Best Mortgage Ever
Florida’s Premier Mortgage Broker: Low Rates, Fast Closings
Secure your financial future with the best mortgage rates in Florida. At Custom Rate Mortgage, we’ve eliminated the red tape to provide a faster, more affordable way to fund your home.
As a top-rated mortgage broker in Tampa Bay and St. Petersburg, we leverage an extensive lender network to find you the lowest possible rates in record time.
Florida’s Premier Mortgage Broker: Low Rates, Fast Closings
Unmatched Savings
We aggressively shop for the lowest rates available in the Florida market.
Accelerated Speed
Our digital-first approach means faster approvals and shorter closing times.
Local Expertise
Deeply rooted in Tampa Bay, we understand the unique Florida real estate landscape.
Don’t settle for “standard” rates. Get a custom mortgage solution built for speed and maximum savings today.
WHY US
Why Choose Custom Rate Mortgage?
We’re more than just another mortgage loan broker. We’re your partner in the home-buying or refinancing journey. Here’s why homeowners and loan officers choose us:
5-Star Google Rated
Our 100% 5-Star Google Reviews is built on real results and happy clients across the state of Florida.
Personalized Options
From FHA to Jumbo, we find the best mortgage for your situation.
Transparent Guidance
No jargon, no hidden fees, just clear answers.
Zero Impact on Credit
Free pre-approvals without lowering your score.
Technology That Works
Secure online portals make the process fast and stress-free.
The old way of doing business was built for profit, not people. Big lenders stacked huge profit margins into every loan, so borrowers lost before they even started. At Custom Rate Mortgage, we decided to change that.
Founded by experienced loan officers and built for borrowers, we operate on some of the slimmest company margins in the industry. That means we can pass the savings directly to you with some of the lowest mortgage rates in the country, literally on every loan.
BENEFITS
When you choose us as your mortgage company, you’re choosing:
Lower Rates
Our slim margins mean more savings in your pocket.
Local Expertise
Local mortgage professionals who know your market.
Personalized Options
From FHA to Jumbo, we design a mortgage around you.
Clear, Honest Advice
No hidden fees, no industry jargon, just straight talk.
Smart Technology
A secure, easy-to-use mortgage portal for fast approvals.
With Custom Rate Mortgage, the power shifts back to you!
Custom Rate
Services
Home Loans and Mortgages
We help you secure the right loan with confidence:
- Fixed-Rate Mortgages (FRM) – Stable payments that never change.
- Adjustable-Rate Mortgages (ARM) – Flexible options with lower starting rates.
- FHA Loans – Ideal for first-time buyers with low down payments
- VA Loans – Exclusive benefits for veterans and active military.
- USDA Loans – Affordable loans for rural and suburban buyers.
- Jumbo Loans – Financing for luxury and high-value, dream homes.
- Conventional Loans – Standard options with competitive rates.
Specialty Loans
Unique solutions for every lifestyle:
- Investment Property Loans – Build wealth with rental real estate.
- Second Home Loans – Secure financing for your dream vacation property.
- Construction Loans – From lot to build, we finance your project.
- Home Equity Loans & HELOCs – Access funds without selling your home.
- Reverse Mortgages – A smart option for retirees seeking financial freedom.
Refinancing Options
Lower your payments or unlock your equity:
- Rate-and-Term Refinance – Reduce your interest rate and monthly payment.
- Cash-Out Refinance – Use your home’s equity for big expenses or debt payoff.
- Streamline Refinance – Quick and simple refinancing with less paperwork.
Custom Rate
Pick and Click
Custom Rate and See
Get your FREE, fully-verified pre-approval, with no impact to your credit score.
Lo Comp Calculator
If you're a loan officer, see how a Custom Rate can improve your career.
Realtors Unite
See what our lending partners can do for you and your clients.
Contact Us
Contact Custom Rate Mortgage Today!
Getting started is easy, and it won’t impact your credit score.
Call or Text
Free Pre-Approval
Secure your custom rate today
Custom Rate Mortgage Portal
Impact to Credit Score
ZERO!
Just Getting Started?
Click our Secure Custom Rate Connection Link, all it takes is about 60 seconds.
Seeing Is Believing
What Our Clients Say
Shane G.
“Custom Rate Mortgage was recommended by our realtor and I am very pleased he did! They made sure I was well informed throughout the whole process and put a lot of my worries at ease. would definitely recommend them and will use them again in the future!”
Dave M.
“Custom Rate Mortgage provides top-notch service from start to finish. Best rates and best service out there. Just when you think you have the best deal. Reach out to Custom Rate Mortgage to see if they can beat it. No one in the industry compares, they are in a league of their own.”
James S.
“As a realtor I've had many clients use Brian and his team for their financing needs. Brian is responsive and always competitive. I've had plenty of situations where big bank lenders are unable to get the loan done but Brian and his team can. Would highly recommend!”
Our reputation is built on real results and happy clients across Tampa Bay and throughout the state of Florida.
A Team Dedicated to You
In a fast-moving market like Florida, speed is your greatest asset. At Custom Rate Mortgage, we combine industry-leading technology with localized expertise to deliver really low rates that big banks can’t match.
Rapid Results: We prioritize speed at every stage, ensuring your loan moves from application to closing without the typical delays.
Maximum Savings: Our mission is simple, find the lowest interest rates for homeowners throughout the state.
Integrity First: No hidden fees. Just transparent, expert guidance from licensed professionals committed to your financial success.
Experience the difference of a mortgage partner that values your time as much as your investment.
MEET THE TEAM
BRIAN ADAMS
President
Principal Loan Officer
St. Petersburg, FL
NMLS 1613207
ALBI KAJLICA
Vice President
Executive Loan Officer
St. Petersburg, FL
NMLS 1987475
ERIK BUTZEK
Regional Director
Sr. Loan Officer
Tampa, FL
NMLS 1341386
CHAD FRANCKS
Sr. Loan Officer
Champions Gate, FL
NMLS 1816488
REGINA STEARNS
Sr. Loan Officer
Lakeland, FL
NMLS 391594
YOANNY PEREZ CASTILLO
Sr. Loan Officer
St. Petersburg, FL
NMLS 1720270
DEVIN TUCK
Mortgage Loan Officer
Lutz, FL
NMLS 1894357
SHANTE PUGH
Mortgage Loan Officer
Lake Wales, FL
NMLS 2433790
PATRICK MCGHEE
Mortgage Loan Officer
Winter Haven, FL
NMLS 2375367
AUTUMN STRICKLAND
Sr. Loan Officer
Lithia, FL
NMLS 1516184
MATT KREGER
Mortgage Loan Officer
St. Petersburg, FL
NMLS 2584737
CIMONE WATSON
Mortgage Loan Officer
Lakeland, FL
NMLS 2334179
LEANNE FIGUEROA
Mortgage Loan Officer
Lakewood Ranch, FL
NMLS 2386255
COLE ORFORD
Mortgage Loan Officer
St. Petersburg, FL
NMLS 2608113
CHRIS DELLAPA
Sr. Loan Officer
Lakeland, FL
NMLS 1267961
WYATT BURNETT
Mortgage Loan Officer
Lakeland, FL
NMLS 2491859
KATRINA KERBER
Mortgage Loan Officer
St.Petersburg, FL
NMLS 2637092
TY PARKER
Mortgage Loan Officer
TAMPA, FL
NMLS 2698457
JANET GARCIA
Sr. Loan Officer
Spring Hill, FL
NMLS 2048933
Our Team
Join Our Team of Loan Officers
Are you a motivated loan officer looking for a better way to serve clients? At Custom Rate Mortgage, we offer:
Supportive Team Culture
Vastly Higher Earning Potential
Profit Sharing
Recruiting Incetives
Whether you’re a seasoned mortgage financial advisor or just starting out, we provide the resources you need to succeed.
Finding the right mortgage shouldn’t be stressful. At Custom Rate Mortgage, we make it simple. As a trusted mortgage broker in Tampa Bay and throughout the State of Florida, we help home buyers in St. Petersburg and beyond get the best mortgage rates and loan options tailored to their needs.
Usefull Links
Contact Us
- (727) 210-5547
- Info@CustomRateMortgage.com
- 360 Central Ave, Ste. 470, St. Petersburg, FL 33701
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