Top 3 Mortgage Lenders in New Port Richey

BayFirst Financial is a highly-rated local mortgage lender deeply embedded in the New Port Richey community with over two decades of service. They maintain exceptional 4.8-star ratings across multiple review platforms, with customers consistently praising their personalized service, competitive rates, and efficient closing processes. As a direct lender with local underwriting, they offer faster decision-making and more flexible loan options than many larger institutions. Their team specializes in Florida's unique housing market and provides comprehensive guidance through the entire mortgage process, from pre-approval to closing.

Paramount Bank has been serving the New Port Richey community since 2001 with a strong focus on residential mortgage lending. They maintain excellent 4.7-star ratings with particular strength in first-time homebuyer programs and VA loans, important for the local veteran population. As a community bank, they offer the advantage of local decision-making and personalized service while providing competitive rates typically associated with larger lenders. Their mortgage team has extensive experience with Florida's coastal property financing requirements and offers both in-person and digital application options.

USAmeriBank serves the entire Pasco County region including New Port Richey with a robust mortgage division that has earned consistent 4.6-star ratings. Founded in 2008, they've built a strong reputation for transparent lending practices and competitive jumbo loan options, particularly valuable in Florida's coastal markets. Their local loan officers have deep knowledge of the New Port Richey area real estate market and provide comprehensive support through the entire mortgage process. Customers frequently highlight their responsive communication, smooth closing experiences, and ability to handle complex financing scenarios effectively.