As a licensed Mortgage Loan Originator and Tampa Bay REALTOR®, Alex Lloyd guides you from pre-approval to closing — one trusted advisor for the full transaction. While 54 Realty has a preferred lending relationship with Zillow Home Loans, you are never obligated to use them and are free to work with the lender of your choice.
Whether you're purchasing your first home, refinancing, or leveraging a VA benefit you've earned, there's a loan program built for your situation.
Flexible terms, competitive rates, and no upfront mortgage insurance with 20% down. Ideal for buyers with strong credit and stable income.
Earned through service. VA loans offer zero down payment, no private mortgage insurance, and competitive rates for eligible veterans and active-duty military.
Lower down payment and more flexible credit requirements make FHA a strong option for first-time buyers and those rebuilding credit.
For eligible properties in designated rural zones — including parts of Pasco and Hernando counties — USDA offers zero-down financing with low mortgage insurance.
Lower your rate, reduce your term, or tap equity with a cash-out refi. We'll run the numbers to see if refinancing makes sense for your situation right now.
For loan amounts exceeding Fannie/Freddie conforming limits. Ask about available programs for higher-value Gulf Coast properties.
A straightforward process — no surprises, no handoffs to a stranger mid-transaction.
We review your income, assets, credit, and goals to determine your buying power and the best loan program for your situation. You'll leave with a solid pre-approval letter.
As both your MLO and your REALTOR® (when applicable), I understand what lenders need at each stage — so your offer is structured to hold up from contract through underwriting.
We gather docs, order the appraisal, and submit to underwriting. I stay in contact with the processing team and keep you updated so nothing stalls your closing date.
Final numbers locked, closing disclosure reviewed, wire instructions confirmed. You show up to closing knowing exactly what to expect — and you get your keys.
Most buyers work with a real estate agent and a loan officer who have never spoken. When both roles answer to you, the transaction moves differently.
Florida REALTOR® (SL3581563) and state-approved MLO (NMLS #2749193) — the only person in the room who understands both sides of the contract.
Born and raised here. I know Wesley Chapel, Lutz, Spring Hill, and the full Gulf Coast corridor — not just the zip codes, but the neighborhoods.
Processors and underwriters are part of every loan — but I stay your primary contact throughout. You always have someone to call who knows your file.
Loan structure decisions are made with your real estate goals in mind — not just what closes fastest. Rate, term, and program all fit the bigger picture.
Estimate your monthly payment including principal, interest, taxes, and insurance. Actual rates and terms determined at application.
Tell me a little about your situation and I'll reach out within one business day to discuss your options and next steps. Note: 54 Realty maintains a preferred lending relationship with Zillow Home Loans — you are not obligated to use them and may work with any lender you choose.