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Directory of mortgage brokers in Tarpon Springs, Florida. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Tarpon Springs, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Florida before hiring.
Showing 6 mortgage brokers in Tarpon Springs, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
KB Mortgage
5 W Orange St, Tarpon Springs, FL 34689
7277988798
Movement Mortgage - The Higgins Home Loan Team
123 E Tarpon Ave Office 208, Tarpon Springs, FL 34689
7274218428
Smart Mortgage Centers Inc
38852 US Hwy 19 N, Tarpon Springs, FL 34689
8884296601
O.J. Mortgage Co Inc
917 E Klosterman Rd, Tarpon Springs, FL 34689
7277730505
Diane Schillace NMLS #359766
917 E Klosterman Rd Unit A, Tarpon Springs, FL 34689
7274921140
Mortgage, Bank of America
910 E Tarpon Ave, Tarpon Springs, FL 34689
7279471811
Mortgage brokers in Tarpon Springs Florida help homebuyers and homeowners find suitable loan products from multiple lenders. Florida law requires mortgage brokers to be licensed through the Florida Office of Financial Regulation and to follow specific disclosure rules under Chapter 494 of the Florida Statutes. Local brokers understand the unique real estate market in Tarpon Springs including historic homes and waterfront properties.
What Does a Mortgage Broker in Tarpon Springs Cost?
Mortgage broker costs in Florida typically range from 1% to 2% of the loan amount. For a $300,000 loan this could be $3,000 to $6,000 in broker fees. Some brokers charge a flat fee instead of a percentage. You may also pay for appraisal, credit report, and application fees separately. Florida law requires brokers to provide a Good Faith Estimate of all costs within three business days of your application. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What license does a mortgage broker need in Florida?
A mortgage broker in Florida must hold a valid license from the Florida Office of Financial Regulation. This includes passing a background check and completing pre-licensing education. The license must be renewed every two years with continuing education requirements.
How long does a typical mortgage approval take in Tarpon Springs?
Most mortgage approvals in Florida take 30 to 45 days from application to closing. Delays can occur if property appraisals or title searches take longer. Your broker can provide a timeline estimate based on your specific loan type and lender.
Are there special mortgage programs for Florida first time home buyers?
Yes, the Florida Housing Finance Corporation offers programs like the Florida First mortgage and the Florida HFA Preferred program. These provide down payment assistance and competitive interest rates for qualified first time buyers. Your broker can help you determine eligibility.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Florida.