Kearns Mortgage Team, LLC

Latest Articles

Hand holding a loan estimate document beside a calculator and house keys on a light desk with warm sunlight.

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

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