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The Orlicki Group - Mortgage Broker

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United States
Tampa, FL
The Orlicki Group - Mortgage Broker

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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 seasoned 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.

11/03/2026

One in five homes across the country just saw a price reduction week over week. Nearly half of all buyers are securing some form of seller concession.

That means roughly half of the people currently buying a home are getting financial help from the seller.

The market pendulum has swung. If you are sitting on the sidelines worrying that you missed your window, look at the actual data. Sellers are negotiating, price cuts are happening, and concessions are on the table.

Do not be afraid to ask for what you need. Send our team a quick message and let's map out how to put these concessions to work on your next home purchase.

11/02/2026

Predictions are for suckers. Every week, a new headline tries to guess where mortgage rates are heading next. Even this one from industry standard Housing Wire. One month they are spiking, the next they are teasing a dip back below seven percent. Trying to time the macro market is a losing game.

While everyone else sits on the sidelines waiting for a crystal ball to clear up, real opportunities are passing them by. The smartest buyers and homeowners aren't betting on rate predictions. They focus on what they can control and move forward despite the market.

Stop waiting for a forecast that nobody can accurately guarantee. Send our team a quick message and let's build a real plan based on your numbers today.

10/30/2026

Most buyers focus entirely on the principal and interest when calculating a monthly house payment. They completely overlook what happens after they get the keys.

Recent housing data is showing that homeowners insurance is now the fastest-rising hidden cost of homeownership, skyrocketing fifty-four percent over the past five years. Nationally, taxes, maintenance, and insurance add an average of over sixteen thousand dollars a year on top of the mortgage. In several major metros, insurance bills are now outpacing property taxes altogether.

When you are mapping out your purchase budget, you cannot afford to treat these recurring expenses as an afterthought. True affordability means accounting for the full picture from day one.

Want to make sure your numbers are rock-solid before you submit an offer? Send our team a quick message and let's run the real math together.

10/29/2026

Recent housing data shows that thirty-five percent of buyers shed stress-induced tears during their home purchase. That is one in three people navigating a high-stakes process feeling completely overwhelmed.

Buying a home should not be a source of sleepless nights. When a client came to us with hours to spare after their original lender went dark on a critical contingency deadline, our team stepped in immediately. We took ownership of the situation, straightened out the numbers, and turned an overwhelming financial crisis into a seamless path to the closing table.

You deserve a mortgage team that communicates proactively, acts with urgency, and treats your peace of mind as the absolute priority.

Facing a tight deadline or tired of feeling like just another file on a desk? Send our team a quick message and let's run the math together.

10/28/2026

Traditional banks love a clean W-2. If you are self-employed or run your own business, they often penalize you for taking smart write-offs.

That system is completely broken.

Your tax return doesn't define your real financial capacity. Non-QM loans let us bypass rigid tax forms by qualifying you using your actual bank statements or asset flow.

If a retail lender told you no because your paperwork didn't fit their box, let's talk about a real solution. Send our team a quick message and let's find the right loan program for you.

10/27/2026

Social media is full of one-size-fits-all financial advice, but your mortgage shouldn't be based on a random headline or what worked for your neighbor.

Every financial situation is completely unique. What makes total sense for one homeowner might be the wrong move for you. That is why we offer a completely free Refinance Analysis. We zoom out to look at your full financial picture, run the exact numbers, and determine if a refinance actually puts money back in your pocket.

If the numbers don't make sense today, we wait. We track the market for our clients over months and years until the right window opens up. No sales pressure, no guessing—just real data tailored to your goals.

Curious where your mortgage stands in today's market? Send our team a quick message and let's run your free Refinance Analysis.

10/26/2026

Walking into the housing market without a clear plan feels overwhelming. Most buyers tell us the hardest part isn't finding a home they like—it's having no idea where to actually start or what numbers they can trust.

When you don't know the playbook, every step feels like a high-stakes guessing game. Here is how you take control of the process from day one.

Slide through to read the 3 key things you don't want to miss.

Stop waiting for the market to feel less confusing. Send our team a quick message and let's map out your game plan together.

10/23/2026

When an experienced Realtor and long-time referral partner needs a lender they can completely trust, they choose The Orlicki Group.

Working side-by-side with industry professionals every day means we know exactly what it takes to keep deals moving, eliminate stress, and deliver a seamless experience from start to finish. Having someone who knows the ins and outs of the mortgage business choose our team because of our long-standing relationship and shared trust is the highest compliment we could ever ask for.

Great partnerships are built on communication, speed, and always putting the client first. We are proud to be the team that agents rely on to get the job done right.

Looking to partner with an independent mortgage broker who has your back? Send our team a quick message and let's connect.

10/22/2026

The old refinance playbook is gone.

In a normal market, rates drop one percent and you do a quick rate-and-term swap to lower your monthly payment. With today's rates sitting higher, that game plan doesn't work.

So what are smart homeowners doing instead? Cash-out refinances.

Right now, millions of households are drowning in twenty-five percent credit card debt and ten percent personal loans. Minimum payments barely touch the principal balance.

Yes, a cash-out refinance means adjusting your primary mortgage rate. But when you wipe out thirty or forty thousand dollars in maxed-and-taxed revolving debt, your total monthly obligations drop by fifteen hundred to two thousand dollars.

Stop letting high-interest debt eat your cash flow. Send our team a message and let's run the math together.

10/21/2026

Traditional banks love a clean, neat tax return. But real life is rarely that simple.

If you are self-employed, run your own business, or work in gig fields, standard lenders often slam the door. They look at your write-offs, not your actual cash flow. That is completely backwards.

Non-QM loans fix this problem. Instead of tax forms, we can qualify you using twelve or twenty-four months of bank statements. If you are an investor, we can use the property's rental income instead of your personal income. If your financial profile doesn't fit a cookie-cutter box, we find a way to get to yes.

Tired of getting turned down by retail lenders who refuse to look at the whole picture? Send our team a quick message and let's find the right loan program for you.

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

https://www.orlickigroup.com/, https://linktr.ee/orlickigroup

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