Kearns Mortgage Team, LLC

Florida mortgage insights, homebuying guides, and loan strategy from Tampa-based broker Ryan Kearns. Practical advice from a licensed mortgage professional.

Latest Articles

Split view of a Tampa duplex with a key, rental sign, and mortgage paperwork in warm sunlight.

Multifamily Financing

Owner-Occupied Vs Rental Multi Family Mortgages in Tampa

By Ryan Kearns, NMLS 1826973

October 24, 20265 min read

Modern manufactured home beside a palm-lined lot, with loan documents and a house title in the foreground.

Home Buying Tips

Inside Tampa Manufactured Home Loans: Land, Title, and Loan Fit

By Ryan Kearns, NMLS 1826973

October 24, 20264 min read

Modern Tampa skyline beside a home silhouette, LLC documents, and gold coins on a blue background.

Multifamily Financing

Tampa Investment Property Loans for Buyers Using an LLC

By Ryan Kearns, NMLS 1826973

October 20, 20265 min read

Modern suburban homes under construction beneath a bright blue sky, with wooden framing and cranes in the background.

Home Buying Tips

When Brandon Buyers Need a Mortgage Broker for New Construction

By Ryan Kearns, NMLS 1826973

October 20, 20265 min read

Tampa home beside stacked bills, calculator, and loan documents in warm sunset light

HELOC Insights

The True Cost of a Home Equity Loan for Tampa Owners

By Ryan Kearns, NMLS 1826973

October 19, 20265 min read

Two people reviewing mortgage documents beside a house model under warm, natural light.

Refinance Advice

How Rate-and-Term Refinancing Can Change Joint Mortgage Liability

By Ryan Kearns, NMLS 1826973

October 19, 20265 min read

Modern manufactured home beside palm trees under a bright blue Tampa sky.

Home Buying Tips

Understanding Tampa Manufactured Home Loan Property Rules

By Ryan Kearns, NMLS 1826973

October 6, 20266 min read

Tampa skyline behind a modern waterfront condo, with financial charts and loan documents in the foreground.

Multifamily Financing

What DSCR Lenders Review Beyond Rent for Tampa Investors

By Ryan Kearns, NMLS 1826973

October 6, 20265 min read

Sunlit Tampa waterfront home with palm trees, blue sky, and a mortgage document on a wooden table.

Home Buying Tips

Understanding Conventional Mortgage Rules for Tampa Second Homes

By Ryan Kearns, NMLS 1826973

September 30, 20265 min read

Split scene of a bank building and a mortgage broker shaking hands over home plans, with warm suburban homes behind.

Home Buying Tips

Banks Vs. Mortgage Brokers for Brandon Homebuyers

By Ryan Kearns, NMLS 1826973

September 30, 20264 min read

Tampa skyline behind a modern rental home, with loan documents and a calculator in the foreground.

Multifamily Financing

Should Tampa Investors Use DSCR Loans for a New Rental?

By Ryan Kearns, NMLS 1826973

September 29, 20265 min read

Sunlit Tampa duplex with palm trees, a red sold sign, and a bright blue sky.

Multifamily Financing

Can a Tampa Duplex Purchase Use Rental Income to Qualify?

By Ryan Kearns, NMLS 1826973

September 22, 20266 min read