Mortgage lender in Hillsborough County, FL

Buying in Hillsborough County

Hillsborough County, with its county seat in Tampa, also takes in Brandon, Riverview, Plant City, Temple Terrace and Sun City Center. Hillsborough County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Florida, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Florida Housing Finance Corporation (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Hillsborough County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Hillsborough County: Tampa, MacDill and the growing south county

MacDill Air Force Base, in South Tampa, makes VA loans a regular part of this market, and we request the Certificate of Eligibility at the start. South Tampa, Seminole Heights and the neighborhoods near the bay are older, and many addresses there are in a mapped flood zone.

The fastest growth is in Riverview, Apollo Beach, Wimauma and the rest of the south county, largely new construction. Many of those neighborhoods are in a community development district, which adds an annual charge to the tax bill on top of association dues; we include both. Homeowners insurance costs vary a great deal with the age of the roof and the home, so get a quote early.

Hillsborough County by the numbers

Median home value

$371,500 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.81% of home value a year: median tax bill $3,010 on a median value of $371,500 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Documentary stamp tax of 70 cents per $100 of the price (Florida Department of Revenue, documentary stamp tax)

Largest communities

Tampa, Brandon, Riverview, Town 'n' Country (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $371,500. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Florida

Closings in Florida are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Florida page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Hillsborough County buyers ask

Limits shown are the 2026 FHFA and HUD figures for Hillsborough County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.