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Metroplex Mortgage Services NMLS# 185264

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United States
Egypt Lake-Leto, FL
Metroplex Mortgage Services NMLS# 185264

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Locations:
8622 N Himes Ave. Tampa FL 33614 - FL, AL, TN NMLS # 185264
811 US Hwy 27 S Sebring, FL 33870 Branch NMLS # 2152298 At Metroplex Mortgage Services, Inc.

NMLS #185288 we have over 25 years of mortgage business experience, with a specialization in USDA, FHA, and VA Loans. Our number one priority is always you! Whether you are a first-time homebuyer, looking to purchase a second home, moving to a new neighborhood, or want to explore refinance options, we have the experience and expertise to help customize a loan that will suit your needs.

10/31/2026

Florida Homestead Property Tax Exemption: What Homebuyers Need to Know Before the November 3, 2026 Election http://ow.ly/1jyn106HAzq

10/29/2026

🏡 Found the house you love?

Before you write the offer, there's another question to answer: 🔎 Is the property USDA eligible?

USDA eligibility isn't determined by whether a home simply "looks rural."

📍 There are specific geographic and property requirements that need to be reviewed.

And with buyers looking for more affordable options in today's market, USDA-eligible properties can sometimes be found in suburban and small-town communities that buyers don't expect.

💡 Before you fall in love with the house, make sure the financing works for the house.

That's a conversation worth having before you write the offer.

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Sean A. Stephens, Esq., CMB® | NMLS 185288
Call/Text 863-593-2001
Metroplex Mortgage Services, Inc. | NMLS 185264 | Equal Housing Lender

10/27/2026

🏡 Two numbers can determine very different things when you're looking at a USDA loan:

💰 USDA Income Limit
Determines whether the household's adjusted income falls within the applicable USDA income limit.

📊 Debt-to-Income Ratio
Looks at the borrower's qualifying income compared with the proposed housing payment and recurring debts.

They're related, but they're not interchangeable.

You can be under the USDA income limit and still have too much debt for a particular purchase. You can also have a strong DTI and still exceed the applicable USDA income limit.

🔎 That's why a proper USDA pre-qualification matters.

Don't guess. Run the numbers.

_____
Sean A. Stephens, Esq., CMB® | NMLS 185288
Call/Text 863-593-2001
Metroplex Mortgage Services, Inc. | NMLS 185264 | Equal Housing Lender

10/24/2026

Florida USDA Loans in Flood Zones: What Realtors and Homebuyers Need to Know http://ow.ly/bI0H106H9YU

10/22/2026

Think you make too much for a USDA loan?

You may want to double-check.

USDA income eligibility isn't simply based on the borrower's salary.

Household size, income from other adult household members, eligible deductions, and the county where you're buying can all factor into the calculation.

USDA also updated its 2026 income limits earlier this year.

So before you automatically rule USDA out, have your situation reviewed.

The answer may be different than you expect.

_____
Sean A. Stephens, Esq., CMB® | NMLS 185288
Call/Text 863-593-2001
Metroplex Mortgage Services, Inc. | NMLS 185264 | Equal Housing Lender

10/20/2026

Mortgage rates are still getting plenty of attention right now.

But if you’re a homebuyer, the rate shouldn’t be the only number you look at.

Your down payment, monthly payment, property taxes, insurance, loan program, and overall qualification all play a role in what a home actually costs you.

For eligible buyers, USDA financing can offer 100% financing on qualifying properties, which can make the overall affordability conversation very different.

Before deciding to wait for rates to change, it may be worth finding out what you actually qualify for today.

If you’re buying in Florida, let’s look at the numbers together.

_____
Sean A. Stephens, Esq., CMB® | NMLS 185288
Call/Text 863-593-2001
Metroplex Mortgage Services, Inc. | NMLS 185264 | Equal Housing Lender

10/16/2026

Florida USDA Loan After Chapter 13 Bankruptcy: USDA Eligibility, Requirements, and Flexibility http://ow.ly/bGv8106GH41

10/15/2026

🤝 The best Realtor-lender relationships aren’t built around a single transaction. They’re built around communication, education, and taking great care of the client.

When a Realtor refers a buyer to me, I understand the trust that comes with that introduction.

My role is to help that buyer understand their financing options, get prepared for the mortgage process, and stay informed as we work toward closing. 🏡

Whether your client needs conventional financing or a specialized program like USDA or VA, I want to be a mortgage resource you can rely on when questions arise.

🍂 Realtors, if you’re looking to strengthen your lending partnerships this fall, I’d be glad to connect and learn more about how I can support you and your clients.
_____
Sean A. Stephens, Esq., CMB® | NMLS 185288
Call/Text 863-593-2001
Metroplex Mortgage Services, Inc. | NMLS 185264 | Equal Housing Lender

10/13/2026

⭐ There’s no better measure of the work I do than hearing from the people I’ve had the opportunity to help.

Buying a home and choosing a mortgage can come with a lot of questions. My goal is to make sure my clients understand their options, know what to expect next, and have someone they can turn to throughout the process.

That same commitment extends to my Realtor partners. When you trust me with your client, I take that responsibility seriously. 🤝

Whether you’re exploring USDA or VA financing, buying your first home, or simply trying to figure out where to begin, I’m here to help make the mortgage side of homeownership easier to understand.

Thank you to every client and Realtor partner who has trusted me to be part of their journey. 🏡
_____
Sean A. Stephens, Esq., CMB® | NMLS 185288
Call/Text 863-593-2001
Metroplex Mortgage Services, Inc. | NMLS 185264 | Equal Housing Lender

10/10/2026

Florida USDA Loan After Chapter 7 Bankruptcy: Waiting Periods and Credit Exceptions http://ow.ly/IgqU106Gbhe

Address

8622 N Himes Avenue
Egypt Lake-Leto, FL
33614

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.mplx.org/

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