Tampa Bay's Best and Most Trusted Mortgage Broker
More Mortgage Options. Better Financing Solutions.
Mortgage Approval Group is an independent Florida mortgage broker helping homebuyers, homeowners and real estate investors find the right financing from a broad network of wholesale lenders. From Conventional, FHA and VA loans to Jumbo, DSCR, Bank Statement, HELOC and specialized mortgage programs, our team has the experience and lending options to handle straightforward purchases and complex financing scenarios alike.
Why Mortgage Approval Group
One Mortgage Brokerage. More Ways to Get You Home.
As an independent mortgage broker, Mortgage Approval Group can offer financing from a broad network of wholesale lending partners instead of limiting borrowers to the products offered by a single bank or lender.
More Lending Options
Access to a broad network of wholesale mortgage lenders and loan programs.
Experienced Guidance
More than 25 years of mortgage experience helping borrowers navigate both simple and complex financing scenarios.
Solutions for More Borrowers
Traditional and specialized mortgage programs for homebuyers, homeowners, real estate investors and self-employed borrowers.
Local Expertise. Statewide Reach.
Headquartered in Tampa and serving borrowers throughout the state of Florida.
Loan Programs
Florida Mortgage Programs for Homebuyers, Homeowners & Investors
Mortgage Approval Group offers a wide range of home loan programs through our network of wholesale lending partners. Whether you're buying your first home, refinancing, investing in real estate or need a specialized financing solution, our team can help identify mortgage options designed around your financial goals.
Conventional Loans
Flexible Fannie Mae and Freddie Mac mortgage options for primary residences, second homes and investment properties.
FHA Loans
Flexible government-backed financing with low down-payment options and more accommodating credit guidelines than many conventional mortgage programs.
VA Home Loans
Powerful mortgage benefits for eligible veterans, active-duty service members and qualifying surviving spouses, including financing with no down payment in many situations.
First-Time Home Buyer Programs
Low down-payment mortgage options and specialized programs designed to help qualified first-time buyers become homeowners.
Jumbo Loans
Financing for higher-value properties and loan amounts exceeding conventional conforming limits, with multiple options available for qualified borrowers.
DSCR Investor Loans
Real estate investment financing that may qualify primarily using the property's rental income rather than the borrower's personal income.
Bank Statement Loans
Alternative mortgage qualification for eligible self-employed borrowers using personal or business bank statements instead of traditional tax-return income calculations.
HELOC & Home Equity
Access available home equity through a Home Equity Line of Credit or home equity loan for renovations, debt consolidation or other financial goals.
Home Equity Loans
Fixed-rate lump-sum financing secured by your home equity, with predictable monthly payments and a defined repayment term.
Renovation Loans
Finance the purchase or refinance of a home and include renovation costs in a single mortgage, including FHA 203(k) and Fannie Mae HomeStyle programs.
Reverse Mortgages
HECM reverse mortgage options for eligible homeowners 62 and older, allowing access to home equity without required monthly mortgage payments.
Adjustable-Rate Mortgages
ARM mortgage options with lower initial interest rates, suitable for borrowers who plan to sell or refinance before the rate adjustment period begins.
Florida Hometown Heroes
Down payment and closing cost assistance for eligible Florida community workforce employees, including teachers, nurses, law enforcement, and first responders.
Self-Employed Borrowers
Self-Employed? Let's Review Your Mortgage Options.
Owning a business doesn't automatically mean you need a bank statement loan. Many self-employed borrowers qualify through conventional or government-backed financing. The right path depends on how your income is documented and calculated. Mortgage Approval Group helps Florida business owners compare the available options — from tax-return-based programs to bank statement alternatives — based on their actual situation.
Which path fits your situation?
Client Reviews
Trusted by Florida Homebuyers, Homeowners & Real Estate Professionals
See why borrowers throughout Florida trust Mortgage Approval Group for their home financing needs.
"Very thorough and professional team. Closing was a 30 day window and they pulled it off without a hitch. Very thankful for their hard work and dedication to getting my loan completed in time!"
Matthew Livingstone
Google Review — 5-Star Review
"Scott and his entire Team were very professional and responsive to all our questions. We not only got great rates on our refinance but also great service along with a fast clear to close (less than two weeks). If you're looking to buy or refinance a home, Scott Kepler and his Team at Mortgage Approval Group are the definite go-to group. Five years ago we bought a home and also used Scott and his team — it was the most smoothest stress free time we've ever had. We highly recommend Mortgage Approval Group."
Peggy Smith
Google Review — 5-Star Review
"I highly recommend working with Scott. He is professional, highly responsive, and incredibly knowledgeable. We have used him a few times over the years, and every experience working with him has been flawless."
Michelle Ramirez
Google Review — 5-Star Review
"I feel extremely lucky to have Scott as my broker — he's extremely knowledgeable and trustworthy. He answered all my questions and provided a clear breakdown of all options available. Also, his team, Randi and Tammy, is absolutely fantastic. They made the whole loan process a breeze. They're quick to respond to emails and phone calls. Highly recommend Scott and his team to everyone!"
Otto
Google Review — 5-Star Review
About Mortgage Approval Group
Mortgage Expertise. More Lending Options. Personalized Guidance.
Mortgage Approval Group, LLC is an independent mortgage brokerage headquartered in Tampa and serving borrowers throughout Florida. Founded by mortgage professional Scott Kepler, our company brings more than 25 years of mortgage experience together with access to a broad network of wholesale lenders and specialized loan programs. Our team works with first-time homebuyers, experienced homeowners, real estate investors, self-employed borrowers and clients with complex financing needs. Rather than taking a one-size-fits-all approach, we evaluate your goals and compare available mortgage solutions to help structure financing that makes sense for your situation.
Free consultations. No pressure. No obligation. Just experienced mortgage guidance.
FAQ
Frequently Asked Questions
Have questions? We have answers.
Still have questions? We're here to help.
Contact UsFree Resource
Florida Home Buyer's
Mortgage Guide
6 chapters covering every loan program available in Florida — FHA, VA, Conventional, DSCR, bank statement loans, and more. Written by Tampa Bay's most trusted mortgage broker.
- How to choose the right loan program
- Credit scores & what they mean for your rate
- Down payment assistance in Florida
- The mortgage process from pre-approval to closing
- Florida-specific considerations (flood, insurance, taxes)
- Mortgage broker vs. bank — what's the difference?
Free. No Obligation.
Enter your email on the guide page and we'll send you a link instantly — plus Tampa Bay market tips.
Ready to Explore Your Mortgage Options?
Whether you're buying, refinancing or investing in real estate, our mortgage team can help you compare available financing options and determine the next step.