Mike Neill Mortgage Broker - NMLS 1064583

Mike Neill Mortgage Broker - NMLS 1064583 U.S. Navy veteran and mortgage broker serving Valrico, Brandon, FishHawk, Lithia & Riverview. Let's get you home! Contact me today.

Helping veterans, homebuyers, and investors with VA, FHA, USDA, Conventional, and self-employed/non-QM financing.

08/28/2026

Buying a home? Be careful before you start moving money around. ⚠️

Even transferring your own money between accounts can create additional documentation during the mortgage process.

And large or unusual deposits may need to be explained and documented.

The simple rule I give buyers:

✅ Before moving large amounts of money, talk to your lender first.

A quick conversation upfront can save you unnecessary paperwork later.

Thinking about buying a home in Tampa Bay? Comment HOME and let’s talk.

08/21/2026

You’re approved for your mortgage… time to start buying furniture, right? 🛋️

Not so fast.

Opening a new credit card, financing furniture, buying a car, or taking on another monthly payment before closing could affect your mortgage qualification.

Even after you’re approved, your financial picture still matters all the way through closing.

My advice to buyers is simple:

⚠️ Before you finance anything, talk to your lender first.

That quick conversation could prevent a major headache right before you get the keys.

Buying your first home? Comment HOME below and let’s talk.

08/07/2026

One of the biggest myths in home buying is that you should always wait until you have 20% down to avoid PMI.

The reality?

For many first-time buyers, purchasing sooner with PMI may make more financial sense than waiting years to save a larger down payment.

Every situation is different, which is why it’s important to compare your options instead of relying on general advice.

Thinking about buying a home but wondering if PMI is worth it?

Comment HOME below and let’s look at the numbers together.

07/25/2026

One of the biggest surprises for new homeowners is seeing their monthly mortgage payment change—even when they have a fixed-rate loan.

A fixed rate means your principal and interest payment stays the same.

However, your total monthly payment may also include property taxes and homeowners insurance. If either of those costs increase, your monthly payment can go up too.

That’s especially important to understand here in Florida, where insurance premiums can change from year to year.

Knowing how your payment is calculated can help you plan ahead and avoid surprises.

Thinking about buying a home?

Comment HOME below and let’s talk about what your monthly payment could look like.

07/10/2026

One of the biggest fears first-time buyers have is:

“What if I lose my deposit?”

The good news is that an earnest money deposit isn’t automatically lost.

In many cases, if your purchase moves forward, that money is applied toward your down payment or closing costs.

And if something comes up that’s covered by one of your contract contingencies—such as financing or the inspection—you may be able to receive your earnest money back.

Every contract is different, which is why it’s so important to understand your deadlines and protections before making an offer.

Thinking about buying your first home?

Comment HOME below and let’s talk about what to expect during the home-buying process.

07/08/2026

🏡 Think you need perfect credit or 20% down to buy a home?

You’re not alone.

One of the biggest things keeping people from becoming homeowners isn’t their finances—it’s believing myths that simply aren’t true.

Every week, I talk with people who say:
❌ “I need 20% down.”
❌ “My credit score isn’t high enough.”
❌ “I should wait until rates come down.”

The truth? Everyone’s situation is different, and you’d be surprised what options may already be available.

Whether you’re planning to buy in the next few months or just wondering what it might take someday, having a conversation today can help you build a plan for tomorrow.

And if you know someone who’s been talking about buying a home but isn’t sure where to start, I’d be honored if you’d tag them or share this with them.

Sometimes a simple conversation is all it takes to turn “maybe someday” into a real plan.

📞 813-892-8666
💬 Send me a message anytime.

07/03/2026

One of the most common questions I hear from first-time buyers is:

“Is the home inspection the same as the appraisal?”

The answer is no.

A home inspection helps you understand the condition of the home and identify potential issues.

An appraisal helps the lender confirm that the home’s value supports the purchase price.

Both are important parts of the home-buying process, but they serve very different purposes.

Understanding the difference can help you feel more confident when you’re buying your first home.

Thinking about buying?

Comment HOME below and let’s talk about your next steps.

06/26/2026

Getting pre-approved is a huge milestone—but it’s really just the beginning of your home-buying journey.

One of the questions I hear most from first-time buyers is, “What happens next?”

In this video, I walk through the seven major steps between getting pre-approved and getting the keys to your new home so you’ll know what to expect before the process even begins.

The more you understand the process, the more confident you’ll feel when it’s time to make an offer.

Thinking about buying a home?

Comment HOME below, and let’s talk about where you are in your home-buying journey.

Honoring all the amazing fathers who fill our lives and homes with love, guidance and inspiration.
06/21/2026

Honoring all the amazing fathers who fill our lives and homes with love, guidance and inspiration.

06/19/2026

One of the most common questions I get from first-time buyers:

“How long does it take to buy a home?”

The answer is… it depends.

✔️ Pre-approval can often take just a few days.
✔️ Finding the right home could take weeks or months.
✔️ Once you’re under contract, most purchases typically close in about 30–45 days.

Every buyer’s situation is different, but one thing is always true:

The best time to start isn’t when you’re ready to make an offer—it’s when you’re ready to make a plan.

Thinking about buying a home?

Comment HOME below and let’s talk about what your timeline might look like.

Address

Valrico, FL

Telephone

+18138928666

Website

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