Kearns Mortgage Team, LLC

Latest Articles

Sunset view of waterfront homes and palm trees beside calm bay water, with a small boat dock in the foreground

Home Buying Tips

Choosing a Mortgage Broker in South Tampa for Waterfront Homes

By Ryan Kearns, NMLS 1826973

June 26, 20267 min read

Sunlit Tampa skyline with a modern home silhouette and oversized loan documents in the foreground, in warm blue tones

Home Buying Tips

Jumbo Loans in Tampa: What Local Homebuyers Should Know

By Ryan Kearns, NMLS 1826973.

June 26, 20267 min read

Sunlit Tampa bungalow beside a clipboard appraisal form and calculator on a wooden desk, with palm trees in the background

Home Buying Tips

Inside FHA Loan Appraisals in Tampa FL for Older Homes

By Ryan Kearns, NMLS 1826973

June 25, 20267 min read

Sunlit waterfront condo skyline with a small house model, calculator, and paperwork on a wooden desk in foreground

Home Buying Tips

Choosing a Mortgage Broker in South Tampa for Condo Purchases

By Ryan Kearns, NMLS 1826973

June 24, 20267 min read

Split-screen graphic with a Tampa skyline, calculator, house icons, and a blue vs green comparison chart.

Refinance Advice

Tampa Cash-Out Refinance vs. HELOC in 2026: Costs and Break-Even

By Ryan Kearns, NMLS 1826973

June 24, 20267 min read

Sunlit Tampa skyline behind a close-up of a house model and FHA loan document on a desk with scattered coins

Home Buying Tips

What Happens to Your Tampa FHA Loan If Income Changes

By Ryan Kearns, NMLS 1826973

June 22, 20267 min read

Tampa skyline at sunset with a hand holding a house key over a clipboard, warm golden light and blue sky.

Home Buying Tips

Non-QM Loans in Tampa for Self-Employed and 1099 Buyers

By Ryan Kearns, NMLS 1826973

June 10, 20267 min read

Split-screen Tampa skyline with a house icon, FHA and Conventional labels, and contrasting blue and orange tones.

Home Buying Tips

FHA vs. Conventional in Tampa: Which Loan Fits You Best?

By Ryan Kearns, NMLS 1826973

June 10, 20269 min read

Smiling couple shakes hands with a realtor in a sunlit living room, warm tones and a house key in focus.

Home Buying Tips

FHA Loans in Tampa: A Friendly Path to Homeownership

By Ryan Kearns, NMLS 1826973

June 10, 20266 min read

Sunlit Tampa skyline behind a desk with house keys, a signed document, and a calculator in the foreground.

Home Buying Tips

Conventional Mortgage Pre-Approval in Tampa for Move-up Buyers

By Ryan Kearns, NMLS 1826973

June 10, 20268 min read

Sunlit Tampa skyline behind a clipboard with mortgage rate charts, calculator, and house key on a blue desk.

Home Buying Tips

Decoding Mortgage Rates Tampa FL Buyers See in Listings

By Ryan Kearns, NMLS 1826973

June 9, 20267 min read

Sunlit Tampa neighborhood with palm trees, a modern home, and a hand holding keys over mortgage documents on a desk

Refinance Advice

Life Changes That May Call for a Mortgage Refinance in Tampa, FL

By Ryan Kearns, NMLS 1826973

June 9, 20269 min read