Conventional Loan Tampa, Wesley Chapel and Throughout All Of Florida

Conventional Loan in Tampa, Wesley Chapel and all of Florida – Helping You Get Approved For Your Home Loan or Refinance Quickly and Easily

Conventional loan Tampa Florida – Mortgage Loan Originator, Gem Goktepe has been helping families buy their dream homes for over 20 years. We are passionate about helping everyone enjoy the American dream of owning their own home.

Our extensive experience and resources allow us to help make people’s dreams come true by helping them get approved for a conventional home loan so they can buy the home of their dreams at the lowest available interest rates on the market.

We are happy to announce that conventional home loan and refinance interest rates are the lowest they’ve been in 50 years! With interest rates so low, now is the time to apply for a home loan to lock in your mortgage rate at the lowest rates on the market so you can have easy, low monthly payments and can save money every month.

We are the leading mortgage lender in Tampa, Florida and we are proud to have helped thousands of families get approved to buy their dream homes. We are passionate about helping make home ownership possible for everyone at the best possible interest rates.

We pride ourselves on being the fastest mortgage company to process your loan application, and we make the entire loan approval process fast and stress-free for you even if you have been told you do not qualify!

Gem Goktepe specializes in helping non-qualified applicants, and can help you obtain your conventional loan quickly and easily. To get started with your application call us today with no obligation, and no commitment at (813) 771-9700…our conventional loan experts are ready to help you!

Best Mortgage Lender In Tampa Florida Helped Dina Get Approved In Only 8 Days Even When Her Bank Said “No”

Best mortgage lender in Tampa Florida, Pioneer Mortgage Funding, Inc. and Mortgage Loan Originator, Gem Goktepe helped their self-employed client, Dina, get approved for a self-employed loan within only 8 days.

Dina had been trying to get a loan through her bank for a few weeks without any luck. However, working with Gem Goktepe who specializes in self-employed loans and bank statement loans, Dina got approved quickly and easily.

Gem is an expert in helping people get approved, even when other lenders have said “No.”

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.

Our home mortgage experts are here for you and ready to help you get your conventional home loan at the lowest interest rate possible. You could be approved within a few days. Click the button below to get started by contacting us now!

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We Are Happy To Have Helped Thousands Of Clients With Their Conventional Home Loans

We are honored to have helped thousands of homeowners throughout Florida get approved for their mortgage or refinance…all at the lowest rates available on the market today!

We are happy to provide unsurpassed lending services to clients anywhere in Florida, including Tampa, Wesley Chapel, Land O’ Lakes, Lutz, Odessa, Dade City, Lakeland, Orlando, St. Petersburg, Clearwater, Sarasota, Naples just to name a few.

Here is what our clients have to say about how Mortgage Loan Originator, Gem Goktepe helped them with their residential loans, refinance loans, home equity loans, commercial loans and special loans such as self-employed loans, bank statement loans, no-income loans, second chance (bankruptcy) loans, divorce refinance and jumbo loans (reviews as seen on Gem Goktepe’s Zillow Profile).

Mortgage Broker in Tampa Florida and Wesley Chapel FL

“I’m happy to have helped thousands of happy clients get approved for their loans quickly and easily, and I’m excited to help you too!”

Gem Goktepe – Mortgage Loan Originator MLS#1812307

Gem Goktepe Reviews

A true gentleman and a professional. Gem went out of his way to get me the best insurance. on the day of my closing I was short $2500.00. Gem sacrificed and paid for me free of charge to help me close on the house I was buying. Gem will take his time and explain every step of the buying process he is very polite and treats you like a family member. An awesome gentleman I have known he is the best in the business and you can call him anytime and trust me Gem will answer you. I highly recommend him. With Gem you can not go wrong, he will make sure you get the best rate and above all Gem takes your business very personal to him. Even after closing he is still available to offer any help you might need. Sir thanks for all you do again am very grateful for meeting you. Your generosity is above par. Thank you!

Sirghart - Grayson, GA (First Time Home Buyer, Conventional Loan)

I want to thank Gem for his help in getting my loan approved. He prepared me in advance for everything that was going to happen and everything that was going to be required. As a self-employed individual, getting approval is not so simple, but he helped get me approved. He made the whole process quick and easy. I highly recommend Gem for your lending needs, especially if you have a challenging situation. Gem was a pleasure to work with as well…very accommodating and efficient.

Dina R. - Lutz, FL (Self-Employed, Conventional Loan)

We are self employed couple and always had issues getting a mortgage, Gem worked with us over and beyond call of duty and secured a conventional mortgage at an excellent rate, and closed on time. Highly recommended.

Eddie Maner - Wesley Chapel, FL (Self-Employed, Conventional Loan)

Mr. Goktepe was great from the start to finish. Not only did Gem fight to get us the best rate possible, it was stress free the whole way through. I would highly recommend anyone looking to buy a home to let Gem help you get you into your dream home. I’m very happy I did. Thanks Gem!😎

Nick Rice - Land O' Lakes, FL (First Time Home Buyer, Conventional Loan)

Gem is a great mortgage broker to work with!! He was able to get me such a great rate for my home loan. He is knowledgeable and explains everything thoroughly. The loan process can be very overwhelming and confusing but Gem made the process easy and stress free. He always picks up the phone right away when you call with a question. He will help you determine the best plan for you and your finances.

Jonyelle Kreider - Land O' Lakes, FL (Conventional Loan)

This was the second time we worked with Gem. First he helped us to buy an investment property and this time with our primary residence. There was a reason we chose to work with Gem again; he definitely knows what he is doing! He helped us close in such a short time with a great rate! He is always there to help with any questions you have. We will definitely work with him again! We highly recommend Gem to anyone looking for a lender.

Burak Zivali - Wesley Chapel, FL (Conventional Loan)

Since I am not experienced, Gem answered all my questions and helped with all my concerns. He closed my loan in a very short time which allowed me to buy the property I liked. He is a very knowledgeable and trustable person. Recommend everyone who wants to get a loan in a very short time.

Client - Tampa, FL (Conventional Loan)

Gem was able to get my financing completed, at a reasonable rate and without any significant hassle. I even had to request additional funding approval after the first house fell through for needed repairs and he made it happen. Couldn’t have asked for anything more.

Kristen Spence - Tampa, FL (Conventional Loan)

What is a Conventional home loan?

A conventional home loan is a mortgage that is not guaranteed by the U.S. Government. A conventional home loan usually follows the guidelines of Fannie Mae and Freddie Mac. Conventional mortgage loans may be conforming or non-conforming. Non-conforming loans don’t meet the guidelines of Fannie Mae or Freddie Mac but are still considered conventional mortgages. Conventional mortgage loans can be fixed or adjustable.

Get started on your conventional mortgage application today!

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Conventional Loan Benefits

Conventional mortgages are a great option for people with a good credit score, who have the cash for a considerable down payment and who are applying for higher loan amounts.

Conventional home loans allow for more flexible payment options as well. With a conventional home loan, our mortgage expert Gem Goktepe can help you get the best possible interest rates, helping to keep your monthly payments as low as possible.

Conventional home loans offer the following benefits:

Flexible loan amounts

Unlike FHA and USDA mortgages that have maximum limits on the home loan amount, conventional mortgages are much more flexible when it comes to the loan amounts. Maximum loan amounts for conventional mortgages vary based on the down payment amount, credit score, income, cash available and other eligibility factors.

Low monthly mortgage insurance

In comparison to an FHA home loans, conventional home loans typically require significantly lower monthly mortgage insurance costs. The higher your down payment and the higher your credit score, the lower your mortgage insurance. This will help keep your initial costs and monthly costs down, saving you money in the long term.

Available for various property types

Conventional loans can be approved for a variety of different property types. Unlike government backed loans such as FHA and USDA mortgages, conventional mortgages can be used for primary homes, second homes as well as for investment properties.

Competitive interest rates

With conventional home loans you can have a fixed rate mortgage or an adjustable rate mortgage (ARM). With a fixed rate mortgage, your interest rate stays the same during the entire loan period. Whereas with an ARM, interest rates may change during the life of the loan.

Conventional Loan Requirements

As compared to the Government mortgage programs (VA loans, FHA loans and USDA loans) which are available to help a wide variety of people get approved for loans, conventional loan approval has somewhat more stringent requirements.

You may qualify for a conventional home loan in Florida if you meet the following requirements:

  • Relatively good credit score (640 or above), however lower credit scores may be considered based on other factors;
  • You are able to make a down payment of at least 3% of the loan amount;
  • You are able to show steady income to cover the cost of your loan and self-employed individuals will need to supply two years of tax returns;
  • Your debt-to-income ratio should be no more than 45%, but can go up to 50% in limited cases;

We are proud to have helped thousands of families throughout the state of Florida make their dreams of owning a home a reality by helping them with their conventional loan applications.

Our mortgage experts have extensive experience and will take the time to sit with you and determine your eligibility for a conventional home loan as well as inform about the best down payment and monthly payment options…all at the most competitive interest rates available on the market today.

As a first step in determining your eligibility for a conventional mortgage or refinance, we are happy to offer you a free consultation where you will sit one-on-one with our mortgage expert, Gem Goktepe to discuss the details of your eligibility. Give Gem a call now at (813) 771-9700 to schedule your free consultation.

Conventional Mortgage & Refinance Rates

Our mortgage lenders can get you the best mortgage rates guaranteed, with no hidden fees. Our mortgage experts can help get you mortgage rates as low as 2.875%.

Having access to a wide range of investment tools and products allows us to offer some of the lowest current mortgage rates in the United States.

We can help you possibly save hundreds of dollars a month. Speak directly with our home loan experts right now by calling (813) 771-9700.

Conventional Mortgage Calculator

For your convenience, you can calculate your estimated monthly mortgage payments using the home loan calculator below. You have the option of having the PDF of the estimated monthly principal and interest payment schedule emailed directly to you as well.

Simply fill out the form below by editing the numbers according to your mortgage amount, estimated interest rate, down payment and terms and click “Calculate” and an amortization schedule will be generated.

Conventional Mortgage Calculator
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How To Apply For Your Conventional Home Loan

Our conventional loan specialists make your home loan application process as quick and easy as possible. With our vast experience, expertise and resources we are able to streamline the whole loan application and approval process to make it faster, easier, and hassle-free. You can start the process of your mortgage application right now by simply filling out the form below:

Start The Process For Your Conventional Home Loan Now

Our mortgage lenders are passionate about helping people just like you make their dreams of home ownership come true! To get started with the process of your home loan application, simply fill out the form below and our mortgage specialist, Mortgage Loan Originator, Gem Goktepe will contact you shortly:


    Mortgage Broker For Conventional Loans In Tampa - Directions To Pioneer Mortgage Funding, Inc.