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

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Refinance Advice

Balancing Student Loans and a Tampa Mortgage Refinance

By Ryan Kearns, NMLS 1826973

July 28, 20267 min read

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Refinance Advice

What Mortgage Refinance in Tampa, FL Means for Your Monthly Budget

By Ryan Kearns, NMLS 1826973

July 28, 20267 min read

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Home Buying Tips

Self-Employed Mortgages in Tampa for 1099 and Business Owners

July 24, 20266 min read

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Home Buying Tips

How Flood Insurance Can Change Your Mortgage Closing in Tampa Bay

By Ryan Kearns, NMLS 1826973

July 24, 20268 min read

Modern Tampa home with a refinance document and calculator on a desk, warm sunlight and subtle college icons in background

Refinance Advice

Rethinking a Cash Out Refinance in Tampa for College Costs

By Ryan Kearns, NMLS 1826973

July 23, 20266 min read

Sunlit desk with laptop, house keys, and paperwork beside a coffee mug, with a blurred city skyline in the background

Home Buying Tips

Prepping for a Mortgage Preapproval in Tampa When You’re Busy

By Ryan Kearns, NMLS 1826973

July 22, 20267 min read

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HELOC Insights

What Second Mortgage Options Mean for Tampa Investment Buyers

By Ryan Kearns, NMLS 1826973

July 8, 20267 min read

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Home Buying Tips

FHA Condo Approval in Tampa: Check FHA Eligibility and Next Steps

By Ryan Kearns, NMLS 1826973

July 8, 20266 min read

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Home Buying Tips

Builder Incentives Near Tampa: Reading Your Loan Estimate

By Ryan Kearns, NMLS 1826973

July 3, 20267 min read

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VA Loan Guides

How a VA Mortgage Broker in Tampa Can Help You Buy a Home

By Ryan Kearns, NMLS 1826973

June 30, 20267 min read

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VA Loan Guides

VA Housing Benefits in Tampa: A Practical Guide for Veterans

By Ryan Kearns, NMLS 1826973

June 30, 20268 min read

Sunlit Tampa skyline behind a modern house with a blue “VA Loan” sign and an American flag in the foreground

VA Loan Guides

How a VA Loan Works for Tampa Veterans Buying a Home

By Ryan Kearns, NMLS 1826973

June 29, 20267 min read