Melvin List · NMLS 243087 · Florida LOLO524
Florida mortgages, structured like a local — not a call center.
5th-generation Tampa native and a mortgage loan officer since 1996. Tampa-based origination for VA, FHA, conventional, jumbo, reverse, non-QM, and VA one-time-close construction in Florida — plus nationwide DSCR for investment property that qualifies on rent, not tax returns.
- Service area
- Florida consumer · nationwide DSCR
- 2026 conforming limit
- $832,750 typical / $990,150 Monroe
- Direct line
- (813) 629-5478
Mortgage payment calculator
Florida-aware defaults: property tax near 0.85% and homeowners insurance that is not a national average. Results are hypothetical.
Estimated housing payment
$3,539
- Loan amount
- $403,750
- Principal & interest
- $2,552
- Taxes
- $301
- Insurance + flood
- $350
- PMI (est.)
- $336
Florida defaults: ~0.85% tax and elevated insurance. PMI estimate is conventional-style and drops at 80% LTV. Hypothetical. Not a commitment to lend.
Loan programs for Florida — and DSCR nationwide
Compare all programsVeterans · Active duty · Surviving spouses
VA loans
Often $0 down on a Florida primary home, no monthly PMI. Full entitlement generally means no VA county cap in 2026.
Florida specialty · One closing
Florida VA construction
Lot, builder draws, and a permanent VA mortgage in one closing. Wind, flood, and a licensed GC are the file.
Investment · 50 states · no personal DTI
DSCR (nationwide)
Qualify 1–4 unit rentals on rent vs PITIA. Business-purpose only. Overlay confirmed per property state.
Up to $35,000 assistance
Hometown Heroes
Florida Housing 0% deferred second — 5% of the first mortgage, max $35,000 in 2026. Not forgiven.
Why a Tampa loan officer for a Florida file
Insurance is underwriting
Wind, flood, and condo master policies can dwarf the P&I. We quote coverage with the pre-approval, not the week of closing.
Veterans build here
VA $0-down purchases and the Florida VA one-time construction loan are a specialty — lot, builder, draws, and a permanent VA mortgage in one closing.
Condos and second homes
Warrantability, investor concentration, and occupancy are where beach-county files live or die. We screen the building before you waive financing.
Company in San Diego. Market in Florida.
C2 Financial Corporation is headquartered in San Diego, California. That corporate license stays in place. Melvin is a Florida loan officer based in Tampa. No Tampa branch street is advertised.
Florida clients
More reviews“Melvin made our refinance a seamless process. We have been repeat clients and have always been impressed with his knowledge, professionalism, and follow-through. You will be in good hands.”
“He closed my VA purchase in just over 30 days — including a roof replacement mid-file. Seller delays on the appraisal did not stop him. He answers texts and calls. If you need someone who knows the business, he is the one.”
“I was working a delayed-financing cash-out shortly after purchase, with a messy income picture. Melvin handled every curveball without drama. Consummate professional.”
“Melvin is in Tampa and I live in Orlando. Distance was not a problem. We never met in person. Email and texts, questions answered, five-star refinance.”
FAQ
- Who originates loans here?
- Melvin List, a Florida mortgage loan officer (NMLS 243087, FL LO524) with C2 Financial Corporation (NMLS 135622, FL MBR3519 / MLD2635). He works from Tampa. Consumer mortgages are originated statewide in Florida. DSCR investment loans are placed nationwide as business-purpose debt. C2’s company headquarters is San Diego, California — that is the corporate license, not a claim that Melvin originates California consumer files from this site.
- Are you a Tampa branch of C2 Financial?
- No Tampa street address is advertised. Florida OFR treats an advertised address as a branch. Melvin is a Tampa-based Florida loan officer originating through C2’s Florida lender licenses. Company headquarters remains San Diego, CA.
- What loan programs do you offer in Florida?
- VA, VA one-time-close construction, FHA, USDA, conventional, jumbo, reverse (HECM), non-QM (bank statement, ITIN, foreign national), bridge, and Hometown Heroes when funds and eligibility allow. Physician loans when an investor overlay is open.
- Do you originate DSCR loans outside Florida?
- Yes. DSCR is a business-purpose loan placed nationwide through C2 Financial’s investor panel. Eligibility is the property state plus the current overlay — not a promise that every rural 4-unit or condo-hotel in every county will clear. Consumer mortgages (VA, FHA, conventional, HECM) are Florida origination only.
- What is the 2026 conforming loan limit in Tampa?
- The FHFA baseline one-unit conforming limit for 2026 is $832,750 in Hillsborough County and most of Florida. Monroe County is a high-cost exception at $990,150. FHA limits are lower — $541,287 for a one-unit in Hillsborough.
- Do you charge borrowers a broker fee?
- Compensation is disclosed on your Loan Estimate. We shop multiple wholesale investors (including VA and government options) and show you the structure before you lock. Call or text 813-629-5478 for a quote on your scenario.
- How fast can I get a pre-approval?
- Complete files (income, assets, credit authorization, COE if VA) are often turned the same day. A letter without documents is a pre-qualification, and we will label it honestly so your offer is not embarrassed later.
- What is a Florida VA one-time close construction loan?
- One loan that covers the land (or owned-lot equity), construction draws to the builder, and the permanent VA mortgage. You close once before the build starts. When the home gets its certificate of occupancy, the loan converts to a permanent VA loan. No second closing. No re-qualification.
Ready for a Florida-specific quote?
Call or text Melvin List with the property, occupancy, and how you earn income. You will get a real structure — VA, FHA, conventional, jumbo, non-QM, or nationwide DSCR — not a teaser rate.