Home Purchase
First home or fifth — we'll find the right loan for your situation and budget, fast.
Get started →
🏠 Florida's Family-Owned Mortgage Broker
Your Florida Home Loan,
Handled Personally.
Since 1999, Homesite Mortgage has helped Florida families buy homes, lower their rates, and build real wealth through real estate — one loan at a time, with a real person on every call.
Licensed in Florida · NMLS #353790
27 years in business
Equal Housing Opportunity
Family-Owned Since 1999
Homesite Mortgage · NMLS #353790
Licensed in Florida Only
Homesite Mortgage Corp · NMLS #353790
No 800 Numbers, No Runaround
Tom answers and handles your loan personally
Apply 100% Online
By phone, email, and secure online tools
Simple Process
From Application to Closing — We Keep It Simple
No jargon, no surprises. Here's exactly how it works when you work with Homesite Mortgage.
Submit Your Info
Fill out our secure online prequal form in under 5 minutes. No hard credit pull at this stage — just the basics to get started.
We Reach Out to You
Your submission is personally reviewed and someone from our team follows up within 1 business hour to discuss your options, answer questions, and map out next steps.
Close Your Loan
Tracy handles processing and closing with the same personal attention. You'll always know who to call — because it's the same two people, start to finish.
Loan Programs
What Are You Looking For?
We originate all major loan types in Florida. Not sure which fits your situation? Tom will tell you exactly what you qualify for on your first call.
Refinance
Lower your rate, reduce your payment, or access your equity. We'll run the numbers honestly.
Get started →FHA Loans
As low as 3.5% down. A solid path for first-time buyers building their credit history.
Get started →VA Loans
Zero down for eligible veterans and active-duty service members. You've earned this benefit.
Get started →Conventional Loans
Flexible terms, competitive rates, no upfront mortgage insurance for qualified buyers.
Get started →DSCR / Investment
Financing qualified by the property's rental income — built for real estate investors growing a Florida portfolio.
Get started →Non-QM (Self-Employed)
Self-employed or non-traditional income? Flexible documentation options for borrowers who don't fit the standard mold.
Get started →Who You're Working With
Three Licensed Professionals. No Call Centers.
Homesite Mortgage was founded in 1999 with one goal: to give Florida borrowers the same honest, personal guidance we'd want for our own family. In 27 years, that hasn't changed.
When you submit a prequal, Tom reviews it personally. Tracy handles your processing and closing with the same care. A small team of licensed professionals — no call centers, no handoffs to juniors, same names start to finish.
PORTRAIT COMING SOON
Tom Culpepper
Principal Broker
NMLS #353539
PORTRAIT COMING SOON
Tracy Cody
Loan Processing & Closing
NMLS #886861
PORTRAIT COMING SOON
Brandon Culpepper
Mortgage Loan Originator
NMLS #1577726
Ready to Move Forward?
See What You Qualify For — No Hard Credit Pull
Takes less than 5 minutes. Our team will follow up within 1 business hour to walk through your options.
Get Pre-Approved →Or call us directly: 321-432-6611 · tcloans1@gmail.com