Riverview, FL · Hillsborough County · Tampa Bay
Mortgage Advisor in Riverview, FL
Darryn Stephen is a Senior Mortgage Advisor with Smart Home Loans (NMLS #2664300), helping buyers in Riverview and southern Hillsborough County.
Riverview is one of the fastest-growing parts of Tampa Bay, with a lot of new construction. New builds and planned communities come with their own costs and timelines, and I’ll help you understand all of them before you sign.
- Florida-licensed
- NMLS #2664300
- Serving Riverview
- Hillsborough County
How I help Riverview home buyers and homeowners
Every situation is different. Programs, terms and approval depend on your finances, the property and lender guidelines.
Buying a home
Clear pre-approvals and plain-language guidance from first conversation to closing day.
Refinancing
Exploring whether a refinance makes sense for your goals, including removing an ex-spouse from a loan after divorce. Not legal advice.
VA loans
Helping eligible veterans, service members and surviving spouses explore VA home loan options.
First-time buyers
Walking you through each step so you know what to expect before you start touring homes.
Down payment assistance
Florida, county and local programs can help some buyers. Eligibility, limits and funding vary.
Self-employed buyers
Income is documented differently when you own a business. I’ll explain what lenders may ask for.
Buying a home in Riverview
Riverview sits along the Alafia River in southern Hillsborough County, between Brandon to the north and Apollo Beach and Ruskin to the south, with quick access to I-75 and US-301.
Master-planned communities like Panther Trace, Waterleaf, South Fork and Triple Creek are common here. Many have both HOA dues and Community Development District (CDD) fees, and lenders count both, so I’ll help you find the real numbers before you commit.
Buying new construction? Builders often have a preferred lender, but you’re free to compare. I’ll coordinate with the builder’s timeline so your pre-approval and closing line up with the build schedule.
Older areas near the Alafia River and Boyette Road offer more established homes and bigger lots. Close to the water, flood zones and insurance matter, and we build those costs into the numbers from day one.
Before mortgages, I spent years as a financial planner in South Africa, with a bachelor’s in business and a postgraduate diploma in financial planning law. I still look at a home loan as part of your bigger financial picture.
What clients say
Had an excellent experience from start to finish with Darryn. Very knowledgeable, responsive, and professional throughout the entire mortgage process. He took the time to explain everything clearly, was always available when I had questions, and made the process smooth and straightforward.
Also serving: Jupiter · Palm Beach Gardens · North Palm Beach · West Palm Beach · Tampa · Brandon · Riverview · all areas
Buying or refinancing in Riverview?
No pressure, just clear answers. Call, text or email me.
Ready to apply? Start at smarthomeloans.net.