to officially take ownership of your property and embark on the next chapter of homeownership.

Closing Disclosure,

Why Choose Ebenezer Mortgage Solutions?

At Ebenezer Mortgage Solutions, we pride ourselves on being more than just a mortgage broker – we are your partners in turning homeownership dreams into reality. Here's what sets us apart from other Tampa mortgage brokers whether it's your first home or you've done this before:

Elite Service

Our mortgage team provides unparalleled expertise of a Tampa broker, delivering elite service to ensure a smooth and informed journey toward homeownership. Your dream home deserves nothing less.

Access to Multiple Lenders

Ebenezer Mortgage Solutions works with multiple mortgage lenders. This flexibility allows us to explore a variety of loan products, ensuring that homebuyers get the most competitive mortgage rates and favorable terms available in the market. Our commitment is to find the best mortgage lender for your unique financial situation.

Quick Turnaround Times

Time is a critical factor in securing your dream home. With Ebenezer Mortgage Solutions, in Tampa, expect a swift and efficient process from application to closing, expediting your path to homeownership.


Navigating the mortgage process should be seamless. Our user-friendly tools and expert assistance simplify the journey, offering convenience and clarity every step of the way. Your experience is our priority. We are also located in Tampa!

Low-Interest Rates

Affordability is key. We are committed to providing competitive and low interest rates, making your dream home not just a reality but an economically sensible one.

Diverse Loan Options

Ebenezer Mortgage Solutions offers a wide array of loan options, including Conventional mortgages, FHA loans, VA loans, USDA loans, and even Jumbo loans.


Whether you're looking for a traditional mortgage, a government-backed loan, or a specialized program in the Tampa Bay area, we have the expertise to guide you through the options and find the loan that best suits your mortgage needs.


Trust is the cornerstone of our relationship. At Ebenezer, transparency is non-negotiable. From the initial application to the closing table, we keep you informed, answer your questions, and build a partnership based on trust.

Local Relevance

As your Tampa-based experts, we understand the unique dynamics of the local market. Our solutions are tailored to meet your specific needs, ensuring your mortgage experience is not only efficient but also relevant to the distinctive characteristics of Tampa, FL.

Getting a Mortgage in Tampa, FL

Navigating the mortgage landscape in Tampa, Florida, is made easy with Ebenezer Mortgage Solutions. Whether you're a first-time homebuyer or looking to refinance, our tailored solutions are designed to fit your unique needs.

How to Buy or Refinance a Home

Buying a Home

Start by defining your budget, gaining a clear understanding of your financial situation. Our seasoned mortgage experts will guide you through various loan programs, ensuring you choose one that aligns seamlessly with your homeownership goals.

Once your budget is established, partner with a trusted realtor to explore homes that match your preferences in terms of location, size, and amenities. When you find the perfect home, our team facilitates the offer and closing processes, ensuring a smooth, secure transition to homeownership.


Mortgage refinance is when you replace your existing mortgage with a new one which often has better rates or terms. Refinancing your home involves careful consideration of your goals. Whether it's lowering your interest rate or tapping into home equity, our experts will assess the best refinancing options tailored to your financial situation.

Make sure your credit is in good standing, submit a refinancing application, and let our team guide you through the necessary steps. After you approve it, we initiate the closing process, helping you achieve your refinancing goals with precision and efficiency.

How to Get a Pre-Approval

Getting pre-approved is a pivotal step, offering you a competitive advantage in the fast-paced Tampa real estate market. Begin by gathering essential financial documents, including income statements, tax returns, and employment verification. Submit a pre-approval application, and our team at Ebenezer Mortgage Solutions ensures a swift and efficient process. 

A credit check is conducted to assess your creditworthiness and determine the qualifying loan amount. Once approved, you'll receive a pre-approval letter detailing the home loan amount, empowering you to confidently explore homes within your budget. With your pre-approval in hand, start the exciting journey of house hunting, knowing you have a strong foundation for negotiation and decision-making.  At Ebenezer Mortgage Solutions, our commitment is to guide you through the entire process, providing expertise and personalized support to make your journey to homeownership in Tampa, FL, not just successful but also enjoyable.

Your Expert Tampa Mortgage Company

Unlock your dream home with Ebenezer Mortgage Solutions—your expert Tampa mortgage company! Local expertise, personalized service, and a commitment to excellence. Whether you're a first-time homebuyer or refinancing, trust us to guide you seamlessly through your homeownership journey. Your dream home is closer than you think. Choose Ebenezer Mortgage Solutions today!

Get in Touch

Ready to start your homeownership journey or have questions? Contact Ebenezer Mortgage Solutions at (813) 284 - 4027 or visit us at 4021 W Waters Ave Suite A, Tampa, FL 33614.

What Our Customers Say

Here's what some of our valued customers have to say about their experience with Ebenezer Mortgage Solutions and our mortgage brokers:
“They are professionals who explained the process and got back to me in a timely manner. Highly recommended!”

Michael Smith

“They work like ants with giant results. They are always looking out for everything to come out quickly and smoothly. They are very attentive and always willing to clear up any doubts, making this process feel less for us the clients. We thank everyone, especially Grisey for all the encouragement and help he has given us. Thank you very much.”

Ponce-Garcia Family

Get Pre-Approved
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