Tampa, Florida

Tampa mortgage broker.
Bungalows, bayfront and MacDill moves.

Around Tampa Bay, insurance and flood zones belong in the conversation as early as the loan. Oak Capital Mortgage brings both into one plan, weighing programs from our wholesale lender network with a Florida-licensed loan officer by your side.

Takes about 2 minutes. A quick inquiry, not a loan application.

Conventional • VA • FHA • Jumbo • Bank Statement • Renovation • DSCR Investor • Bridge

Tampa Bay

Steady guidance for Tampa Bay buyers.

Buying around the bay means thinking about flood zones and insurance alongside the loan itself. We help you plan for both so your closing stays calm and on schedule.

Quotes before you commit

Homeowners coverage, and flood coverage where required, must be bound before closing. We help you order quotes early and read the elevation certificate and wind mitigation report together.

When a storm is on the map

Insurers may pause new policies for a few days as a named storm approaches. During hurricane season, binding coverage well ahead of your date keeps the closing on track.

MacDill moves

If you are assigned to MacDill Air Force Base or have served, your VA benefit may be a good place to start. We check eligibility and work your closing around report dates.

Bungalows that need work

Seminole Heights, Tampa Heights and older St. Petersburg streets are full of homes with character and dated systems. Renovation loans can cover the house and the updates together.

Bay area programs

Bungalows, bayfront and everything around the bay.

A Seminole Heights bungalow, a Westchase family home and a first condo near downtown each lean on a different program. Open one to see the fit.

Conventional

Buy or refinance anywhere from Wesley Chapel to Clearwater, with programs from many lenders weighed in one place.

Often a fit for: borrowers with a steady job and solid credit.

Jumbo

Loan amounts above $832,750 for South Tampa, Hyde Park, Davis Islands and the Pinellas waterfront.

Often a fit for: bayfront and high-end buyers.

VA

No down payment required for eligible borrowers, and the benefit can be reused over a career. Learn how VA loans work.

Often a fit for: MacDill airmen, veterans and eligible surviving spouses.

FHA

Insured by FHA, with a lower down payment and more flexible credit rules. Explore FHA loans.

Often a fit for: first-time buyers in Brandon, Riverview and New Port Richey.

Renovation

Covers the house and the repair list in one closing.

Often a fit for: bungalow buyers in Seminole Heights, Tampa Heights and Old Northeast St. Pete.

Bank Statement & Asset-Based

Use deposits or liquid assets to qualify when tax returns understate what you earn.

Often a fit for: contractors, salon owners and other bay area entrepreneurs.

DSCR Investor

The rent a property can bring in, not your personal income, drives approval.

Often a fit for: investors near USF, downtown St. Pete and the Pasco suburbs.

Bridge

Buy your next bay area home with equity from the one you’re selling. Bridge loans explained.

Often a fit for: families trading up within the region.

First keys

Renting in Tampa and ready for a change?

A Channel District condo or a starter home in Brandon or Riverview might be closer than you think. Certain programs need less cash up front, and some take gift funds from family. We put each option’s closing cash next to its homeowners and flood quotes so you see the whole cost.

Around the bay

Hillsborough, Pinellas and Pasco.

From South Tampa and St. Petersburg to Wesley Chapel and New Port Richey, we help buyers across Hillsborough, Pinellas and Pasco counties.

In Tampa

South Tampa · Hyde Park · Davis Islands · Harbour Island · Channel District · Ybor City · Seminole Heights · Tampa Heights · New Tampa

Hillsborough & Pasco

Westchase · Carrollwood · Brandon · Riverview · Apollo Beach · Lutz · Wesley Chapel · Land O’ Lakes

Pinellas

St. Petersburg · Clearwater · Dunedin · Palm Harbor · Largo · Safety Harbor

Our Florida license covers Hillsborough, Pasco and Pinellas alike. Leaving North Carolina for the bay? We are licensed there too and can help with both homes.

Client reviews

What clients say after closing.

Read all reviews on Google ↗

    
 
 
       Posted on Google  
   
   Lynda N 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matt and Jordyn have been absolutely phenomenal to work with. This is now my second home purchase using Oak Capital and I couldn’t be happier with the communication and honesty and speed. 10/10 recommend!
  
 
      Posted on Google  
   
   Shontek S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Matthew and Jordyn was truly an amazing experience. From the beginning to the closing table, they made the entire home buying process feel smooth, stress-free, and manageable. They were patient, knowledgeable, responsive, and always willing to answer my questions throughout every step.

There were moments during the process that felt overwhelming, but they continuously reassured and guided me through it all. Their professionalism, communication, and dedication made such a difference for me and my family. I’m beyond grateful for their hard work in helping me become a homeowner. I highly recommend them to anyone looking to purchase a home!”
  
 
      Posted on Google  
   
   Shane S 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've used Hayden and his team twice for a mortgage and a refinancing and cannot recommend them enough. Throughout the whole process, they remained exceptionally responsive and easy to communicate with, making each process as smooth and simple as it could possibly be. Their knowledge and ability to proactively move the process along allowed me to take a seat back and know that I was in good hands. Hayden always kept in mind the rate that I wanted to refinance at and regularly reached out to me until we approached a time where we could make it happen. The refinancing process was as seamless as I could imagine it going. Great people who are working on your side and are always available to assist.
  
 
      Posted on Google  
   
   Ryan Y 
 
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful/professional experience throughout the entire process from start to finish. The staff always answered my questions same day. They took the time to actually speak with me and the best options. Highly recommend Oak Capital Mortgage!!!
  
 
      Posted on Google  
   
   Alyssa R 
 
 
 
 Trustindex verifies that the original source of the review is Google. Hayden and Oak Capital Mortgage are awesome! Hayden acted like a partner every step of the way, always available when I needed him  most, and always collaborative. This was my first time buying a house and I was doing it solo. Hayden always stayed cool and collected, and was also on top of things when I wanted to jump on an offer. I was talking to a few lenders in the beginning, but Hayden is the only one who just reached out (even after I signed on with him) to see how things were going, say hi, ask about the house hunt, and just be friendly and that all went a long way. Closing was a breeze on his end (even though I myself had a little hiccup, he was cool about it and always solutions-oriented). Thanks Hayden!
  
 
      Posted on Google  
   
   DEBRA H 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew and Jordyn were amazing to work with! They are very knowledgeable, proactive and detail oriented! Closing ahead of schedule! Nice work! Highly recommend them to anyone looking for a home loan!
  
 
      Posted on Google  
   
   Sam M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Something so boring as a mortgage shouldn't also be stressful. And yet, it tends to be. Matthew Hassey and Jordyn Minton at Oak Capital couldn't fix the boring part, but they definitely made it less stressful. They were extremely clear and communicative, and answered each and every question I had, no matter how absurd. Do yourself a favor and work with them.
  
 
      Posted on Google  
   
   Anthony M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Everything was great. Thank you for being there for us.
  
 
      Posted on Google  
   
   Visal S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew Hassey and his team at Oak Capital are the best ! They will take care of you like they did us! It was smooth and easy and we walked away happier than we expected!
  
 
      Posted on Google  
   
   John S 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first time homeowners, my wife and I were naturally overwhelmed with information as we were shopping around lenders, to the point that we almost backed out of the whole ordeal. That is, until we switched to Oak Capital Mortgage and were paired with Hayden Wilson. Hayden was honest and transparent with us throughout the entire process from the moment he picked up the phone, and for that reason alone, I cannot recommend these folks enough. Nothing hidden from us, and every scenario laid out clearly for us to evaluate everything in its entirety.  10/10 service - you guys knocked it out of the park.

Questions

Tampa Bay buyer questions.

Don’t see yours? Call (704) 275-8175.

Why can't I bind insurance when a storm is in the Gulf?

When a named storm approaches, many insurers pause new policies until it passes. If your coverage isn’t bound yet, that can push back a closing. Locking in homeowners and any flood policy well ahead of your date is the simplest protection.

How do I find out whether a South Tampa or St. Pete home is in a flood zone?

Start with FEMA’s flood map, then confirm with the lender’s flood determination once you’re under contract. If the home is in a Special Flood Hazard Area, a federally backed loan will require coverage. An elevation certificate, if one exists, helps insurers quote it.

I'm assigned to MacDill. Can my VA loan cover a home in Pinellas or Pasco?

Yes, as long as it’s your primary residence. VA loans aren’t tied to a specific county, so you can buy wherever the commute works for you. If you deploy soon after closing, a spouse living in the home can usually satisfy the occupancy rule.

When does a Tampa Bay purchase call for a jumbo loan?

If you’re borrowing more than $832,750 on a one-unit home in Hillsborough, Pinellas or Pasco, the 2026 conforming cap, you’ll need jumbo financing. Bayfront homes on Davis Islands and in Hyde Park often land there. Reserve and documentation rules differ widely between jumbo lenders, so we compare them.

Can I buy a Seminole Heights bungalow that needs work?

Yes. A renovation loan can fund the purchase and repairs together, based on the value after improvements. It involves contractor bids and draw inspections, so bring us in before you make the offer.

Can we just talk through numbers before any credit check?

Absolutely. Talking through a Brandon starter home or a Davis Islands jumbo comes with no credit inquiry. We look at your credit only after you’re ready to apply and give us the green light.

Local market guides

More Florida guides.

Florida overview · Jacksonville · Orlando · Miami · Sarasota

Let's plan your Tampa Bay purchase.

Reach us online in a few minutes or by phone. A licensed loan officer calls you back personally, from South Tampa to Wesley Chapel to St. Pete.

Oak Capital Mortgage, LLC · NMLS #1960829 · 1800 Central Ave, Suite 301, Charlotte, NC 28205. All loans are subject to credit approval and underwriting.

Tampa mortgage broker.Bungalows, bayfront and MacDill moves.