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We offer LOW rates!
Low Rates
Low Closing Costs
FREE Pre-Qualification
NO Up-Front Fees
A Variety of Products
to Choose From
All In-House Processing
Underwriting Decisions
Within 48 Hours
On Most Loan Products

We offer in Florida only; VA loans | FHA loans, 203K loans, USDA RD loans, USDA Rehab loans, HARP loans, Conventional loans, Manufactured Home loans, Commercial loans, and Investor loans.

Citrus Lending of Tampa Bay is your #1 choice for home mortgage loans in the state of Florida.

Citrus Lending of Tampa Bay is a full service mortgage brokerage serving all of Florida and has been helping Floridians get financing for their new home since 2005. Whether you are a first time home buyer or looking for investment property, Citrus Lending of Tampa Bay will work with you to get you the financing you need to make your real estate dreams come true.

Citrus Lending of Tampa Bay offers the following loan options available with a variety of lenders. We shop around to find the best loan programs with the lowest interest rate available, so you don’t have to.

These are just a few of the loan programs offered:

Credit score down to a 500!! WOW (With 10% down FHA)
VA - 100% financing available (down to 500 score)
VA - 100% rehab loans with up to $35,000.00 in rehab money.
FHA 96.5% standard - and FHA 203k rehab program's - Full and Streamlines
$100.00 Down - FHA - HUD REO foreclosed homes
USDA - RD - 100% financing availabe 580 credit score (Income limits) OUR SPECIALTY!!
Conventional 95% / First time homebuyers 97%
1% Down Conventional loans for first time homebuyers (credit score and income restrictions apply)
FHA GRANT for down payment assistance up to 4% - normal closing costs will apply. However you can ask the seller to pay up to 6% towards the closing costs to decrease the cost out of pocket
We work with NSP - SHIP program for down payment assistance
(when available)
Mobile Home financing - Double-wide's back to July of 1976
New construction loans
Jumbo loans
Hard money loans
Investment property loans
Stated and 24 mos. bank statement for self-employed borrowers!!

Call us Toll Free 866-421-6019 for a free, no obligation consultation with a loan specialist or fill out our mortgage pre-qualification form.

For more information about the NMLS contact

Licensed in Florida ONLY NMLS # 326484 State License # MBR285

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