Mortgage Broker in Tampa, FL | VA, FHA, Conventional & Investor Loans

About Mike Neill 

Mike Neill is a Tampa, FL mortgage broker helping homebuyers, veterans, and real estate investors secure the right financing with confidence.

Serving Tampa, Brandon, Riverview, Valrico, Lithia, St. Petersburg, and the greater Tampa Bay area, Mike provides personalized loan solutions designed around your goals—not a one-size-fits-all approach.

As a veteran-owned mortgage professional, Mike understands the importance of clear guidance, strong communication, and getting deals done on time. Whether you’re buying your first home, moving up, or investing in real estate, you’ll have a trusted partner every step of the way.

Home Loan Solutions in Tampa Bay

Mike specializes in a wide range of mortgage programs, including:

• VA Loans (0% down options for eligible veterans)
• FHA Loans for first-time homebuyers
• Conventional Loans with competitive rates
• Investor & DSCR Loans for rental properties
• Cash-Out Refinance & Home Equity Solutions
• Low Down Payment Programs & Down Payment Assistance

If you’re searching for a mortgage broker in Tampa or exploring home loans in the Tampa Bay area, Mike will help you compare options and choose the right strategy.

A Passion for Serving Veterans

As a veteran himself, Mike is passionate about helping fellow service members maximize their benefits through VA home loans in Florida, including zero down payment options and flexible qualification guidelines.

A Trusted Partner for Buyers & Realtors

Mike works closely with local Tampa Bay realtors to ensure a smooth and successful transaction:

• Competitive financing options tailored to each client
• Clear, proactive communication from start to finish
• Fast pre-approvals to strengthen offers
• Smooth, on-time closings

Why Work with Mike Neill?

• Local Tampa Bay mortgage expert
• Veteran-owned and service-driven
• Access to wholesale lender pricing (more options, better flexibility)
• Specialized in VA, first-time buyer, and investor loans
• Personalized, relationship-focused approach
• Committed to a smooth, stress-free process

Serving the Greater Tampa Bay Area

Proudly helping clients in:
Tampa, Brandon, Riverview, Valrico, Lithia, St. Petersburg, and surrounding communities

Frequently Asked Questions

How much do I need for a down payment?
Many buyers qualify for options as low as 0%–3.5% down depending on the loan program.

What credit score is needed to buy a home?
Loan options are available for a wide range of credit profiles. Mike can help you understand what you qualify for.

Are VA loans really 0% down?
Yes—eligible veterans can purchase with no down payment and no monthly mortgage insurance.

How do I get pre-approved in Tampa?
Reach out directly to Mike to start a quick and simple pre-approval process.