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Now Lending in Tampa

Tampa home loans —
Tampa Bay living.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Tampa and Hillsborough County. From historic bungalows in Hyde Park to waterfront homes in South Tampa and new construction in New Tampa, we bring local guidance to Tampa Bay — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Tampa Bay
Hillsborough County Coverage
14 days*
Close In As Little As
$832,750
2026 Hillsborough County Conforming Limit
5.0 ★
Google Review Rating
Tampa Markets

Local lending across
every Tampa neighborhood.

Tampa Neighborhoods

Walkable historic districts, waterfront enclaves, and growing suburban communities.

  • Hyde Park & SoHo
  • South Tampa & Davis Islands
  • Westshore & Channelside
  • New Tampa & Westchase
Bay Area Momentum

A diversified economy spanning finance, healthcare, defense, and shipping.

  • Waterfront & condo financing
  • VA loans near MacDill AFB
  • Hillsborough County coverage
  • Minutes to TPA & downtown
Every Kind of Tampa Buyer

From first homes to move-up, waterfront, and investor purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • Jumbo financing for waterfront luxury
  • Investment & rental properties (DSCR)
Hyde ParkSouth TampaDavis IslandsWestshoreChannelsideNew TampaWestchaseSeminole HeightsBayshore
Loan Programs in Tampa

Financing for every
kind of Tampa buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Tampa homebuyers.

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VA Loans

0% down for Tampa's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Tampa's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Tampa investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Tampa's self-employed borrowers.

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FAQ

Tampa mortgage
questions answered.

We serve homebuyers and homeowners throughout Tampa and Hillsborough County, including Hyde Park, South Tampa, Davis Islands, Westshore, Channelside, and New Tampa, plus nearby Brandon and Riverview.
The 2026 conforming loan limit is $832,750 in Hillsborough County, including Tampa. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Tampa borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Tampa home journey?

Get pre-approved today — no cost, no obligation. Tampa borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825