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First time home buyer loans and programs in Tampa

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

99 firms with a Tampa office list first time home buyer loans and programs on their own sites: 41 mortgage lenders, 36 mortgage brokers, 14 banks, 8 credit unions. All are approved on the Florida license file or federally chartered. Claimed firms appear first, then firms with the most complete public data.

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Other loans in Tampa

Hillsborough County at a glance

Mortgage applications filed in 202564,877
Loans originated30,453
Denial rate18%
FHA share of originations18%
VA share10%
Investor and second home share10%
Dollar volume originated$11,570,545,000
2026 conforming loan limit, 1 unit$832,750
2026 FHA loan limit, 1 unit$541,287

As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Hillsborough County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.

Questions people ask

How many lenders offer first time home buyer loans and programs in Tampa?

99 firms licensed or chartered to lend in Florida with a Tampa office list first time home buyer loans and programs on their own websites as of October 15, 2026: 41 mortgage lenders, 36 mortgage brokers, 14 banks, 8 credit unions. Every firm here is approved on the Florida Office of Financial Regulation file or insured by the FDIC or NCUA; inactive licensees are never shown.

Should I use a broker or a lender for first time home buyer loans and programs?

Either can get you the loan. A mortgage lender funds it with its own money; a mortgage broker shops it to several lenders and does not fund it; a bank or credit union lends its own deposits. Each card says which kind the firm is. Compare at least two, and ask each whether it funds or brokers the loan.

What is the 2026 loan limit in Hillsborough County?

The 2026 conforming limit for a one-unit home in Hillsborough County is $832,750 and the FHA limit is $541,287. Above the conforming limit a loan is a jumbo loan.