The Orlicki Group - Mortgage Broker

The Orlicki Group - Mortgage Broker Tampa Florida Mortgage Broker. Low mortgage rates. Honest expert mortgage guidance. 5-Star Service. Powered by Go Rascal NMLS #2072896

You deserve a mortgage experience that feels like a partnership, not a transaction. At The Orlicki Group, we’ve moved away from the "big bank" feel to focus on what matters most: you. Based in Florida and servicing clients in multiple states, our team provides the tailored experience needed to navigate today’s market with confidence. Whether you are a first-time homebuyer, a VA borrower, or a seas

oned investor, we provide the attention you deserve. From Conventional, FHA, and VA loans to Jumbo, Self-Employed, Rate and Cash-Out Refinances, and Reverse Mortgages, we’re here to protect your interests. Discover the difference of working with a mortgage pro who takes your financial well-being to heart.

Processing Tip Tuesday: Clear the clutter before you start your mortgage journey!It's wild how often a quick approval or...
09/08/2026

Processing Tip Tuesday: Clear the clutter before you start your mortgage journey!

It's wild how often a quick approval or critical update gets delayed simply because a client's voicemail box is completely full, or a time-sensitive update gets buried under thousands of junk emails. When underwriters need a quick clarification, missing that message can pause your loan momentum.

Before you apply, take two minutes to clear out your voicemail so we can always leave an urgent update. While you're at it, unsubscribe from store promo lists and mark your loan team as VIP contacts or star our emails in Gmail so they go straight to your main inbox.

A clean inbox and an open phone line are small details that make a massive difference in getting you to the closing table fast.

Ready to start your home buying journey with a team that keeps you informed every step of the way? Reach out to The Orlicki Group today!

Reviews like this from first-time homebuyers are why we love what we do every single day.Navigating your first home purc...
09/04/2026

Reviews like this from first-time homebuyers are why we love what we do every single day.

Navigating your first home purchase can feel overwhelming, but having the right guidance makes all the difference. Hearing how Oliver and Krystal guided this client is what our team pushes for with every client.

Building trust, offering flexibility, and keeping our clients informed at every step is the standard we set for every family we serve.

Ready to buy your first home or explore your mortgage options? Reach out and let our team guide you through a smooth, stress-free process from start to finish.

09/03/2026

Had a great conversation with a friend who wants to add an addition to his home. Like most homeowners right now, he is sitting on record levels of equity, but he also has a low interest rate he does not want to lose. He asked a question a lot of people are asking: "Should I do a cash-out refinance or a HELOC?"

The truth is, there is no one-size-fits-all answer. It all comes down to your specific goals and how you plan to use the money.

If you are tackling a major, single project like a full home addition, a cash-out refinance can make sense to pull a lump sum out all at once. But if you have smaller projects spread out over time and want flexibility, a Home Equity Line of Credit (HELOC) might be the smarter play so you do not disturb your primary mortgage rate.

Both options have their perks, but the strategy depends entirely on your numbers.

If you are sitting on equity and looking to make some home improvements, reach out to The Orlicki Group today. We will run the numbers on both options so you can make the right move for your financial future.

With the US Open in full swing, it's hard not to draw parallels between a great tennis match and the journey to buying a...
09/02/2026

With the US Open in full swing, it's hard not to draw parallels between a great tennis match and the journey to buying a home.

Neither is a single, quick journey. Long rallies that require strategy, patience, and adapting to every ball hit your way.

You might face a sudden competitive offer situation, an unexpected twist in underwriting, or a shift in market conditions. Winning the point does not come from rushing or making emotional plays. It comes from staying focused, relying on a solid game plan, and having the right partner in your corner to return every serve.

Whether you are stepping onto the court or stepping into the housing market, preparation is everything.

Ready to serve up a winning home buying strategy? Reach out today and let us help you ace your mortgage process.

Moving across town is stressful enough, but packing up your entire life while coordinating a home purchase in a complete...
09/01/2026

Moving across town is stressful enough, but packing up your entire life while coordinating a home purchase in a completely new area takes it to a whole new level.

Between juggling movers, job transitions, family logistics, and new daily routines, the last thing anyone needs during a relocation is a mortgage team dropping the ball mid-process. Missing a paperwork deadline or dealing with silent lenders when you are trying to coordinate closing dates creates unnecessary chaos.

Relocating requires absolute precision. That is why having a mortgage team that communicates proactively, keeps deadlines on lock, and manages the heavy lifting for you makes all the difference.

If you are planning a move to a new area, reach out to The Orlicki Group today and let us handle the financing logistics so you can focus on making your new house feel like home.

If last week's Federal Reserve updates threw a wrench in what you expected mortgage rates to do, you are not alone.When ...
08/31/2026

If last week's Federal Reserve updates threw a wrench in what you expected mortgage rates to do, you are not alone.

When economic data shifts, market expectations shift with it. But while macro headlines change constantly, life moves forward on its own timeline. People still need to relocate for work, upgrade for growing families, or step into homeownership on their own terms.

Trying to time the housing market based on Fed decisions is a moving target. The reality of real estate is simple: rates go up and down over time. Purchasing a home today locks in your property and your purchase price. Down the road, when rate cycles shift back in favor of buyers, you always have options to lower your monthly payment—whether that means refinancing into a lower rate or adjusting your loan term.

Do not let short term rate noise delay long term wealth building.

If you are ready to explore what buying a home looks like for your budget today, reach out to The Orlicki Group and we will map out a strategy that works for you.

08/27/2026

One of the most common issues we see with self-employed business owners is that they earn great income, but their tax returns do not reflect it because of smart business write-offs.

Traditional agency loans from Fannie Mae or FHA rely strictly on tax returns and W2s, which often penalizes business owners for minimizing their tax burden. A Non-QM loan solves this exact problem by looking at actual cash flow through alternative documentation, such as 12 to 24 months of bank statements.

You do not need a traditional W2 job structure to buy a home, you just need financing designed for how your business actually operates.

Reach out to The Orlicki Group today to see how a Non-QM loan can work for your next purchase.

When it comes to VA loans, veterans deserve complete transparency and a mortgage pro who truly has their back.Unfortunat...
08/26/2026

When it comes to VA loans, veterans deserve complete transparency and a mortgage pro who truly has their back.

Unfortunately, many large box lenders rely on slick marketing while steering military families into higher interest rates, unnecessary fees, or failing to apply earned disability funding fee waivers. We take a different approach. As a independent broker team, we offer the exact same VA loan benefits with lower costs, sharper rates, and personalized care every step of the way.

Our service members protected our country, and we are dedicated to protecting them from predatory lending practices.

If you or someone you know is a veteran or active duty service member looking to buy or refinance, reach out to The Orlicki Group today for a fair, transparent loan comparison.

Keep the screenshots on your phone and out of your mortgage docs!We all love a good screenshot. Whether it is a funny me...
08/25/2026

Keep the screenshots on your phone and out of your mortgage docs!

We all love a good screenshot. Whether it is a funny meme, a recipe, or a great text exchange, taking a quick screen capture is second nature. But when it comes to your mortgage application, underwriting guidelines are a lot more traditional.

When we ask for bank statements or asset records, an underwriter needs the complete official PDF downloaded directly from your online banking portal. Screenshots usually crop out critical required details like full legal names, account numbers, official dates, or page numbers.

Sending over cropped screenshots usually leads to one outcome: we have to ask you for it... again.

Downloading full PDF statements right from the start keeps your loan moving smoothly and gets you to the closing table faster!

Got questions about what documents you need to get pre-approved? Reach out to The Orlicki Group today and we will make gathering your paperwork simple and hassle-free.

When a listing agent takes the time to leave a review like this, it tells you everything you need to know about how we o...
08/24/2026

When a listing agent takes the time to leave a review like this, it tells you everything you need to know about how we operate.

Communication should never stop at one side of the transaction. Here is what one listing agent had to say after we closed a deal together.

For us, keeping every party in the loop is the secret to stress-free, on-time closings. When everyone knows where the loan stands, confidence stays high and transactions move smoothly.

Realtors, if you want a lending partner who keeps your deals moving and your team informed every step of the way, reach out to The Orlicki Group today.

Address

Tampa, FL

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 10am - 3pm
Sunday 10am - 3pm

Telephone

+18133021616

Website

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