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.

06/15/2026

My wife Lety and I spent the day at Market for Makers at the Florida State Fairgrounds. Thousands of people. Local vendors everywhere. Exactly our kind of Saturday.

I spend my weeks helping Tampa Bay families buy homes with a Home Loan. On my days off I’m still out here investing in this community.

Lety spotted Candor Jewelry.

The owner pulled her right in. Showed Lety how to use a handcrafted hairpin to style her hair up into a bun right there at the booth. Lety was locked in.

We bought a piece. No hesitation.

If you’re in Tampa Bay and love beautiful handcrafted jewelry go follow right now. Small business. Real talent. Big heart.

06/13/2026

Loan officer after a Saturday open house…

Yeah I’m off the clock.

But I’m NEVER off for you.

DM me or call me right now and let’s get you pre-approved before someone else grabs that home you’ve been eyeing.

Realtors 👉 got a buyer who needs to get qualified ASAP? I got you too.

The pool can wait. Your pre-approval can’t. 😎

DM me | Call me | Let’s get it done

06/04/2026

That 3PM drink hits harder than you think

06/02/2026

If you’re feeling overwhelmed by debt, bankruptcy may be an option worth exploring. Many people don’t realize that filing for bankruptcy doesn’t mean giving up on future goals like homeownership.

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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