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TampaBay Mortgages - NMLS #460046

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United States
Tampa, FL
TampaBay Mortgages - NMLS #460046

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Helping Tampa Bay Realtors close more deals with fast, reliable financing.
23 Years in the Tampa Bay market. Purchase specialist.
📞 Call me: 813-767-1887

Highland Mortgage, Equal Housing Lender
NMLS 1969375

Carlos Ramos Biography

Carlos Ramos is a Tampa home loan consultant with over 20 years of experience in the mortgage industry. Born and raised in Providence, Rhode Island, Carlos has always prioritized family and has made it his passion to help families achieve their dream of homeownership. He has worked with a wide range of clients, including first-time homebuyers and property investors, and has extensive experience in handling both home purchases and refinances. As a Tampa mortgage loan officer, Carlos works with a variety of loans, including Conventional, FHA, USDA, and VA loans. He focuses on helping families understand the mortgage process and guides them through each step to provide a stress-free experience. Carlos treats every potential homebuyer like family, looking out for their best interests and helping them save money. The best part of his job, he says, is seeing families' excitement and happiness when they finally close on a home. In his free time, Carlos enjoys spending time with his wife, Leticia, and their four children. He loves soaking up the Florida sunshine through swimming, golfing, and basketball. The Ramos Mortgage Team is committed to excellence, providing quick service with in-house processing, underwriting, and funding to ensure mortgages are ready in weeks, not months. They offer competitive pricing, and their lender relationships allow them to offer the most program flexibility to fulfill clients' needs. Contact The Ramos Mortgage Team today and take the first step toward achieving your homeownership dreams.

11/03/2026

Shopping for a home? Here’s what I’m watching after the election.

It’s the 10-year Treasury yield. That number can move as bond investors change their view of where the economy is headed. It gives me a clue about where mortgage rates could go.

If you’re looking at a home and wondering what a rate change could do to your monthly payment, message me and we can run the numbers.

11/02/2026

He almost walked away from his first house over $196 a month.

Offer accepted. Inspection done. Then the final numbers came back, and his payment was higher than he planned. He called me ready to quit.

Here’s what a lot of buyers don’t know.

When you put less than 20% down on a conventional loan, you usually pay mortgage insurance. Most people pay it every month, right inside their payment.

But you may be able to pay it once, up front, at closing instead.

His agent had already gotten the seller to chip in toward closing costs. So we used part of that seller money to pay his mortgage insurance in one shot.

No monthly mortgage insurance bill. Same house. Lower payment. He got the keys.

Is this right for everyone? No. If you sell or refinance in the first few years, you usually don’t get that up-front money back. And there are limits on how much a seller can put in. That’s why I run the numbers both ways before we pick one.

Would you have walked away? Tell me in the comments.

11/01/2026

Teacher, nurse, or cop in Florida? Your down payment could have some help. 🏡

If you’re working hard but feel like buying a home is out of reach, don’t count yourself out before you know your options.

Florida’s Hometown Heroes program may help eligible first-time buyers with up to 5% of their loan amount, capped at $35,000, toward a down payment and closing costs.

Your occupation is one piece. Income, credit, and other program requirements matter, too.

And understand this: the assistance is a loan, not free money.

It has 0% interest and no monthly payments, but you must repay it when you sell, refinance, transfer ownership, or stop using the home as your primary residence - including turning it into a rental.

Message me “HERO” to check your eligibility and current funding availability. Funds are limited, so it’s worth finding out before you need them.

Know a teacher, nurse, or cop who rents? Tag them below. 👇

10/31/2026

Hometown Heroes assistance is still available in Florida. Could it help you get into a home?

If you qualify, the program can help with your down payment and closing costs.

Understand what comes with that help. Selling, refinancing, or moving out and turning the home into a rental generally means paying the assistance back.

I want you to understand those terms before you commit, whether you work with me or another loan officer.

Message me if you’d like to see how Hometown Heroes fits your plans.

10/30/2026

Considering a temporary buydown? Know when your payment goes up.

In my 2-1 example, a loan with a 7.5% fixed rate has principal-and-interest payments calculated using:

Year 1: 5.5%
Year 2: 6.5%
Year 3 onward: 7.5%

The loan’s rate stays at 7.5%. Buydown funds cover part of those early payments.

Make sure the later payment fits your budget, too.

Message me if you’d like to review a temporary buydown for a home you’re considering.

10/19/2026

Buying in five years and shopping by today’s HOA fees? A lot can happen before then.

That neighborhood with fees under $500 today could look very different when you’re ready. So could home prices and mortgage rates.

I’d start with questions you can actually do something with: What should I work on with my credit? How does my income affect qualifying? What steps should I take now?

Message me if you’d like to talk through your buying plan.

10/18/2026

My friend Ray was like a brother to me. After his unexpected passing, I’m asking for your help supporting Cheryl, Josh, and Evan with his funeral expenses.

If you’re able, please donate through their GoFundMe. Whatever you can give would be greatly appreciated. Thank you.

https://gofund.me/45b5c2548

10/15/2026

Waiting for mortgage rates to drop? Keep an eye on the 10-year Treasury yield.

That’s the number I’m pointing out in this video. It’s the return on a 10-year U.S. government note, and mortgage rates tend to move in the same direction.

It’s a useful clue, my friend. It can’t tell you exactly when your rate will drop.

Message me if you’d like to talk through your homebuying plan.

10/13/2026

Your cousin bought a house. Will the same home loan work for you? Your credit score and loan options can be different. Your rate can be different, too.

In this video, I compare buying a home to picking from a box of chocolates. There’s variety: conventional, FHA, VA, USDA, and jumbo loans.

The useful part is asking which options may fit your situation and understanding what they mean before you choose.

You can start asking those questions while you’re still planning.

Message me if you’d like help understanding your home loan options.

Address

3501 E Frontage Road Suite 180
Tampa, FL
33607

Opening Hours

Monday	8am - 9:30pm
Tuesday	8am - 9:30pm
Wednesday	8am - 9:30pm
Thursday	8am - 9:30pm
Friday	8am - 9pm
Saturday	8am - 9:30pm
Sunday	8am - 9pm

Website

https://www.tampabaymortgages.net/

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