Home Loans and Investor Financing From Our Tampa Office

CambridgeHomeLoan.com is a Tampa, Florida direct lender that helps two kinds of clients: people buying or refinancing a home, and real estate investors building a portfolio. Whether you are a first-time buyer looking for a low down payment or an investor lining up your next flip, you will work with a team that explains your options plainly and stays with you until closing. We are licensed nationwide, so where you live or invest does not limit what we can do.

What We Offer Investors

Investors are a core part of our business, and we offer the financing they ask for most. Our DSCR loans qualify the property on its rental income, which is helpful if your tax returns do not reflect what you really earn. For renovation projects, our fix and flip loans and hard money loans can cover up to 90% of the purchase and 100% of the rehab, and hard money funding can close in as little as five days. We also arrange bridge loans for quick turnarounds, multifamily loans, commercial real estate loans, vacation rental loans and construction loans for ground-up projects.

What We Offer Home Buyers and Homeowners

If you are buying a home to live in, we have programs for a wide range of situations. FHA loans start at 3.5% down, VA loans offer zero down options for veterans and service members, and USDA loans can finance eligible homes with no down payment. We also offer conventional loans, jumbo loans, first time home buyer loans and refinance options, including cash out. If your income does not fit a traditional mold, take a look at our non-QM loans, foreign national loans and ITIN home loans. Not sure where to begin? Compare our loan options or read our home buyer guides.

Our Experience

We have been in the mortgage business since 1998. In that time we have worked with first-time buyers, seasoned investors, veterans, builders and self-employed borrowers, through rising and falling rate environments. That experience means we know which questions to ask early, how to keep a file organized, and when a different loan will serve you better, even if it is not the one you came in asking about. Our clients tell us what they value most: a convenient closing and a lender who advocates for them.

Meet Doug Thaler, President

Doug Thaler is the President of CambridgeHomeLoan.com and leads the team that serves our borrowers. He sets the standard for how we treat clients and how we handle every loan, from a first home purchase to an investor’s latest acquisition. Doug works alongside loan officers such as Ryan Thaler, so when you call, you reach people who know the products and care how your loan turns out.