BEST TAMPA BAY MORTGAGE

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

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    NMLS #237341Licensed Nationwide
    32+
    Loans Closed
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Benjamin Macht

    Producing Branch Manager

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    Nathan Dutton

    Loan Officer

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    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

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    Estimate monthly payments based on your actual scenario
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    Explore loan programs matched to your situation
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    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 29 families & counting

    ★★★★★5.029 verified reviews
    "
    Ben is a great mortgage broker. Always kept me informed and walked me through each and every step. Thanks Ben
    Christopher Michael J.
    Tarpon Springs, FL · via Benjamin Macht
    August 2026
    "
    From start to finish Nathan was nothing but AWESOME. He kept me informed in all matters of the house buying process. He always answered my emails and phone calls in a timely manner most time picking up right away. Would definitely recommend Nathan to anyone. I know when they're applying for a house loan.
    James Paul F.
    Madisonville, TN · via Nathan Dutton
    August 2026
    "
    Ben, was on top of everything from the beginnin. He answered our questions in a timely banner Thanks!
    James M.
    Wintersville, OH · via Benjamin Macht
    July 2026
    “
    Nathen and Hannah were absolutely amazing throughout the whole process of buying my house. I work 6 days a week on 12-hour night shifts, so I was extremely busy and didn’t always have a lot of time. They went above and beyond to help me through everything and made the whole process so much easier. I truly appreciate everything they did for me and couldn’t have asked for better people to help me buy my first house! ????
    Rylee H.
    Loudon, TN · via Nathan Dutton
    August 2026
    “
    very professional and friendly people. they really care about helping people.
    Spencer D.
    Daphne, AL · via Benjamin Macht
    June 2026
    “
    Great communication and advice was the best thing I could get during this time of making big decisions for me and my family. Nathan gave both of these making me feel real at ease to trust that he was helping make the best decision for us. It all worked out quickly and smooth, I couldn't ask for a better lender.
    Bradley D J.
    New Market, TN · via Nathan Dutton
    August 2026
    “
    I was refinancing my house out of me and my exhusbands names and into just mine. I did not like the fact that they wanted my ex-husband to sign a closing disclosure. It had all my loan info on it and it was none of his business.
    Faith D G.
    New Market, TN · via Benjamin Macht
    June 2026
    “
    Was very grateful for Nathan helping us out
    James Raylee E.
    Lenoir City, TN · via Nathan Dutton
    July 2026
    “
    He was always in contact and explained everything very well !! if we ever had questions he was right there to explain it for us . We felt taken care of !
    Victoria M.
    Crossville, TN · via Nathan Dutton
    July 2026
    “
    We love working with Nathan and his team. He was very efficient with everything. We always knew what was going on and when it would all take place. He explained everything in detail and always answered all our calls right away!!! We are looking forward to doing business with him in the future; he gained a customer for life!!!
    Nicole S.
    Knoxville, TN · via Nathan Dutton
    June 2026
    “
    Very professional. Excellent communication during the entire process. Genuine concern about my wellbeing and a sense of fair play. A very pleasant experience overall.
    Sandra G P.
    Dandridge, TN · via Nathan Dutton
    May 2026
    “
    Nathan helped us with a HELOC and purchase of a new house all within a couple months of each other and was amazing. Communication was easy and he was happy to talk through all the various questions we had in order to feel comfortable with our next move. He had to do some "beautiful mind" work to have everything as it needed to be, and we truly appreciated it as it wouldn't have happened with a big bank lender. Highly recommend!
    Scott K
    Oldsmar, FL · via Nathan Dutton
    May 2026
    “
    Nathan answered every call, text and question I had. he was with us every step of the way and I highly recommend going through him!
    Brandon A.
    Maryville, TN · via Nathan Dutton
    May 2026
    “
    Geat communication and gives good advice.
    Brooke H.
    Maryville, TN · via Nathan Dutton
    May 2026
    “
    Nathan helped through out the entire process and was very knowledgeable.
    Telisha M.
    Maryville, TN · via Nathan Dutton
    May 2026
    “
    The communication was amazing amd professional.
    Sarah S.
    Cleveland, TN · via Nathan Dutton
    April 2026
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    Our Branch

    Best Tampa Bay Mortgage

    American Financial Network · NMLS #237341

    Address
    12958 North Dale Mabry
    Tampa, FL 33618
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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