Tampa MORTGAGE LOAN OFFICER

Hi, I'm Jose Sampoll

As a member of the United States Army I have dedicated my life to serving and helping others. That’s no different to the last decade or so I have spent helping families make the home-ownership dream come true.

Take the Next Step in Tampa Home Financing

Whether you’re ready to get pre-qualified, explore refinancing options, or check today’s mortgage rates, we’re here to assist you. Let us help you find the best solutions tailored to your needs, making the process simple and straightforward.

Get Pre-Qualified

Get pre-qualified for a mortgage today and take the first step toward homeownership.

Refinance Rate Quote

Get a refinance rate quote and discover how much you can save today!

First Time Home Buyer Guide

Explore our First-Time Home Buyer Guide and learn about buying a home.

Feeling Overwhelmed by the Mortgage Process?

Buying a home is one of the biggest financial decisions you’ll ever make, but the mortgage process can feel confusing and overwhelming. With so many loan options, complicated terms, and varying rates, it’s easy to feel stuck, unsure of where to start, or worried you might make a costly mistake.

Maybe you're Wonder?

  • Am I getting the best rate?

  • Do I have enough for a down payment?

  • Will my credit score affect my options?

  • What loan is actually right for me?

Without expert guidance, these questions can lead to unnecessary stress and delays, preventing you from moving forward with confidence.

Why Choose Jose Sampoll?

At Salute Home Lending, we believe the mortgage process should be simple, transparent, and tailored to you. Unlike big banks, we work as mortgage brokers, giving us the flexibility to shop multiple lenders and find the best rates and terms for your unique situation.

Here’s how we make the difference:

  • More Options, Better Rates: As brokers, we have access to a wide network of lenders, allowing us to compare rates and present you with the best options—saving you both time and money.

  • Personalized Service: You’re more than just a number to us. We take the time to understand your financial goals and guide you every step of the way, offering advice that’s in your best interest.

  • Lower Fees, No Surprises: We work hard to find lenders that offer competitive rates with lower fees, ensuring you won’t be caught off guard by hidden costs.

Tampa Mortgage Loans

At Salute Home Lending, we offer a range of mortgage loan programs tailored to meet your specific needs. Whether you’re buying your first home, investing in real estate, or looking to refinance, we have options that fit your financial situation.

Conventional Loans

A Conventional Loan is ideal for homebuyers with good credit and a stable income. This loan offers flexible terms and competitive rates, making it a great choice for those with a solid financial background who want to avoid mortgage insurance.

FHA Loans

FHA Loans are designed to help first-time homebuyers or those with lower credit scores. Backed by the Federal Housing Administration, this loan offers more lenient qualification requirements, lower down payments, and more flexible terms.

VA Loans

VA Loans are a great benefit for veterans, active-duty military members, and their families. These loans offer zero down payment options, no private mortgage insurance (PMI), and competitive interest rates to make homeownership more affordable for those who have served.

USDA Loans

USDA Rural Development Loans are perfect for buyers looking to purchase a home in rural or suburban areas. With no down payment required and lower mortgage insurance costs, this loan helps make homeownership accessible for eligible rural residents.

Investor Loans

Investor Loans are tailored for individuals looking to purchase residential properties, such as single-family homes or multi-unit rentals. These loans offer flexible terms and financing options, making it easier to grow your portfolio of investment properties and generate rental income.

Refinance Loans

Refinance Loans allow homeowners to lower their interest rate, reduce monthly payments, or access cash from their home’s equity. Whether you're looking to save on your mortgage or take advantage of better terms, refinancing can be a smart financial move.

Owning a Home in Tampa Starts Here

We’ve made the home buying process simple and stress-free with our 3-step plan. From discovering your loan options to getting pre-approved and finding your dream home, we’re here to guide you every step of the way.

1. Take the Home Buyer Quiz

Our simple home buyer quiz will show you what mortgage programs you qualify for. Answer a few questions to discover the best loan options for your financial situation.

2. Speak With a Mortgage Expert

One of our mortgage experts will guide you through your quiz results. You’ll get clarity on your expected payment, interest rate, down payment, and loan terms.

3. Start Shopping for Your New Home

With a pre-approval letter in hand, confidence in your budget, and our team by your side, you’ll be ready to start your home search with peace of mind.

Tampa Mortgage Calculator

We're Committed To

Our Clients Needs

Our clients’ satisfaction is our top priority, and we’re proud to share their experiences. From personalized guidance to seamless service, we strive to make every step of the process as smooth as possible. Don’t just take our word for it—read what our clients have to say about working with us and see why so many trust us with their important decisions.

STILL NOT SURE?

Frequently Asked Questions

We know that the mortgage process can raise a lot of questions. That’s why we’ve compiled a list of the most common questions we hear from homebuyers, along with clear answers to help you feel confident as you move forward. Whether you’re a first-time buyer or looking to refinance, we’re here to provide the information you need.

What credit score do I need to qualify for a mortgage?

Mortgage requirements vary by loan type, but generally, a credit score of 580 or higher will qualify you for FHA loans. Other loan types, such as conventional loans, typically require a higher score of 620 or more.

How much down payment do I need?

The required down payment depends on the loan type. Conventional loans typically require 3-20%, while FHA loans start as low as 3.5%. VA and USDA loans may offer no down payment options.

What’s the difference between pre-qualification and pre-approval?

Pre-qualification gives you an estimate of how much you might qualify for based on basic financial information, while pre-approval involves a deeper review of your finances and is a stronger commitment from the lender.

How long does the mortgage process take?

The mortgage process typically takes 14-30 days from application to closing, depending on factors like loan type, documentation, and the complexity of the transaction.

What are closing costs, and how much will they be?

Closing costs typically range from 2-5% of the loan amount and include fees for the loan, appraisal, title, and more. We’ll give you a detailed breakdown during the process.

Can I still get a mortgage with student loans or other debts?

Yes, as long as your debt-to-income (DTI) ratio meets the lender’s guidelines. This ratio compares your monthly debt payments to your income and helps determine your mortgage eligibility.

How do interest rates affect my mortgage?

Your interest rate will determine how much you pay over the life of the loan. A lower rate reduces your monthly payment and total interest paid, while a higher rate increases both.

What documents do I need for a mortgage application?

You’ll typically need recent pay stubs, tax returns, bank statements, and proof of any other income or assets. Exact documentation may vary based on your loan type.

Is a fixed-rate or adjustable-rate mortgage better for me?

A fixed-rate mortgage offers stability with consistent payments, while an adjustable-rate mortgage (ARM) starts with a lower rate that may adjust over time. We can help you decide based on your financial goals.

Can I lock in my interest rate?

Yes, you can lock in your interest rate during the mortgage process to protect yourself from rate increases while your loan is being processed.

Ready To See What You Qualify For?

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