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YOUR MORTGAGE
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Rebecca Larrea

Rebecca Larrea

Tampa Bay Mortgage Advisor & Home Loan Expert [email protected] nmls#1479297
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Rebecca Larrea is a Tampa Bay-based Mortgage Advisor and Home Loan Expert with over a decade of experience helping homebuyers, investors, and families build wealth through real estate. Since 2012, she has been guiding first-time homebuyers, repeat buyers, and real estate investors across Tampa, St. Petersburg, Clearwater, and all of Florida - with the ability to lend in 46 additional states. Rebecca's journey into mortgage lending began when she opened a broker shop with her husband. What started as an unexpected step quickly became a fulfilling mission. She stayed in the business because it allowed her to serve others, promote financial literacy, and help people take one of the most important financial steps of their lives with clarity and confidence. Specializing in FHA, VA, conventional, and investment property loans, Rebecca is known for making the mortgage process feel simple, human, and stress-free. She offers pre-approvals within 24 hours and is the kind of lender who actually picks up the phone. Her clients rely on her for her honesty, strong communication, and refreshing mix of professionalism and heart. Rebecca is deeply committed to personal and professional growth. She is an active member of the GO! Coaching community, where she was selected as one of just four student ambassadors among 700+ members. She is also proud to be recognized in Creative Loafing's annual Best of the Bay awards - named a top-three finalist in 2024 and making it to the voting round again in 2025. Her ultimate goal is simple: To make homeownership more accessible and to help Tampa Bay homebuyers and investors build long-term wealth through real estate and education. For Rebecca, the most rewarding part of the job is watching clients step into the next chapter of their lives - happy, confident, and well-prepared. Se Habla Español

Here's how we do things

Apply Online
Get
Pre-Approved
Begin Home
Search
Loan Submitted
to Processing
Clear to Close!
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Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.

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Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.

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Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.

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This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.

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After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.