Business Details
Your Trusted Mortgage Partner in Saint Petersburg, FL
Team Stapleton has been a trusted partner in home financing for over 60 years, serving Florida residents with personalized mortgage solutions. Our team combines deep local market knowledge with a commitment to transparency and client-centered service. We specialize in guiding first-time buyers, experienced homeowners, and retirees through the complexities of home financing, offering tailored options like FHA, VA, USDA, and conventional loans. Our expertise extends to refinancing, reverse mortgages, and specialized programs for Florida's unique real estate landscape.Founded by a former Air Force firefighter, we operate with integrity and a dedication to making homeownership accessible. With streamlined processes and a focus on education, we empower clients to make informed decisions that align with their financial goals. Our local presence ensures faster turnarounds, while our personalized approach treats every client like family. From application to closing, we prioritize clear communication, competitive rates, and a stress-free experience that turns home financing into a milestone rather than a transaction.
Services
FHA Loans
VA Loans
USDA Loans
Conventional Loans
Reverse Mortgages
Refinancing
Jumbo Loans
Home Equity Access
First-Time Buyer Programs
Debt Consolidation Refinance
Highlights and features
- We offer 60+ years of combined mortgage lending experience in Florida's real estate market.
- Our team provides personalized mortgage solutions tailored to unique financial situations.
- We guarantee transparent communication with no hidden fees or last-minute surprises.
- Our local expertise ensures faster turnarounds for appraisals, underwriting, and closings.
- We specialize in first-time buyer programs and down payment assistance guidance.
What people say
Amazing home buying process
Quick to answer emails
Highly recommend Steve
Stress-free journey
Expert guidance
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with 3.5% down payments and flexible credit requirements. Ideal for first-time buyers or those with limited savings, these loans feature competitive rates and easier qualification standards. Our team streamlines the process to secure fast approvals for your new home purchase.
VA Loans
VA loans offer zero down payment options and no mortgage insurance requirements for eligible veterans and active-duty personnel. We specialize in simplifying VA loan applications to ensure military families achieve affordable homeownership with favorable terms and dedicated support throughout the process.
Reverse Mortgages
Reverse mortgages enable homeowners 62+ to convert home equity into tax-free cash without monthly payments. We provide HECM-certified solutions for retirement planning, offering lump sums, monthly payments, or credit lines while maintaining home ownership and security.
Refinancing
Our refinancing options help lower monthly payments, access home equity, or consolidate debt. We offer rate-and-term refinancing, cash-out solutions, and streamline processes for FHA/VA loans, ensuring competitive rates and reduced financial burdens for Florida homeowners.
USDA Loans
USDA loans provide 100% financing for eligible rural property buyers with no down payment required. We assist clients in qualifying for these specialized loans, which include seller credits for closing costs and favorable terms for qualifying locations across Florida.
People
Steve Stapleton
Branch Manager
With over 25 years of mortgage experience, Steve Stapleton founded our team after serving as a firefighter in the U.S. Air Force. His commitment to service and integrity drives our client-first approach, ensuring expert guidance for home purchases and refinancing.
Amanda Stapleton
Operations Manager
Amanda Stapleton brings real estate development expertise to oversee our operations, ensuring efficient processes and exceptional client experiences. Her leadership guarantees smooth transactions from application to closing for all our mortgage services.
Questions
What types of mortgage loans do you offer?
We offer FHA, VA, USDA, conventional, jumbo, reverse mortgages, and refinancing options tailored to your financial situation.
How can first-time homebuyers qualify for assistance programs?
We guide clients through Florida's down payment assistance programs, FHA loans with 3.5% down, and VA loans with zero down payment.
What documents are needed for mortgage approval?
Typically, we require proof of income, tax returns, bank statements, and identification for a smooth application process.
How long does the mortgage approval process take?
Approval timelines vary but generally take 30-45 days, with our team working to expedite closings whenever possible.
Can I refinance my existing mortgage?
Yes, we offer rate-and-term refinancing, cash-out refinancing, and debt consolidation options to lower payments or access equity.
What is a reverse mortgage and who qualifies?
Reverse mortgages allow homeowners 62+ to access equity without monthly payments, with eligibility based on age and home equity.
