Unlock Your Dream Home with Affordable Mortgage Solutions
Find the Perfect Mortgage Plan Tailored to Your Needs
Buying a home is one of the most significant investments you'll make in your lifetime. That's why we offer customized mortgage solutions designed to fit your unique financial situation whether you're a first-time homebuyer or looking to refinance.
Explore our services to make your dream home a reality!
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Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything.
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Unlock Your Dream Home with Our Mortgage Solutions.
25+
Years of
experience
who we are?
Your Trusted Partner in Home Financing
Serving Florida homeowners since 1997, we’re more than just a mortgage lender. We’re your dedicated partner in making homeownership a reality. Our team works closely with you to understand your goals and provide tailored mortgage solutions that fit your lifestyle and budget.
From first-time buyers to experienced homeowners, we’re here to offer guidance, support, and expertise every step of the way.
10+
Years of
experience
who we are?
Your Trusted Partner in Home Financing
We’re more than just a mortgage lender—we’re your dedicated partner in making homeownership a reality. Our team works closely with you to understand your goals and provide tailored mortgage solutions that fit your lifestyle and budget.
From first-time buyers to experienced homeowners, we’re here to offer guidance, support, and expertise every step of the way.
why choose us?
Mortgage Solutions for Florida Homebuyers and Homeowners
Home Purchase
Refinance
Reverse Mortgage
Why Florida Homeowners Choose Team Stapleton
Client Satisfaction
Personalized Solutions
Exceptional Customer Service
With over 100 five-star Google reviews and more than 25 years of mortgage experience, our mission is to provide honest guidance, competitive loan options, and personalized service for every client we serve.
Team Stapleton Home Loans has been helping Florida homebuyers and homeowners since 1997. Based in St. Petersburg, Florida, we proudly serve Tampa Bay and communities throughout the state.
We specialize in:
Home Purchase Loans
First-Time Home Buyer Programs
Mortgage Refinancing
Reverse Mortgages
FHA Loans
VA Loans
Conventional Loans
what we offer ?
Effortless Mortgages, Realize Your Dreams
Our tailored solutions and expert support to make your dreams a reality ensures a smooth journey, empowering you to achieve your goals with confidence.
FHA Loan
FHA Loans are perfect for those with less-than-ideal savings and credit.
Fast Approval to secure your new home
3.5% Down Payment
Easy Credit & Income qualification
VA Loan
VA Loans are a great option for anyone who has served our nation
Zero Down Payment
No Mortgage Insurance requirement
Low Monthly Payment
Reverse Mortgage
Reverse Mortgages help seniors 62+ gain access to established home equity
Access established home equity
Interest paid at end of the loan
Low monthly payments
USDA Loans
USDA loans allow you to purchase a home in a rural area with no money down.
100% Financing - No Down payment
Seller's credits may cover closing fees
Option to roll closing fees into monthly payment
Refinancing
Refinancing allows you to adjust your mortgage terms and lowering your monthly payments.
Convert ARM to Fixed Rate
Pull Cash Out to Consolidate Debt
Reduce Monthly payments
Vacation Home
Did you find your dream vacation home?
Options available to buy & finance a second home
As little as 10% Down Payment
Conventional
Traditional Conventional loans with great options for First-time home buyers.
Fannie Mae & Freddie Mac
3% Down for First-time Buyer
Affordable Loans, Home Ready
2 - 4 Unit Purchases available
Alt A/Non QM
Alternative A or Non Qualified Mortgage loans help make home buying a reality
Bank Statements 12 or 24 months
Debt Service Coverage Ratio (DSCR)
No Ratio required
1099 Only, 1 Year Self-Employed
Jumbo Loans
Are you considering a large real estate investment or significant purchase up to $5M?
Wider variety of Jumbo loan options than most banks and retail lenders
Competitive rates on loans up to $5M
Interest Only Options
Trusted By Florida Homebuyers & Homeowners
— Chandler Fitts
Steve and Amanda made our home buying process amazing! They were always quick to answer my emails and calls whenever I had a question and made sure I was ready to close in a timely manner. I highly recommend them and will be using them for my next purchase!
— Ryan Yee.
I really enjoyed working with Steve and his team. This was my first time buying a home & I had a LOT of questions. Steve did a great job with timely & through answers.
Highly recommend working with Steve.
Frequently Asked Questions
What mortgage programs are available for first-time home buyers in Florida?
Florida first-time home buyers may qualify for several loan programs, including FHA, VA, USDA, and Conventional loans. Many buyers may also be eligible for down payment assistance programs and grants. Team Stapleton Home Loans helps buyers review available options and choose the mortgage solution that best fits their financial goals.
What credit score do I need to qualify for a mortgage?
Credit score requirements vary by lender and loan type. While some government-backed loan programs may allow lower credit scores, higher scores often provide access to better interest rates and loan terms. Team Stapleton Home Loans will review your situation and help identify mortgage programs that fit your qualifications.
Can I refinance my mortgage to lower my monthly payment?
Refinancing may help lower your monthly mortgage payment by securing a lower interest rate, extending the loan term, or consolidating debt. Every homeowner's situation is unique, so our team reviews your current mortgage and financial goals to determine whether refinancing makes sense for you.
How much down payment is required to buy a home in Florida?
The required down payment depends on the loan program and your financial situation. Some loan programs allow qualified buyers to purchase a home with as little as 0% to 3.5% down, while others may require a larger down payment. Our team can help you explore available loan options and determine what works best for your budget.
How does a reverse mortgage work?
A reverse mortgage allows homeowners age 62 and older to convert a portion of their home equity into available funds while continuing to live in their home. The homeowner remains responsible for property taxes, insurance, and maintaining the property. Reverse mortgages can be used to supplement retirement income, eliminate existing mortgage payments, or provide additional financial flexibility.
How long does the mortgage approval process take?
The mortgage approval process can vary based on the loan type, documentation requirements, and individual circumstances. In many cases, pre-approvals can be completed quickly, while full loan approvals may take several weeks. Team Stapleton Home Loans works closely with borrowers to keep the process moving smoothly from application to closing.
Contact Us
3035 5TH AVE N,
SAINT PETERSBURG FL 33713
(727) 800-2921
Serving St. Petersburg, Tampa Bay, and homeowners throughout Florida.
Member FDIC
Equal Housing Lender
