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!

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.

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.

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.