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    • monday: 8:00AM – 6:00PM
    • tuesday: 8:00AM – 6:00PM
    • wednesday: 8:00AM – 6:00PM
    • thursday: 8:00AM – 6:00PM
    • friday: 8:00AM – 6:00PM
    • saturday: 10:00AM – 5:00PM
    • sunday: 10:00AM – 5:00PM
    • Down Payment Assistance
    • First-Time Homebuyers
    • Investment Property
    • Purchase
    • VA Loan
    • Parrish, FL
    • Brandon, FL
    • Lithia, FL
    • Sun City Center, FL

Your Local CrossCountry Mortgage Loan Officer

Scott Carter

  • Originating Branch Manager
  • Tampa, FL Mortgage Loan Officer
  • NMLS # 208414
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America’s #1 Retail Mortgage Lender

Hi, I’m Scott, and as one of Mortgage Executive Magazine’s Top 1% of Mortgage Originators in America, you can trust me to get it done. For over 30 years, I’ve provided the experience, knowledge, and commitment required to offer ideal financing solutions for my clients. Combined with CrossCountry Mortgage, a top-five mortgage lender with state-of-the-art technology and dedicated support staff, you’ll feel confident in your mortgage process every step of the way.

When you work with my team and me at America’s #1 Retail Mortgage Lender in Tampa, FL, we personalize home financing. We offer a wide range of loans, including conventional, jumbo, FHA, and VA, to give you customized loan options. From application to closing, we’ll provide a communication process and attention to detail that ensures a smooth closing. I look forward to walking by your side on your home financing journey.

See What I Qualify For

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

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A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Military member coming home to his daughter in his VA-funded home.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

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Inspiration for your home loan journey

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Frequently asked questions

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