FHA Loans in Tampa and Throughout All of Florida

FHA Loans in Tampa and Throughout All of Florida To Help First Time Home Buyers Buy A Home

FHA Loans in Tampa Florida – Mortgage Loan Originator Gem Goktepe is passionate about making your home-buying dreams come true by helping you get approved for an FHA loan in Tampa or anywhere in the State of Florida. With the help of the FHA (Federal Housing Administration) and the FHA approved lenders at Pioneer Mortgage Funding, you can affordably live the American dream and buy that beautiful home you’ve always wanted. With an FHA mortgage, you can buy your home with a down payment of as little as 3.5% of the home value. Florida FHA loan approval is much easier than conventional loan approval for people with lower income and lower credit scores.

Whether you have found the home you want to buy or you would like to refinance your current home, our FHA lenders in Tampa are ready to talk with you and help you get approved for an FHA mortgage loan. Florida FHA loan expert Gem Goktepe will help make the FHA loan application process quick and easy for you. With over 20 years of experience, you can count on Gem to make getting your FHA loan approved a reality. Gem is happy to provide you with a free consultation to discuss how you can get started with your FHA loan application. Give Mortgage Loan Originator Gem Goktepe a call now at (813) 771-9700 to lock in your your interest rate in at the lowest rate on the market.

Best 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 first-time home buyer has specific needs and a unique financial situation, 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 FHA home loan approved at the lowest interest rate possible. You could be approved within just 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 FHA Loans in Tampa

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

We 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 FHA loans, 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 and Gem Goktepe’s Google Reviews).

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

Call Now For A Free Consultation – (813) 771-9700

Gem Goktepe Reviews

Didn’t think that my wife and I would qualify for a loan. They made the process easy for us to understand and easy to apply for it. Thank you for making our experience wonderful

Onurcan Sozkesen - Wesley Chapel, FL (FHA Loan, First Time Home Buyer)

Gem was all the things you want – really knew his stuff, helpful, responsive, and most importantly – PATIENT. Gem’s team was also very helpful and responsive. The whole process was easy and we were kept informed the whole way. I would highly recommend Gem to anyone looking to buy a home with someone who not only knows their stuff but has their best interest in mind.

Jacqueline Caballero - Town 'n' Country, FL (FHA Loan, First Time Home Buyer)

Gem made it possible for my parents to get a loan when they were in a difficult situation. We are very pleased with the outcome; my parents are in the perfect house for their needs.

R. Ernst - Ellijay, GA (FHA Loan, First Time Home Buyer)

I went with a previous lender it was a horrible experience I ended up losing the house I wanted. I called gem gektepe he got me approved right away, and he has the best team to work with. I closed on the home I wanted with a smile through the whole process. I strongly recommend him and his team. I will be using him again. He’s the best 🥳

Client - Gibsonton, FL (FHA Loan, First Time Home Buyer)

Gem is a great guy! Very compassionate towards his job and is always there to answer any questions. What he promises is what he delivers and I highly recommend him. Thank you for making my dreams come true!

Client - Thonotosassa, FL (FHA Loan, First Time Home Buyer)

Gem helped us with our mortgage. From the first day he was professional, courteous and knowledgeable. Our calls were always answered and we felt like we had an ally on our side throughout the process. In these days of fraud running rampant Gem went above and beyond to protect us every step of the way. We were able to close on time and received a great mortgage deal. If you are looking for a mortgage loan officer give Gem Goktepe a call. It will be one of the best decisions you will ever make. Home buying can be stressful but Gem made it the enjoyable and exciting experience that it should be.

Fred Ceruti - Town 'n' Country, FL (FHA Loan, First Time Home Buyer)

Gem is a great lender, made the process very easy. He is straightforward and works hard to get you a great deal with your mortgage. He helped me get my mortgage with a great rate. Gem is a very nice guy, and reliable. If there was any questions I had he would get back very quickly or take time to help me understand. I highly recommend him for a lender.

Cynthia - Temple Terrace, FL (FHA Loan, First Time Home Buyer)

Gem has excellent customer service, he is always working and available no matter the time!! Gem does an awesome job of taking the stress from the home buying process.

Robert Rutledge - Wesley Chapel, FL (FHA Loan, Low Credit Score)

Mr. Goktepe was very professional and very knowledgeable. He made a very hard decision run smoothly and closing on time. Mr. Goktepe is always around when you need him.

Manny R. - Wesley Chapel, FL (FHA Loan, First Time Home Buyer)

What is an FHA loan?

An FHA loan is a mortgage loan that is issued by the Federal Housing Administration (FHA) and is insured by the FHA. FHA loans are meant to encourage home ownership among consumers who wouldn’t usually be approved for a mortgage without the government’s backing, such as first time home buyers and home buyers who aren’t able to afford making a large down payment. The FHA sets the qualifying standards, dictates the terms of the mortgages offered and guarantees the loan. FHA home loans are provided by private lenders such as banks and mortgage companies.

Lock in the lowest interest rate for your FHA loan today!

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FHA Loan Benefits

In an effort to make home buying possible for first time home buyers, people with lower income and lower credit scores, the Federal Housing Administration has established FHA loan programs.

These FHA loan programs make it easier and more affordable for people to make their dreams of owning a home come true. There are several reasons why it is beneficial to take advantage of the FHA loan programs.

The FHA also makes it easier to refinance your current mortgage to help you lower your monthly payments and take advantage of today’s low, fixed interest rates.

FHA loans offer the following benefits:

Lower Credit & Income Requirements

The biggest benefit of an FHA mortgage loan is that you can still be approved even if your credit is less than perfect and your income level is low, making it easy to qualify for an FHA loan. This is also why FHA loans are a great option for first-time home buyers. As long as your credit score is 500 or higher, you can be approved for an FHA loan.

Low Down Payments

FHA mortgage loans allow you to purchase your home with a minimum down payment of as low as 3.5%. With an FHA mortgage loan, your minimum down payment amount depends on your credit score. For credit scores higher than 580, the minimum down payment is 3.5%. For credit scores between 500 and 579, the minimum down payment is 10%.

Low, Fixed Interest Rates

With FHA loans, interest rates are generally lower than conventional loan interest rates and are not tied to your credit score like conventional mortgage interest rates are. With interest rates already so low, we may be able to get you an interest rate as low as 2.875%. In addition, with an FHA loan your interest rate can be fixed rather than adjustable so you don’t have to worry about rates suddenly jumping and having a sudden increase in your monthly payments.

Lower Mortgage Insurance Payments

With an FHA loan, mortgage insurance is required.  The mortgage insurance is provided by the Federal Housing Administration to guarantee the loan amount.  Although mortgage insurance is required with an FHA loan, you may be able to keep your mortgage insurance as low as 0.5%.  This is much lower than conventional loan mortgage insurance, which is provided by private mortgage insurance companies.

FHA Loan Requirements

The Federal Housing Administration sets the rules for who may qualify for an FHA home loan, and issues minimum guidelines and requirements under which mortgages may be offered. FHA mortgage loans are one of the easiest types of loans to qualify for as their requirements are minimal.

You may qualify for an FHA loan in Florida if you meet the following requirements:

  • You have a credit score of 500 or higher.
  • If you have at least 2 established lines of credit such as a credit card or a car loan.
  • You may still qualify even if you have filed bankruptcy or suffered a foreclosure in the past.

We are passionate about helping people make their dreams of owning a home come true. With an FHA loan we can make your dream of owning a home come true even if your credit is less than perfect and your income is low.

Now you can lower your monthly payments and get out of your adjustable, high interest mortgage by allowing us to help you refinance your home with an FHA loan.

Gem Goktepe is a FHA loan expert and has extensive experience in helping people just like you. We are happy to take the time to sit with you and determine your eligibility for an FHA loan.

As a first step in determining your eligibility, we are happy to offer you a free FHA mortgage consultation to discuss the details of your eligibility. Give Gem a call now at (813) 771-9700 for your free consultation and to help you get started on your FHA loan application.

FHA Loan Rates

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. Our FHA loan lenders can get you the best FHA loan rates, as low as 2.875%, with no hidden fees.

We can help you save hundreds of dollars a month. Speak directly with our FHA loan expert, Gem Goktepe right now by calling (813) 771-9700.

FHA Mortgage Calculator

For your convenience, you can calculate your estimated monthly mortgage payments using the FHA 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.

FHA Mortgage Calculator

How To Apply For Your FHA Loan

Our FHA loan specialists will help make your FHA 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 for our first time home buyers to make it faster, easier, and hassle-free. You can get started on your FHA loan application process today by contacting Gem right now! Simply fill out the form below and Gem will get in touch with you shortly:

Start The Process For Your FHA Loan Application Now

Our FHA mortgage lenders are passionate about helping first time home buyers, home buyers with less than perfect credit and lower income home buyers purchase a new home affordably and easily! To get started with your FHA mortgage loan application, simply fill out the form below and FHA mortgage specialist Gem Goktepe will contact you shortly:

    Lender For FHA Loans In Tampa - Directions To Pioneer Mortgage Funding, Inc.