TampaBay Mortgages - NMLS #460046

TampaBay Mortgages - NMLS #460046 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.

09/07/2026

Moving to Tampa? Here are five things you should know:

1. Ten miles can easily take 30 - 45 minutes.
2. Publix subs will become part of your personality.
3. You’ll need to understand flood zones before buying.
4. Everyone is or wants to be an influencer.
5. Our two seasons are hot and hotter.

Tampa Bay living is pretty amazing, but choosing the right home means understanding the full picture - including flood zones, insurance, property taxes, commute times, and your monthly payment.

Thinking about moving to Florida or getting ready to apply for a mortgage? Send me a DM. I’m always happy to answer your mortgage questions and help you build a game plan.

Which Tampa truth would you add to the list?

09/06/2026

Wonder what a real Tampa Bay loan officer partnership actually looks like? Let me show you.

It’s not a flyer with my face on it sitting in your car.

It’s me sending you content ideas before you even ask. It’s a co-branded post that makes you look sharp to your client. It’s answering my phone when your buyer’s freaking out about their pre-approval on a Saturday.

Most agents have an LO. Not a partner. There’s a difference, and your clients can feel it.

I’ve been doing this 23 years in Tampa Bay. I know what it looks like when it works, and I know what it looks like when it doesn’t.

If you want a lender who actually helps you grow, not just close, DM me. Let’s talk.

08/25/2026

You said you wanted to buy a home… so now we’re going to figure out how to get you there. Let’s get you to the closing table. 👏🏼

08/25/2026

When I say I’m going to find the best loan option for you, I mean it. Every borrower’s situation is different, which is why there’s no one-size-fits-all mortgage.

My job is to look at the options, explain what makes sense, and help you make an informed decision about your home financing. Because “I got you” isn’t just something I say.

08/20/2026

Your loan officer should know more than just numbers… Understanding how Realtors can use social media to get listings seen, connect with buyers, and grow their business is a pretty useful skill too.

Multitasking, but make it real estate.

08/18/2026

Actually I love hearing newer loan officers learn, grow, and start realizing there’s so much more to this business than just getting a deal to the closing table.

08/13/2026

What do you think I should do?

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

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