Michael TheutNEXA LENDING · NMLS #2674789

Tampa · Hillsborough County

Tampa home loans, from your first home to your next rental.

I help Tampa Bay buyers, investors and builders get financed, from a first home in Riverview to a rental in Seminole Heights. One originator, 290+ lenders, and I answer my own phone.

Michael Theut
Michael TheutMortgage Loan Originator · NMLS #2674789 · Verify ↗

What can I help you with in Tampa?

No credit pull. Not an application or a commitment to lend. I reply within 24 hours.

✓
Got it. I'll be in touch.

Usually same day, always within 24 hours.

Or grab a time on my calendarReady now? Start my application

Areas I serve around Tampa

South TampaSeminole HeightsWestchaseCarrollwoodNew TampaBrandonRiverviewWesley ChapelTown ’n’ CountryApollo BeachPlant CitySt. Petersburg

I lend all over Florida, not just Tampa, and DPA programs all over Florida. Investment loans in select states nationwide.

Who I help in Tampa

Every way to finance Tampa Bay real estate.

First-time buyersDPA programs all over Florida, wherever you buy. FHA, Conventional, VA and USDA, and a plan if you're not ready yet. InvestorsDSCR, fix and flip, bridge, portfolio and LLC loans. Out of state is still my business. Builders & developersConstruction, land, multifamily and financing for your buyers. HomeownersFlorida HELOCs, cash-out and refinance. Keep your low rate where it makes sense.

Local knowledge

What Tampa buyers should know.

01
Check the flood zone before you offer

A lot of Tampa Bay sits close to the water. If a home is in a FEMA high-risk flood zone (zones starting with A or V), federally backed mortgages require flood insurance for the life of the loan. Look the address up on FEMA's map and get an insurance quote early, because it changes what the home really costs each month.12

02
New construction is everywhere south and north of the city

Riverview, Wesley Chapel and Plant City are full of new communities. The builder's preferred lender isn't your only option. I'll compare their offer against 290+ lenders so you can see the full picture before you sign.

03
File your homestead exemption by March 1

If it's your primary home, apply with the Hillsborough County Property Appraiser by March 1. Homestead can exempt up to $50,000 of assessed value and caps how fast your assessment can rise each year.34

Primary home? File homestead with the Hillsborough County Property Appraiser ↗ by March 1.

Free tools

Free DPA checkSee what down payment help you may qualify for.→DSCR calculatorCheck if a rental's rent covers the payment.→Florida HELOCKeep your low rate and borrow around it.→

Tampa FAQ

Straight answers.

Is down payment help only for this area?

No. I work DPA programs all over Florida, city, county and statewide, wherever you're buying. I check which ones fit you and pair them with the right loan. Start with a free DPA check.

Can I buy a Tampa rental with a DSCR loan?

Yes. A DSCR loan qualifies on the property's rent instead of your personal income. In Tampa Bay the insurance quote often decides whether the numbers work, so I look at that first.

Do you finance new construction in Riverview or Wesley Chapel?

Yes. I finance purchases in new communities, and I can compare your builder's lender offer. I also arrange construction and lot loans for people building on their own land.

Do you work in St. Petersburg and Clearwater too?

Yes. I lend across the whole Tampa Bay area and all of Florida, and on investment loans in select states nationwide.

Let's talk about your Tampa move.

Twenty seconds to start, and you'll hear from me, not an assistant.

Get started →Call 352‑279‑5258Apply online