Tampa Bay mortgage broker — helping you get pre-approved with clarity.
Tampa Bay isn't one market. It's a coastal county, a growth county, a downtown, a beach, a military hub, and a relocation destination — all at once. The mortgage that fits depends on where you are and what you're actually trying to do.
Local across the bay.
I work across Pinellas, Hillsborough, and parts of Pasco County. Each has its own buying realities — flood zones, insurance, condo warrantability, new construction, and military communities all factor in differently depending on where you're looking.
Pinellas County
Beaches, peninsula geography, flood and insurance considerations, condo-heavy in pockets.
Pinellas County page →Hillsborough County
Tampa, growth markets east and south, new construction, relocation buyers, MacDill AFB.
Hillsborough County page →Pasco County
Northern growth corridor with newer subdivisions and commute-friendly inventory — Wesley Chapel, Land O' Lakes, New Port Richey, and more.
Pasco County page →Buyers across every part of the bay.
Military & veteran families
VA-aware support for MacDill AFB and Coast Guard Air Station Clearwater buyers.
Learn more →Relocation buyers
Out-of-state buyers moving in — real Florida insurance, tax, and flood context up front.
Learn more →Choose the path that fits — not the loudest one.
Loan programs are tools. The right one depends on your credit, your savings, the property you want, and where you're headed long-term. Below is the short list of what I most often help Tampa Bay buyers with.
Flexible credit, lower down payment.
$0 down for eligible service members and veterans.
Often the lowest long-term cost for stronger credit.
Flexible access to home equity with a plan.
Rate-and-term or cash-out — when the math actually helps.
Tampa Bay buyer assistance — official resources
Pinellas and Hillsborough each run their own housing programs, layered on top of the statewide options through Florida Housing.
Down payment assistance programs are subject to eligibility requirements, funding availability, income limits, purchase price limits, property location rules, and program guidelines. Program details can change, so confirm current requirements before relying on any assistance option.
- Pinellas County — Housing & Community Development (opens in a new tab) County
Pinellas County housing assistance and homebuyer programs.
- Hillsborough County — Affordable Housing (opens in a new tab) County
Hillsborough County affordable housing programs.
- Florida Housing — Homebuyer programs (opens in a new tab) State
Statewide first-mortgage and DPA options.
These links go to third-party websites that are not operated by Gherrel Pinkham or Edge Home Finance, LLC. They are shared for general information only and should not be relied on as legal, tax, or financial advice.
Tampa Bay mortgage questions, answered.
Get pre-approved with clarity.
Real numbers, real local context, no high-pressure pitch.