• Scott Kepler

    NMLS #833792

    (813) 444-8537

    scott@scottkepler.com

  • Experience the difference

    As a true mortgage professional, we strive to assist families with making sound financial decisions. Experience the difference with the Mortgage Coach Experience!

    Stop Renting!

    Did you know that a $1,500 per month in rent equates to roughly the same as a $250,000 mortgage? It's time to learn about your options and find out how much buying power you actually have! It might surprise you... Contact us today for a FREE Consultation!

    Stop Paying Rent

    Custom Tailored Mortgage Plans

    Whether you're a first time home buyer, upgrading for your growing family, wanting to buy a vacation home or are adding to your investment property portfolio we're here to help! We understand that every person's situation is unique and one size does not fit all. Let our professional mortgage team custom tailor a mortgage plan to help accomplish your short and long term goals. Apply Now! We'll have an answer to you in less than 24 hours (but usually the same day).

    I'm Ready To Apply

  • What Our Clients Say About Us

    He is reliable and dependable.

    I can't say enough about Scott's service! He handled our loan quick and efficiently. I would recommend him to anyone looking to finance a home. He is reliable and dependable. He even came to our closing to ensure that went smoothly! Kudos Scott!

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T18:19:41-04:00
    I can't say enough about Scott's service! He handled our loan quick and efficiently. I would recommend him to anyone looking to finance a home. He is reliable and dependable. He even came to our closing to ensure that went smoothly! Kudos Scott!

    Highly Recommend – Super Easy Transaction

    I am a self employed real estate agent and Scott Kepler did an outstanding job handling my personal transaction. He made the process stress free and did a great job with my loan terms and with expectations. He and his team communicated with very well and I have already referred him to a few people!!

    Steve from Saint Petersburg, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:56:33-04:00

    Steve from Saint Petersburg, FL

    I am a self employed real estate agent and Scott Kepler did an outstanding job handling my personal transaction. He made the process stress free and did a great job with my loan terms and with expectations. He and his team communicated with very well and I have already referred him to a few people!!

    THE BEST OF TAMPA BAY for a Refinance

    THE BEST OF TAMPA BAY! Scott is the real deal and has helped my wife and I, our children, and numerous friends and family members over the years purchase new homes or refinance. THANK YOU SCOTT! --Ed

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:10:11-04:00
    THE BEST OF TAMPA BAY! Scott is the real deal and has helped my wife and I, our children, and numerous friends and family members over the years purchase new homes or refinance. THANK YOU SCOTT! --Ed

    Persistence

    Very difficult loan, but Scott and his team got it done. Would definitely go back to him for future home purchases. Paper work was all electronic. Even with all the setbacks during the process, was persistent and got the job done.

    Sophia cepeda zolnoski from Tampa, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T15:02:03-04:00

    Sophia cepeda zolnoski from Tampa, FL

    Very difficult loan, but Scott and his team got it done. Would definitely go back to him for future home purchases. Paper work was all electronic. Even with all the setbacks during the process, was persistent and got the job done.

    I highly recommend Scott Kepler

    I highly recommend Scott Kepler and his team to anyone interested in buying a home.

    Jose A Valdes Ledesma

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T18:22:42-04:00

    Jose A Valdes Ledesma

    I highly recommend Scott Kepler and his team to anyone interested in buying a home.

    We closed very fast

    Scott and Tanner were wonderful to deal with. Extremely informative and helpful. We closed very fast and have been in our dream home for several months now and couldn't be happier! Would recommend them to anyone I know!

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:25:32-04:00
    Scott and Tanner were wonderful to deal with. Extremely informative and helpful. We closed very fast and have been in our dream home for several months now and couldn't be happier! Would recommend them to anyone I know!

    Best experience ever!

    Scott has an amazing team to have working on my behalf, and I was lucky to have had someone to refer them to me. The lender that I started with was charging me twenty grand for closing cost! When I was introduced to Scott he quoted me thirteen, but at closing I was pleasanty surprised because my cost was a little over three thousand less than he quoted! On top of that my buying process had some external challenge. I'm sure I had become needy and annoying with all the times I called them, but they almost always answered their phones. On the very few times they didn't I received a call back promptly. I even called Scott on a Holiday and he answered! Best experience ever!

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:30:21-04:00
    Scott has an amazing team to have working on my behalf, and I was lucky to have had someone to refer them to me. The lender that I started with was charging me twenty grand for closing cost! When I was introduced to Scott he quoted me thirteen, but at closing I was pleasanty surprised because my cost was a little over three thousand less than he quoted! On top of that my buying process had some external challenge. I'm sure I had become needy and annoying with all the times I called them, but they almost always answered their phones. On the very few times they didn't I received a call back promptly. I even called Scott on a Holiday and he answered! Best experience ever!

    Scott still gave me a lot of his time to review options

    I am kicking tires right now with a new home purchase in the future. Scott still gave me a lot of his time to review options and provided me with what I needed to know to prepare for a mortgage application. Felt that he was honest and would take care of me when the time comes. Many mortgage brokers would not bother if you were not ready to move now. When ready, I will certainly come back to him.

    Deanna Lynn Huber from Saint Petersburg, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:55:41-04:00

    Deanna Lynn Huber from Saint Petersburg, FL

    I am kicking tires right now with a new home purchase in the future. Scott still gave me a lot of his time to review options and provided me with what I needed to know to prepare for a mortgage application. Felt that he was honest and would take care of me when the time comes. Many mortgage brokers would not bother if you were not ready to move now. When ready, I will certainly come back to him.

    Thorough and Stress Free Closing

    I recently had the pleasure of purchasing a new home. Fortunately, I was able to work with Scott Kepler as my lender. From the moment of making him aware of my offer to purchase the home, I was able to close in less than 30 days. This was even with the added complication of closing the weekend before hurricane Irma hit the Tampa area. Scott kept me informed all the way through the process and the numbers he quoted me were almost spot on. I was able to count on what he said and close smoothly, quickly and without any complications. I would highly recommend Scott Kepler for anyone looking for a lender.

    rebrom263 from Tampa, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:57:52-04:00

    rebrom263 from Tampa, FL

    I recently had the pleasure of purchasing a new home. Fortunately, I was able to work with Scott Kepler as my lender. From the moment of making him aware of my offer to purchase the home, I was able to close in less than 30 days. This was even with the added complication of closing the weekend before hurricane Irma hit the Tampa area. Scott kept me informed all the way through the process and the numbers he quoted me were almost spot on. I was able to count on what he said and close smoothly, quickly and without any complications. I would highly recommend Scott Kepler for anyone looking for a lender.

    Scott was right there answering any questions even on weekends and after 5pm

    We went to Scott for a loan. Well 1st let me say from the very start Scott was right there answering any questions even on weekends and after 5pm. He breaks it down for you so you can understand the whole process. Nice and helpful in many ways. Then when something came up and it look like we may not get approved with another lender and may lose out on the house, Scott came to the rescue with a back up plan which saved us ! He is very professional, nice, smart man . I really appreciate all he has done. I would highly recommend Scott Kepler Mortgage Team to anyone looking in to getting a loan!

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:16:55-04:00
    We went to Scott for a loan. Well 1st let me say from the very start Scott was right there answering any questions even on weekends and after 5pm. He breaks it down for you so you can understand the whole process. Nice and helpful in many ways. Then when something came up and it look like we may not get approved with another lender and may lose out on the house, Scott came to the rescue with a back up plan which saved us ! He is very professional, nice, smart man . I really appreciate all he has done. I would highly recommend Scott Kepler Mortgage Team to anyone looking in to getting a loan!

    I especially liked the online presentation software that they used to calculate your loan

    Scott and his team are the best! Always there to answer your questions and walk you through the process. I especially liked the online presentation software that they used to calculate your loan so you know where your money and going and a good estimate of how much you'll need. I'm a first time home buyer and they made it simple!

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:24:18-04:00
    Scott and his team are the best! Always there to answer your questions and walk you through the process. I especially liked the online presentation software that they used to calculate your loan so you know where your money and going and a good estimate of how much you'll need. I'm a first time home buyer and they made it simple!

    After talking to Scott and hearing his plan, I knew that I was in good hands…

    I was referred to Scott after I had been turned down by the first lender that I tried. I was nervous about being able to get approved. After talking to Scott and hearing his plan, I knew that I was in good hands... Two months later, my family was moving into a our new house. Thank you Scott!

    KINGROBM from Tampa, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T15:05:15-04:00

    KINGROBM from Tampa, FL

    I was referred to Scott after I had been turned down by the first lender that I tried. I was nervous about being able to get approved. After talking to Scott and hearing his plan, I knew that I was in good hands... Two months later, my family was moving into a our new house. Thank you Scott!

    Wonderful to deal with

    Scott and Tanner were wonderful to deal with. Extremely informative and helpful. We closed very fast and have been in our dream home for several months now and couldn't be happier! Would recommend them to anyone I know!

    npazamickas from Land O Lakes, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T15:00:14-04:00

    npazamickas from Land O Lakes, FL

    Scott and Tanner were wonderful to deal with. Extremely informative and helpful. We closed very fast and have been in our dream home for several months now and couldn't be happier! Would recommend them to anyone I know!

    The best.

    The best group, full of professionalism and very competitive. I recommend him and his group. We feel very safe in the whole process. They showed their professionalism, which was very pleasant for us.

    tanange2609 from Spring Hill, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T15:00:55-04:00

    tanange2609 from Spring Hill, FL

    The best group, full of professionalism and very competitive. I recommend him and his group. We feel very safe in the whole process. They showed their professionalism, which was very pleasant for us.

    Very professional and was always available to answer any questions I had.

    I highly recommend Scott for your mortgage needs. Very professional and was always available to answer any questions I had. I would also like to thank the rest of the Mortgage Approval Group Team for their help!

    Sandra Kotowski-Miller 
    Scott Kepler Mortgage Team
    5.0
    2018-07-13T18:20:50-04:00
    Sandra Kotowski-Miller 
    I highly recommend Scott for your mortgage needs. Very professional and was always available to answer any questions I had. I would also like to thank the rest of the Mortgage Approval Group Team for their help!

    Thank you so much for helping us get our dream home.

    Thank you so much for helping us get our dream home. You explained everything from beginning to end and where always available for us. Thank you

    Estee Waters

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T18:21:44-04:00

    Estee Waters

    Thank you so much for helping us get our dream home. You explained everything from beginning to end and where always available for us. Thank you

    I was not stressed at all.

    I was actually dreading buying another home as in the past our closing was a nightmare. Scott Kepler was recommended to us. Scott and His Team were very professional and helpful through the whole process. From the minute we applied for the loan until our closing Scott was there to answer any questions we had. My husband and I couldn't believe how smooth and easy buying our home was. I was not stressed at all. If you are thinking of buying a home and want it to be a happy time and not stressful and want to deal with a person that is knowledgeable, professional, patient and helpful I recommend Scott Kepler Mortgage Team.

    Smithwright6 from The Villages, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T15:07:13-04:00

    Smithwright6 from The Villages, FL

    I was actually dreading buying another home as in the past our closing was a nightmare. Scott Kepler was recommended to us. Scott and His Team were very professional and helpful through the whole process. From the minute we applied for the loan until our closing Scott was there to answer any questions we had. My husband and I couldn't believe how smooth and easy buying our home was. I was not stressed at all. If you are thinking of buying a home and want it to be a happy time and not stressful and want to deal with a person that is knowledgeable, professional, patient and helpful I recommend Scott Kepler Mortgage Team.

    Very helpful in guiding us through the whole process

    Our home buying experience with Scott Kepler Mortgage Team was great! Scott and Tanner were very helpful in guiding us through the whole process and the complex paperwork! Thanks again!

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:27:54-04:00
    Our home buying experience with Scott Kepler Mortgage Team was great! Scott and Tanner were very helpful in guiding us through the whole process and the complex paperwork! Thanks again!

    He was there for us no matter what time of day it was and was so helpful to explain …

    As first time home buyers after a 26 year military career, we were very intimidated by the whole home buying process but Scott quickly took all our fears away and made our experience a simple and easy one. He was there for us no matter what time of day it was and was so helpful to explain some of the terms in the home purchase arena that were unfamiliar to us. I highly recommend him and his team for any home buyer whether they are first timers like us, or more experienced.

    realmccoyeddie from New Port Richey, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T15:06:08-04:00

    realmccoyeddie from New Port Richey, FL

    As first time home buyers after a 26 year military career, we were very intimidated by the whole home buying process but Scott quickly took all our fears away and made our experience a simple and easy one. He was there for us no matter what time of day it was and was so helpful to explain some of the terms in the home purchase arena that were unfamiliar to us. I highly recommend him and his team for any home buyer whether they are first timers like us, or more experienced.

    He keeps his client’s best interest in mind.

    Mr. Kepler is professional and cordial and very thorough. I like that he has offered solutions that I did not even consider. Mr. Kepler has been available on my time schedule and has even phoned me at 7:30pm. He keeps his client's best interest in mind. I would take my business to no one else.

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:22:45-04:00
    Mr. Kepler is professional and cordial and very thorough. I like that he has offered solutions that I did not even consider. Mr. Kepler has been available on my time schedule and has even phoned me at 7:30pm. He keeps his client's best interest in mind. I would take my business to no one else.

    We Highly recommend them for all your mortgage needs.

    Scott Kepler Mortgage Team made our home buying experience as easy and hassle free as possible. We Highly recommend them for all your mortgage needs.

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:31:35-04:00
    Scott Kepler Mortgage Team made our home buying experience as easy and hassle free as possible. We Highly recommend them for all your mortgage needs.

    Everyone has to trust him and his team.

    Scott Thomas Kepler is a very reliable person. Great professional and responsible everyone has to trust on him and his team. He also made me good suggestions whenever I need them. I strongly recommend Scott as a great lender.

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T14:26:47-04:00
    Scott Thomas Kepler is a very reliable person. Great professional and responsible everyone has to trust on him and his team. He also made me good suggestions whenever I need them. I strongly recommend Scott as a great lender.

    Self Employed First time home buyer

    Scott and his team made my process possible, using electronic documents and communications, allowing me to fit the home buying process into a busy schedule. They were always available for any questions. Very helpful and not as stressful as I had imagined.

    brad andrews from Saint Petersburg, FL

    Scott Kepler Mortgage Team
    5.0
    2018-07-13T15:04:27-04:00

    brad andrews from Saint Petersburg, FL

    Scott and his team made my process possible, using electronic documents and communications, allowing me to fit the home buying process into a busy schedule. They were always available for any questions. Very helpful and not as stressful as I had imagined.
    5
    23

  • Mortgage Loans Made Simple

    Thank you for visiting the website for one of the best Tampa mortgage lenders available on the market today. The Scott Kepler Mortgage Team proudly represents Mortgage Approval Group, LLC in Tampa, Florida. Mortgage Approval Group is a mortgage broker offering a variety of financing options for most any situation.

    Other mortgage loan officers and lenders are afraid to tackle the tough deals; seeking out only the best-of-the-best applicants. Scott and his team are different and they make getting a mortgage simple no matter what the circumstances. Using 18+ years of experience in mortgage lending and having access to top tiered innovative lending options, Scott Kepler and his team of mortgage professionals take the time to learn about your short and long-term goals to ensure that you choose the right mortgage product for your individual situation; making us the best Tampa mortgage lender for you!

    For more information about our company and why you should choose to work with us, you can review our “About Us” tab HERE.

    Consultations are always free from charge, so pick up the phone and give us a call today at 813-444-8537!

  • Pre-Approval

    In order to be pre-approved for a home loan, you must undergo a quick and easy process that can award you a lot more credibility when working with professionals in the field. Your mortgage broker in Tampa will  check your financial history to see what type of loans you can qualify for. This will give you a better idea on the type of homes you can budget for, that way you do not waste your time searching for houses outside your limit. 

    Getting pre-approved also shows the seller’s that you are financially responsible and can afford to purchase a home. This gives you more credibility which means a seller might be more willing to choose your offer over someone who has not undergone the pre-approval process. 

    If you are interested in getting pre-approved, please fill out our online application here.

  • Loan Programs

    We offer a variety of different loan programs, so regardless of what your financial goals are, we have an option that will best fit your needs. 

    Fixed Rate Mortgage: If you are more of a “play it safe” kind of borrower, then a fixed rate mortgage might be your best option. With this loan, you will be offered a set interest rate that will not fluctuate throughout your loan term. This means you can plan out your finances since you will know exactly how much you owe every month towards your Tampa home loan. 

    Adjustable Rate Mortgage (ARM): If you are looking for a cheaper initial interest rate then you should look into an ARM. This option is dependent on the economy, which means your monthly payments could rise or fall throughout your amortization period. A benefit though is that you are generally offered a lower interest rate to start with. 

    First Time Home Buyer: Available with as little as 1% down, although most put down 3%.  There are several programs available, so contact us to learn more about which program would best fit your individual situation.

    FHA: If you have a low credit score, low income, or a low down payment then an FHA loan would be perfect for you. This loan is a government-backed loan and is offered through the Federal Housing Administration. To qualify, you can have a credit score as low as 500 and are only required to pay 3.5% towards your down payment. 

    VA: Are you currently employed in the armed forces or have retired from the military? If so, you could qualify for a VA loan administered through the United States Department of Veteran Affairs. If you meet the active duty or reservist qualifications, you could benefit from a home loan that offers affordable housing and has a zero down payment requirement. 

    USDA: Administered through the United States Department of Agriculture, a USDA loan is for borrowers located in rural areas and it offers low-interest rates and also has a zero down payment requirement. 

    Renovation: If you are looking to renovate your home or a home that you'd like to purchase but do not have the finances to do so, you could qualify for one of our loans to help fund this project. Please contact us at 813-444-8537 for more details. 

    Teachers: If you are a teacher, you have the opportunity to become a homeowner with the Florida Educator Mortgage Benefits Program. This gives teachers the opportunity to receive affordable rates on a mortgage.

    Jumbo Loan: If you are wanting to purchase a large piece of property and would like to apply for a loan that exceeds the normal borrowing limits, you can apply for a Jumbo Loan. You will need to have good credit and a stable income in order to qualify.

  • Our Resources

    If you would like to read up on the current mortgage topics, you can read our all our blog posts HERE. 

    We also provide a free mortgage calculator so you can figure out how expensive your monthly payments are going to be. 

    Our Client Resources tab provides useful information on common mortgage definitions, the home buying process, and much more.

  • Contact Us

    If you are searching for “mortgage lenders near me” you can find us located at:

    2918 Busch Lake Blvd Suite A
    Tampa, FL  33614
     

    You can also call to make an appointment at 813-444-8537.