FHA loans are often a good choice for first-time buyers because they require lower down payments and have flexible credit guidelines.
Purchase a Home with Custom Rate Mortgage
Working to Help You Find the Best Loan
Lock In Florida’s Lowest Rates & Close Your Home Loan Faster
Buying a home in the competitive Florida market requires more than just a pre-approval, it requires speed and the financial edge of a really low rate. At Custom Rate Mortgage, we specialize in cutting through the red tape to deliver the most competitive home loans in St. Petersburg, Clearwater, Tampa Bay, and across the entire State of Florida.
We don’t just find you a loan; we secure a custom financial solution designed to increase your long-term savings. Our streamlined process is streamlined, ensuring you can make an offer with confidence and close on your dream home without unnecessary delays.
Don’t let high interest rates or slow lenders stand in your way. Experience the power of a mortgage partner that prioritizes your budget and your timeline.
process
Types of Loans
There’s no “one-size-fits-all” when it comes to financing your home. Here are some of the most common types of mortgage loans we offer:
Fixed-Rate Mortgage
A fixed loan rate mortgage is one of the simplest and most stable loan options. Your interest rate stays the same for the entire life of the loan, which means your monthly payments never change. Many home buyers choose this option because it offers predictability and peace of mind, perfect if you plan to stay in your home long-term.
Adjustable-Rate Mortgage (ARM)
An adjustable mortgage rate loan offers a lower initial rate than most fixed loans, which can make it easier to qualify and save money in the early years. After the introductory period, the rate adjusts based on market conditions.
ARMs can be a smart choice if you don’t plan on staying in your home forever, or if you want to take advantage of lower adjustable rate mortgage rates before refinancing later.
Conventional Mortgage
A conventional home loan is one of the most popular choices for buyers with good credit and stable income. With flexible down payment options and competitive conventional loan interest rates, this loan type works for many families looking to buy a home.
VA Mortgage
Backed by the U.S. Department of Veterans Affairs, a VA loan is designed for eligible veterans, active-duty service members, and their families. Benefits often include no down payment, no private mortgage insurance (PMI), and low adjustable rate mortgage rates.
FHA Mortgage Home Loan
An FHA loan is great for first-time buyers or those with lower credit scores. It offers more flexible qualification requirements and smaller down payment options. FHA loans are even available for manufactured or mobile homes with the right qualifications.
Non-QM Loans
Not everyone fits into the standard mortgage box. Non-QM loans (non-qualified mortgages) are designed for self-employed buyers, investors, or those with unique financial situations. These provide flexibility when traditional loans aren’t the right fit.
Jumbo Mortgage Program
Looking to purchase a high-value property? A jumbo mortgage may be the right solution. This type of loan goes beyond standard limits and offers financing for luxury homes and larger properties.
Renovation Mortgage
A renovation mortgage allows you to roll the cost of home improvements into your purchase loan. It’s a smart choice if you’re buying a home that needs upgrades, repairs, or modern touches.
USDA Mortgage
Backed by the U.S. Department of Agriculture, a USDA loan supports buyers in eligible rural and suburban areas. Often requiring no down payment and offering low interest rates, USDA mortgages are a great way to finance a home outside the city.
Our Team
Why Work with Custom Rate Mortgage?
Choosing the right loan is important, but choosing the right partner matters even more. At Custom Rate Mortgage, we’ve built a reputation for fairness, transparency, and results.
Here’s why homeowners choose us:
Local Expertise
We know the Florida housing market, especially in the St. Petersburg and Tampa Bay areas.
Custom Mortgage Rates
By operating with some of the slimmest company margins in the industry, we deliver some of the lowest rates in the country.
Fast, Secure Technology
Our digital tools make applying for a loan simple, safe, and quick.
Personalized Options
From conventional mortgage lenders to specialized programs, we match you with the right solution for your needs.
With us, you’re never just another file, you’re a valued client, and we’re committed to helping you feel comfortable every step of the way.
FAQs
Frequently Asked Questions
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What type of mortgage loan is best for first-time buyers?
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How do I know if I qualify for a VA loan?
If you’re an active-duty service member, veteran, or eligible surviving spouse, you may qualify. We’ll guide you through the eligibility requirements.
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What’s the difference between a conventional loan and a jumbo loan?
A conventional loan covers properties within standard lending limits, while a jumbo loan is for higher-priced homes that exceed those limits.
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Can I use a renovation mortgage for small repairs?
Renovation loans can cover everything from minor upgrades to major remodels, rolled into your purchase loan.
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Are USDA loans only for farms or rural land?
USDA loans are for eligible homes in designated rural and suburban areas, making them a great option for many Tampa Bay buyers.
Contact Custom Rate Mortgage to Find the Best Loan for Your Dream Home Today!
Buying a home is a big step, but getting the right loan doesn’t have to be overwhelming. At Custom Rate Mortgage, we make it easy, clear, and stress-free. Whether you’re ready to apply or just starting to explore your purchase loan options, we’ll guide you every step of the way.
reach out
When you reach out, here’s what you can expect:
Free Pre-Approval
See your buying power with zero impact to your credit score.
Custom Mortgage Portal
A safe, secure, and simple way to track your loan, upload documents, and get updates in real time.
Quick Start Options
Just getting started? Use our secure connection link and share the basics in about 60 seconds; it’s that easy.
Personalized Support
From explaining the different types of home mortgages to helping you compare rates, our licensed professionals are here to answer every question.
No matter where you are in your journey, researching types of mortgage loans, comparing conventional home loan rates, or getting ready to make an offer, we’re here to help you secure the Best. Mortgage. Ever.
Contact Us
Take the first step today and feel confident knowing you have the right partner by your side.
Call or Text
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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