Your Local Guide to Finding

the Best Mortgage in Florida

Purchasing a new home in Florida is a significant investment, and at Team Stapleton, we are committed to guiding you through this journey with expertise and personalized service. With over 60 years of combined mortgage experience, our local team in St. Petersburg and Tampa Bay offers a seamless, efficient lending process, handling everything from appraisal to closing right here in Pinellas County.

Understanding Florida's Real Estate Landscape

Florida's housing market is dynamic, with home values experiencing significant growth in recent years. As of January 2025, property values have appreciated considerably, attracting buyers nationwide. This upward trend underscores the importance of partnering with knowledgeable professionals to navigate the competitive market effectively.

Tailored Mortgage Solutions for Florida Homebuyers

We offer a range of mortgage solutions tailored to fit your needs. Conventional loans are ideal for buyers with strong credit, providing competitive rates and flexible terms. For those with limited funds for a down payment, FHA loans offer an accessible option with as little as 3.5% down. VA loans provide zero down payment opportunities exclusively for veterans and active-duty military personnel, ensuring they can secure home financing with ease. Additionally, USDA loans are available for eligible rural property buyers, offering zero down payment and reduced mortgage insurance costs.

Whatever your financial situation, our team is here to guide you toward the best mortgage solution to achieve homeownership in Florida.

Florida Offers Several Programs to Assist Homebuyers

Florida Housing's First Time Homebuyer (FTHB) Program: Provides 30-year fixed-rate mortgages and down payment assistance to qualified first-time buyers.
Florida Assist: Offers up to $7,500 in down payment assistance as a deferred second mortgage.
Mortgage Credit Certificate (MCC) Program: Allows first-time buyers to claim a tax credit for a portion of the mortgage interest paid annually.

Our team will help you determine eligibility and guide you through the application process to maximize these benefits.

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Why Choose Team Stapleton?

Buying a home in Florida comes with unique challenges, but Team Stapleton is here to help you navigate them with confidence. Homeowners insurance costs can be higher due to Florida’s climate, but we guide you in selecting cost-effective policies with comprehensive coverage. Property taxes vary by location, and understanding local rates and exemptions can significantly impact your budget. Additionally, with Florida’s booming real estate market, competition is fierce, and desirable homes sell quickly. Our market expertise ensures you’re well-positioned to make strong, competitive offers.

We believe in transparent communication, keeping you informed and empowered throughout your homebuying journey. Founded by a former Air Force firefighter, our team operates with trust and integrity, putting your needs first and making sure your home purchase is more than just a transaction—it’s a major milestone. Start your Florida homebuying journey with confidence.