- golf@lendworkz.com
- (813) 299-3320
Tampa Bay mortgage lender — get a real rate quote in 24 hours
FHA, VA & First-Time Homebuyer Specialist Across Tampa Bay Lender NMLS #291838 | Lendworkz LLC NMLS #2780991
Clear guidance. Fast preapprovals. Real answers from a Tampa Bay mortgage lender who actually picks up the phone.
Serving Tampa, Lutz, Wesley Chapel, South Tampa and all of Hillsborough, Pasco & Pinellas counties
All loans subject to approval. Equal Housing Opportunity.
This is part of what we call our Ultimate Mortgage Loan Experience.
As a licensed mortgage lender, we originate and manage your loan directly rather than handing it off. I specialize in FHA, VA, and Conventional financing across Tampa Bay, with a strong focus on first-time homebuyers and the veteran community around MacDill AFB.
Broker NMLS #291838
Florida insurance premiums, flood zones, property types, and neighborhoods can move your payment fast. You need a local pro who explains what actually matters here in Tampa Bay.
When you book a call or text, you’re working directly with your loan officer.
Many lenders treat FHA like a checkbox. I treat it as one of the most useful tools available for the right buyer.
I specialize in FHA loans for first-time buyers who want clarity, confidence, and honest guidance.
Ready to buy your dream home? Golf secures competitive rates, flexible terms, and a smooth closing process making homeownership simple and stress free for every buyer.
Looking to lower your payments? Golf finds the best refinance options to reduce your monthly costs, shorten your loan term, or unlock your home equity with ease.
Not sure which loan fits you? Golf offers FHA, VA, Conventional, Jumbo, First-Time Buyer, HomeReady, DSCR investor, and physician loan programs — matching every buyer to the right loan for their situation.
Golf Phuphanich brings hands-on mortgage experience, honest advice, and a personal commitment to every client guiding you from the first call straight through to closing day.
Golf secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.
Golf offers free, no-obligation consultations to every client so you can explore your options without any pressure or upfront cost.
Golf monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.
Golf is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.
Golf Phuphanich originates residential mortgages through Lendworkz LLC, based in Lutz and serving Tampa and the wider Tampa Bay region. Your file stays with one team from application to closing — Lender NMLS #291838, Lender NMLS #2780991. The honest answer to “best” is whoever will explain your options and the trade-offs clearly instead of just quoting a number, and that is the standard Golf works to.
For FHA financing in Tampa you want a lender that places FHA volume regularly and knows how HUD’s guidelines apply in practice — minimum credit scores, tolerance for collections, and treatment of gift funds. Golf works FHA files week in and week out, which frequently matters more on FHA than the headline rate does.
Look for three things: does the lender actually place your loan type regularly, will they explain the trade-offs between programs in plain language, and do they communicate at the pace your transaction needs. Those matter most when something about your file is not textbook — self-employment income, a recent credit event, a condo, or an investment property.
Lender compensation on most residential loans is paid by the lender rather than out of the borrower’s pocket, and every dollar of it must be disclosed to you on the Loan Estimate. You will see the full breakdown of lender fees, third-party costs, and any points before you commit to anything.
Same-day preapproval is realistic once you have provided income documentation, asset statements, and authorization to pull credit. Golf issues a written preapproval that lists what has actually been verified, which is what listing agents in a competitive Tampa Bay market want to see attached to an offer.
Tampa and South Tampa, Lutz, Wesley Chapel, Land O’ Lakes, Carrollwood, Westchase, New Tampa, Brandon, Riverview, Clearwater, St. Petersburg, Sarasota, Bradenton, and Lakewood Ranch — plus the surrounding Hillsborough, Pasco, Pinellas, and Manatee county communities.
FHA, VA, conventional, jumbo, first-time homebuyer programs including HomeReady, physician and doctor loans, DSCR investor financing, and refinances. Each has a dedicated page on this site outlining requirements and typical structures.
It depends on the program. FHA can work in the 580 range and sometimes lower with compensating factors, VA has no published minimum though most lenders want roughly 620, and conventional financing generally starts around 620 with better pricing above 740. A low score does not automatically rule you out — it changes which lender and which program fits.
