Tampa, Florida Mortgage Broker
Tampa Home Loans — Expert Guidance in Florida's Gulf Coast Market
Tampa's real estate market is one of Florida's most active. Kristal Branscome delivers fast pre-approvals and access to 200+ lenders to help you buy, invest, or refinance with confidence.
Tampa Market Expertise
A Mortgage Broker Ready for Tampa's Market
Tampa Bay has emerged as one of Florida's most dynamic real estate markets — driven by corporate relocations, a growing tech and healthcare sector, and consistent in-migration from higher-cost states. From historic Hyde Park bungalows to new construction in Wesley Chapel to investment condos in downtown St. Pete, the market offers opportunity at every price point.
Kristal Branscome is licensed in Florida and brings the same thoroughness to Tampa buyers that she's delivered across 10 states. Whether you're a first-time buyer using Florida Assist down payment assistance, a veteran using your VA benefit, a self-employed buyer who needs a bank statement loan, or an investor looking at DSCR financing — Kristal has the programs and the experience to get you to closing.
Florida properties come with unique considerations — flood zone classifications, wind mitigation, and insurance costs that can significantly affect your monthly payment. Kristal factors all of this into your pre-approval so there are no surprises at closing.
Down Payment Assistance
Tampa Down Payment Assistance Programs
Several programs can help Tampa-area buyers reduce the upfront cost of homeownership.
Florida Housing's FL Assist program offers up to $10,000 in down payment assistance as a 0% interest, deferred second mortgage — no monthly payment until you sell, refinance, or pay off the first mortgage.
Offers up to $10,000 as a low-interest second mortgage with a 15-year repayment term — available statewide including Hillsborough and Pinellas counties.
Hillsborough County periodically offers local down payment assistance for buyers purchasing within the county. Income and purchase price limits apply.
Eligible veterans and active-duty military can purchase in Tampa with no down payment, no PMI, and competitive rates.
Neighborhoods Served
Serving Tampa Bay Area Buyers & Homeowners
Kristal is licensed statewide in Florida and regularly works with buyers across the Tampa Bay area:
Loan Programs
Tampa Loan Programs
Every Tampa buyer's situation is different. Kristal works with all major loan types:
Competitive rates for buyers with strong credit and 3–20% down — the most common loan type in Tampa.
3.5% down with flexible credit requirements — popular with first-time Tampa buyers.
$0 down for Tampa-area veterans and active-duty military.
Financing above conforming limits for higher-priced Tampa properties in Hyde Park, Davis Islands, and beyond.
Qualify on 12–24 months of deposits for Tampa's self-employed and business-owner buyers.
Qualify on rental income for Tampa investment properties — no personal income docs required.
Florida Housing programs with down payment assistance for eligible buyers.
Rate-and-term or cash-out refinance for existing Tampa homeowners.
Why Kristal
Why Tampa Buyers and Agents Choose Kristal
Licensed in Florida
Kristal is fully licensed in FL and brings the same thoroughness to Tampa buyers that she's delivered across 10 states.
200+ Lending Partners
As a broker, she shops your loan across 200+ lenders — not just one bank's rate sheet.
Florida-Specific Expertise
Flood zones, wind mitigation, and insurance costs are factored into every Tampa pre-approval — no surprises at closing.
Complex Scenarios Welcome
Self-employed, investor, VA, DSCR — Kristal handles the loans other lenders turn away.
Client Reviews
What Clients Say
“Kristal is an absolute ROCK STAR! Kristal was so thorough in her initial details of what she needed from us, we did not have to do anything extra. I can't recommend Kristal enough and this is the second time we have worked with her and it only continues to get better! Her expertise, knowledge and patience truly makes her the best in the business. 5 stars is not enough for Kristal and her team!”
Kaytie Younkin
Verified Google Review
“Kristal is one of the best! Not only was she able to get us exactly what we needed as far as our Mortgage payment and interest rate, she was ALWAYS available, extremely patient, helpful, knowledgeable and one of the nicest people we have ever had the pleasure of working with.”
Amy Pearcy
Verified Google Review
“Kristal is amazing! She's very helpful, knowledgeable, and understanding. Really great to work with and goes above and beyond. 10/10 recommend working with Kristal!”
Cassandra Holderman
Verified Google Review
FAQ
Tampa Mortgage Questions
Ready to Buy or Refinance in Tampa?
Get a free consultation with Kristal — no pressure, just answers.