Tampa Mortgage Broker | Florida VA Construction & Nationwide DSCR Loans

Florida mortgages structured like a local — not a call center.

Melvin List · NMLS #243087 · Tampa-based Serving all of Florida for consumer loans + nationwide DSCR

Call or text: (813) 629-5478

Looking to buy, refinance, build a custom home with your VA benefit, or finance investment property on rental income? You work directly with an experienced local loan officer who knows Florida insurance, taxes, permitting, and underwriting — not a national call center.

How Can We Help You Today?

• Purchase — Buy a home in Florida (VA, FHA, conventional, jumbo, USDA)
• Refinance — Rate/term, cash-out, or streamline
• Build — Florida VA One-Time Close Construction (land + build + permanent in one closing)
• Invest — Nationwide DSCR loans that qualify on rent, not tax returns

Call or text (813) 629-5478 with your scenario for a real loan structure — not a teaser rate.

Florida VA One-Time Close Construction Loans

Most lenders avoid true VA one-time close construction because of draws, builder requirements, and Florida permitting. We specialize in it.

A VA one-time close construction loan lets eligible veterans, active-duty service members, and surviving spouses:

• Buy land (or use owned-lot equity)
• Build a primary residence
• Convert to a permanent VA loan
• All in one closing

Benefits:

• Often $0 down with full entitlement
• No monthly mortgage insurance
• Rate locked at the start of construction
• No payments during the build
• Builder paid on inspection-based draws
• Automatic conversion to a permanent VA loan at certificate of occupancy — no second closing or re-qualification

Primary residence only. Must use a lender-approved general contractor. Available statewide in Florida, including Tampa Bay, Jacksonville, Space Coast, Southwest Florida, and MacDill-area veterans.

Loan Programs We Offer

Florida consumer mortgages:

• VA Loans (purchase and refinance)
• VA One-Time Close Construction
• FHA
• USDA
• Conventional and Jumbo
• Reverse Mortgage (HECM)
• Non-QM (bank statement, ITIN, foreign national, asset-based)
• Bridge loans
• Physician / Doctor loans (when available)

Nationwide: DSCR investment-property loans that qualify on rental income vs. PITIA — not personal tax returns.

Why Work With a Local Tampa Mortgage Broker?

Melvin List is a 5th-generation Tampa native and has been a mortgage loan officer since 1996. He originates with C2 Financial Corporation (NMLS #135622) and holds Florida license LO524.

You get:

• Direct access to the loan officer
• Realistic Florida insurance and property tax assumptions
• Knowledge of county permitting timelines that affect construction loans
• Honest feedback on what will and will not clear underwriting
• Fast responses by text, call, or email