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Carlos Ramos

Carlos Ramos

Sales Manager

12189 W. Linebaugh Avenue, Tampa, FL 33626
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
5.0
4.75
5.0
Douglas
Apr 22, 2024
Verified

The LO was always pleasant and helpful
Janine B A
Apr 22, 2024
Verified

Carlos - Was always courteous and knowledgeable. I appreciate his professionalism.
Thomas
Apr 15, 2024
Verified

Everything from the beginning of the process to completion exceeded my expectations.
Ruddy
Apr 15, 2024
Verified

Carlos and his team did an amazing job with my client and I look forward to working with them again.
John
Apr 08, 2024
Verified

The entire process went extremely well never wondered what was going on always constant communication and updates
Nellie
Mar 11, 2024
Verified

Carlos and his team followed through the entire process and worked hard to get this close on time. Carlos was up first on line to be sure to get the First time buyer program Hometown Hero for my buyer they were thrilled

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NMLS ID #460046
I am authorized to do business in the state of Florida.