What’s a Fee Free Mortgage?


A no cost mortgage option that puts you in charge of your finances

Save time and money with Home Access Financial’s NO FEE Mortgage program. Contact us today to see if you may qualify for a loan with NO lender fees, NO discount or origination points, and NO underwriting or processing fees. Let our team deliver great terms, an on time closing, consistent communication, and an effortless preapproval.

Call (813) 863-9464 or request a no obligation rate quote using the form above.

Benefits of our Fee Free Mortgage


  • Competitive Rates

    With our wide array of investors we are able to provide some of the most competitive fixed rates in the industry. Not to forget, that if you refinance you can utilize your home’s equity to consolidate debt, make a major purchase, or just take a vacation.

  • Saving Money

    Not only do we have competitive rates, but they also loans with no lender fees, no discount points, no origination fees, no processing fees, and no underwriting fees. On top of that, we have loans with up to 99% loan to value with only 1% down.

  • Painless

    You can apply online with ease, call one of our experienced loan originators, or come by in person in our downtown Tampa office. Our company can provide you something banks can’t: constant communication at every step along the way, the same process and loan officer with you along your home buying journey.

  • Paperwork You’ll Need

    • Social Security numbers for both you and any co-borrowers
    • Copies of checking and savings accounts statements for the past two months
    • Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)
    • Recent paycheck stubs
    • W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
    • The name and address of someone who can verify your employment
    • Residence history for the past two years
    • Sales contract for the purchase of a new home
    • Homeowner’s association information with contact information if property is a condo or part of a homeowner’s association

    Contact us today for a full list of paperwork required to complete the application and underwriting processes.

  • Contact Us

    Thank you for your interest in Home Access Financial. You can request additional information using any of the following methods:



        • Call (813) 863-9464
          • Complete the rate quote form on this page





    Why Us?

    • Wide Variety of Programs
    • Fast Turn Times
    • Dedicated Service
    • Streamline Loan Process