FHA loans in Tampa:
sunshine and opportunity for your family
One of Florida's fastest growing markets. Tampa Bay attracts young families, healthcare professionals and retirees seeking quality of life without state taxes. Loans up to $524K.
2026
metro area
in Tampa Bay
guaranteed
Where growthfeels.
Tampa Bay combines beaches, growing employment and an affordable cost of living. The Cuban and Puerto Rican community is well established, and the housing market remains affordable for middle-income families.
Options foryour situation
There is no single path to homeownership. We have programs for the self-employed, ITIN, limited credit history and more.
FHA Standard
More in demandThe most affordable program on the market. Down payment from 3.5% and accept family gift as part of the down payment. We work with your credit profile.
- Down payment from 3.5%.
- Profile All types of history
- Limit FL $524,225
- MIP 0.55% p.a.
FHA Without Taxes
E&E onlyFor people with formal employment who do not file traditional tax returns. We verify your employment directly with your employer - we only ask for your title and time worked.
- Verification Call to the employer
- Profile We work with you
- Ideal for Employees without formal declaration
- Down payment from 3.5%.
ITIN / TwoRiver
AccessibleDon't have a social security number? With ITIN you can buy a home. We accept alternative credit history - rent, utility, cell phone payments.
- Documents ITIN + alternative history
- Down payment from 3.5%.
- History 12 months of verified rent
- SSN Not required
Non-QM / Alternative Credit
For allFor freelancers, contractors and entrepreneurs who do not qualify through traditional channels. No traditional payroll (W-2), no tax returns - we use bank statements, P&L or investment property flow-through.
- Documents Account statements, P&L, 1099, DSCR
- Profile We evaluate your case
- DTI up to 55%.
- To 2.5M - 1-4 units
Tampa Bay.
Your nextroot.
Tampa - St. Petersburg - Clearwater FHA - Conventional - ITIN
Quality of life, no state taxes and an established Hispanic community. We always look for the right program for your situation - and we don't stop until we find it.
- No mandatory SSN
- Solution always, without giving up
- In your language
- We accompany you in everything
Everything you needknow in Tampa
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Yes, we evaluate each case individually. If your credit history is limited, we help you strengthen it. We have programs that consider alternative payments.
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With FHA the down payment is from3.5%. We evaluate your situation and help you explore all the options available in the Tampa Bay area.
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We operate inthe entire Tampa Bay area: Tampa, St. Petersburg, Clearwater, Brandon, Riverview and Plant City. We have local advisors in your language.
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Yes. We offer FHA, ITIN, and programs for foreigners. Tampa is a diverse market and we have options for different profiles. We accompany you throughout the entire process.