Suncoast Mortgage Firm LLC

Florida Mortgage Broker Delivering Faster Closings, Better Service, and Competitive Rates

25+ Years Business Experience
Conventional • FHA • VA • Jumbo • Non-QM
Available 7 Days a Week
Average Clear-to-Close in as Little as 14 Days

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CONVENTIONAL
MORTGAGES

FHA
LOANS

VA
LOANS

JUMBO
LOANS

First-Time
Home Buyers

Non-QM Loans

Welcome to Suncoast Mortgage Firm LLC.

Meet Tony Mosco, Broker/Owner and Mortgage Loan Originator, NMLS #1919591, at Suncoast Mortgage Firm LLC, Company NMLS #2604189, proudly serving homebuyers and homeowners throughout Tampa. With more than 25 years of experience in business and finance, Tony brings not only deep industry knowledge, but also a genuine commitment to helping people make confident financial decisions during some of life’s biggest moments.

Backed by both a Bachelor’s degree and a Master’s degree in Business Administration with a specialization in finance, Tony combines expertise with a people-first approach that clients truly value. He understands that buying a home is more than just numbers and paperwork — it’s about building stability, creating memories, and investing in your future.

Known for his honest communication, integrity, and personal dedication, Tony takes the time to understand each client’s unique goals and concerns. Whether you’re buying your very first home, refinancing for a better future, or expanding your investment portfolio, Tony works to make the mortgage process feel clear, supportive, and stress-free from start to finish.

Clients appreciate Tony not only for his professionalism and attention to detail, but for the reassurance and confidence he provides throughout the journey. His mission is simple: deliver real guidance, real answers, and real support every step of the way.

With Tony on your side, you’re not just getting a mortgage professional — you’re gaining a trusted partner who genuinely cares about helping you achieve your homeownership goals.

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Our experience

We are committed to helping you find the best mortgage for your needs. Our years of experience in this industry give us a competitive edge that no other broker has access to!

Experienced
professionals

We are committed to helping you find the best mortgage for your needs.

Commercial and residential mortgages

We work with several reputable mortgage companies to provide you with the best mortgage solution.

Get the right
mortgage

We ensure our clients have the details they need to get a mortgage that fits their requirements.

Always available
to help

We'll always be ready for whatever comes up so that you can feel at ease with us on your side.

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Mortgage Loans That Fit Your Life

We offer home loans including fixed and adjustable rate options, Purchase, Refinance, Reverse mortgages and more.

What Our Client Say

We were so happy to work with Tony through our home buying process. He was recommended by our realtor after we were dissatisfied with a previous lender. He was great about hearing and meeting our needs. As first-time home buyers I loved how he was willing to give us a detailed breakdown of our loan and was always available for a quick call when we had questions. He went above and beyond to get us our clear to close by our preferred close date despite working with a difficult appraiser. He was definitely a key reason we were able to get our dream home.
Shekinah Wiggins
Tony got the mortgage for us quickly, he was a pleasure to work with . He found us the financing that met our needs , he was always there with patience and kindness . He is extremely qualified and knows the guidelines in every kind of financing situation. We were completely happy with him, and we highly recommend Tony if you need a mortgage!

Bonnies Sheppard
Tony Mosco provided us the best loan service we have ever experienced, and we purchased 5 homes over the years. He is always ready to answer questions, an excellent communicator, and made us feel like we were family to him. His team was efficient, friendly and professional, we felt like Tony’s team were always on top of everything we needed to get the best rates and smoothest closing.

Joe Ranieri

Local Expertise · Tampa Bay & Florida

Why Work With a Local Mortgage Broker
Instead of a Big Bank?

When it comes to financing your home, who you work with matters. At Suncoast Mortgage
Firm, you are not routed through a call center or treated like another loan number.
You receive direct, local guidance from an experienced mortgage professional who is
committed to helping you find the right loan, communicate clearly, and move toward
closing with confidence.

Big banks and online lenders often offer a one-size-fits-all experience. At Suncoast Mortgage Firm, we take a more personal and customized approach.

As an independent mortgage broker, we have access to multiple wholesale lenders, competitive loan options, and flexible programs designed to fit different borrower needs. Instead of being limited to one bank's products, we can shop available options and help structure the mortgage that makes the most sense for your situation.

You work directly with Tony Mosco from application through closing, giving you one experienced point of contact who knows your file, understands the local Florida market, and is available when questions come up.

Direct access to Tony Mosco — one point of contact, start to finish

Access to multiple wholesale lenders & competitive programs

Local Tampa Bay & Florida lending expertise

Side-by-side comparison

      
            What matters
            Big Bank / Online Lender
            
                Suncoast Mortgage Firm
              
            Point of contact
            Call center experience

            Direct access to Tony Mosco

            Loan options
            Limited loan options

            Access to multiple wholesale lenders

            Approach
            One-size-fits-all approach

            Customized mortgage solutions

            Communication
            Slower communication

            Fast, clear, direct communication

            Availability
            Hard to reach after hours

            Available nights and weekends

            Local knowledge
            May not understand local Florida issues

            Local Tampa Bay & Florida expertise

            Continuity
            Often passed between departments

            One contact, application to closing

            Flexibility
            Limited flexibility

            More options to structure the right loan

Get Local Guidance Before You Apply

Before you commit to a big bank or online lender, let's review your options. A quick conversation can help you understand what loan programs may be available, what your estimated payment could look like, and how to position your file for a smoother closing.

Suncoast Mortgage Firm LLC.

Our lending solutions use the perfect hybrid of human-driven insights and technical prowess to process loans faster and significantly reduce costs.

PHONE

(813) 599-3533

E-MAIL

tony@suncoastmortgagefirm.com

ADDRESS

14502 N Dale Mabry Hwy, Suite 200, Tampa, FL 33618

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Frequently Asked Questions

How much down payment do I need?

The amount you need for a down payment depends on the type of loan and your financial situation. Some buyers qualify with as little as 3% down on conventional loans, while FHA loans may allow down payments starting at 3.5%. We’ll help you explore the best option based on your goals, budget, and timeline.

What credit score is required?

Most mortgage programs require a minimum credit score, but the exact number varies by loan type. In many cases, buyers with scores in the 600s may still qualify. Even if your credit isn’t perfect, we can help you understand your options and what steps may improve your approval chances.

How long does preapproval take?

Many buyers can get preapproved within the same day once documents are submitted. Preapproval gives you a clear understanding of your budget and strengthens your offer when you find the right home.

Can I buy before selling my current home?

Yes — many homeowners buy before selling. Depending on your finances, there may be options that allow you to purchase first while preparing your current home for sale. We’ll walk you through the strategy that makes the most sense for your situation.

FHA vs Conventional — what’s the difference?

FHA loans are often popular with first-time buyers because they allow lower down payments and more flexible credit requirements. Conventional loans may offer lower long-term costs for buyers with stronger credit and larger down payments. We’ll explain the pros and cons of each so you can make a confident decision.

How fast can we close?

Closing timelines vary, but many loans can close in as little as 2–4 weeks depending on the loan type and documentation. Our team works proactively to keep your loan moving smoothly from application to closing day.

What are closing costs?

Closing costs are fees associated with finalizing your mortgage and home purchase. They may include lender fees, title fees, taxes, insurance, and appraisal costs. We’ll provide a detailed breakdown upfront so there are no surprises at closing.

What matters	Big Bank / Online Lender	Suncoast Mortgage Firm
Point of contact	Call center experience	Direct access to Tony Mosco
Loan options	Limited loan options	Access to multiple wholesale lenders
Approach	One-size-fits-all approach	Customized mortgage solutions
Communication	Slower communication	Fast, clear, direct communication
Availability	Hard to reach after hours	Available nights and weekends
Local knowledge	May not understand local Florida issues	Local Tampa Bay & Florida expertise
Continuity	Often passed between departments	One contact, application to closing
Flexibility	Limited flexibility	More options to structure the right loan