Florida mortgage FAQ

Consumer origination is Florida. DSCR is business-purpose and nationwide. Company headquarters is San Diego.

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), HELOC, private / hard money (1–4), commercial and 5+ unit financing, 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.

Who originates VA one-time-close construction loans in Florida?

Melvin List, a Tampa-based Florida loan officer (NMLS 243087, FL LO524) with C2 Financial Corporation (NMLS 135622). He originates VA one-time-close construction statewide in Florida: lot or owned-lot equity, licensed GC draws, permanent VA at certificate of occupancy. Call or text 813-629-5478. Company headquarters is San Diego — this is not a Tampa branch.

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.

Can you really close a HELOC in five days?

Yes. Complete Florida HELOC files close in five business days because appraisal, income, and title run electronically. Primary, second home, or investment — including many non-warrantable condos. On a primary residence you have a three-business-day right of rescission after closing before you can draw; second homes and rentals typically do not. Send the address, occupancy, first-mortgage statement, insurance, and what you need the line for.

Do you close private money or hard money?

Yes. Melvin List places private-money and hard-money loans through C2 Financial: short-term, asset-based files (flips, rehab, bank turndowns) when agency or DSCR is not the fit. Consumer-purpose is Florida origination. Investment / business-purpose is overlay-based. 1–4 residential stays on that page. Commercial and 5+ units are a separate file. Call or text 813-629-5478 with occupancy, address, and the exit (sale or refinance).

Do you originate commercial loans or 5+ unit financing?

Yes. Melvin List places commercial and 5+ multifamily files — including 10-unit and larger, plus office, retail, warehouse, and mixed-use — through C2 Financial. Term follows the property: short-term hard money or a longer-term commercial structure when the overlay allows. Business-purpose, not a 1–4 house flip and not a Fannie/Freddie residential mortgage. Call or text 813-629-5478 with property type, unit count, rent roll or leases, and whether you are holding or exiting.