The Tampa mortgage market
Tampa is one of Florida's fastest-growing metros with strong job growth, investor activity, and first-time buyer demand.
MacDill AFB drives heavy VA loan volume; investor demand fuels DSCR activity.
Top loan programs in Tampa
- Conventional — commonly used by Tampa buyers in this market.
- FHA — commonly used by Tampa buyers in this market.
- VA — commonly used by Tampa buyers in this market.
- DSCR — commonly used by Tampa buyers in this market.
How to qualify for a mortgage in Tampa
Qualifying for a mortgage in Tampa follows the same core process as anywhere in Florida: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, and how the home will be used.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for a Tampa mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Gulf Coast — including Tampa — find the right loan program at a competitive rate. We work with conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
Get your Tampa loan options
See what you qualify for — fast, free, no obligation.