The Best Mortgage Lenders in Saint Leo, FL
Compare verified mortgage lenders serving Saint Leo, Florida. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Saint Leo
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is consistently top-rated for its exceptional customer service, competitive rates, and extensive loan options. With over 28 years in the industry, they have a strong local presence in the Tampa Bay area, serving Saint Leo residents with personalized attention and expertise in Florida's housing market. Their high review scores reflect reliability and customer satisfaction.
Loan Types:
The Mortgage Firm
The Mortgage Firm
The Mortgage Firm has built a reputation over 29 years for transparency, efficiency, and deep local knowledge in Pasco County and surrounding areas, including Saint Leo. They are praised for their responsive service and ability to handle diverse loan types, making them a trusted choice for homebuyers seeking reliable financing solutions.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is renowned for its fast processing times, high customer satisfaction, and community-focused approach. Founded in 2008, they have expanded to serve Florida markets, including Saint Leo, with competitive rates and a wide range of loan products. Their strong review count and local expertise make them a top contender for mortgage services in the region.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Saint Leo, FL
What are the current mortgage rates like for homes in Saint Leo, FL?
Mortgage rates in Saint Leo are competitive with national averages but can vary based on the specific lender and your financial profile. Given Saint Leo's proximity to Tampa and its growing appeal, local credit unions and regional banks often offer attractive rate options. It's wise to compare offers from both local Florida institutions and national lenders to secure the best rate.
Are there any first-time homebuyer programs available specifically in Saint Leo?
Yes, Saint Leo homebuyers can access Florida-wide programs like the Florida HFA First Time Home Buyer Loan, which offers competitive interest rates and down payment assistance. Additionally, Pasco County, where Saint Leo is located, may have local initiatives or grants. Consulting with a mortgage advisor familiar with Pasco County programs can help you identify the best options for your situation.
How does Saint Leo's rural location affect my mortgage options?
Saint Leo's semi-rural setting may qualify certain properties for USDA loans, which offer 100% financing with no down payment for eligible buyers and homes. However, not all areas of Saint Leo may qualify, so it's important to check the USDA eligibility map. This can be a significant advantage for buyers looking to purchase with minimal upfront costs.
What should I know about property taxes and insurance when getting a mortgage in Saint Leo?
Saint Leo homeowners benefit from Florida's lack of state income tax, but property taxes and insurance are key considerations. Homeowners insurance, including windstorm coverage, can be higher due to Florida's climate, which impacts your total monthly mortgage payment. Your lender will factor these into your loan qualification to ensure affordability.
Are there any local Saint Leo or Pasco County mortgage incentives for teachers or service workers?
Pasco County sometimes offers programs for essential workers, such as educators, healthcare employees, or first responders, which can include down payment assistance or closing cost help. While not always specific to Saint Leo, these county-wide programs are accessible to its residents. Check with Pasco County's housing office or a local lender for current offerings.
Nearby Cities
Explore mortgage lenders in cities near Saint Leo, FL
Why Choose a Mortgage Lender in Saint Leo?
Local Market Knowledge
Lenders who understand Saint Leo's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Florida.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Saint Leo and get competitive rates on your home loan.