Extensive real estate experience as a local lender for all of Hillsborough, Pasco and Pinellas counties.

Michelle Vander Wel
VP of Mortgage Lending

I am a true local lender, In 1994 I moved to Tampa, FL from a small town in Nebraska, it was love at first sight, a home with a pool right on the golf course in the Northdale community but it didn't stop there, I have lived in Odessa, North Tampa in the Carrollwood area and currently live on Davis Islands in South Tampa. There is so much to love about Florida!! When we go out on the weekends we go to Brandon, St. Petersburg all the way to Pasco county where my mom lives in Land O' Lakes to Dade City where we ride at Croom. I love working hard, playing hard, and spending time with my family. As an experienced Tampa local lender I truly enjoy helping my clients find the right loan options for them and helping them understand the process of buying or refinancing a home. I know that how I treat others today will directly effect my success in the future due to the many referrals I have received. It's a joy and a compliment to get these referrals. If you are someone that has been referred to me, know that I hope to make the same impact on you!

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Areas served
  • South Tampa, North Tampa, Riverview, Brandon, Fish Hawk, Trinity, Cheval, New Tampa, Odessa, Westchase, Beach Park, Pinellas County, Hillsborough County, Pasco, County, Harbor Island, Davis Islands, Land O' Lakes, Port Richey, Seminole Heights, Macdill AFB, Sun Bay South, Fair Oaks, Manhattan Manor, Ballast Point, Ybor, East Tampa, West Tampa, Avilla, Oldsmar, Dunedin, Safety Harbor, Town N' Country, Palm Harbor, Tarpon Springs, Zephyrhills, Wesley Chapel, Temple Terrace, Indian Shores, Seminole, Tierra Verde, Madeira Beach, Clearwater, Largo, Citrus Park, Hyde Park, Palma Ceia
    Services offered
    • VA Financing, Jumbo Loans, Conventional Loans, Non-Conforming Loans, Home Financing, Condo Financing, Townhome Financing, Second Home Financing, Investment Home Financing, First Time Homebuyer, Lowering Interest Rates, Refinance
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      Today's rates

      Loan typeRateAPRDiscount points ($)Mo. payment

      This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

      Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

      One discount points equals one percent of your loan amount.

      Some jumbo loan options may not be available to first-time home buyers.

      We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

      Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

      These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

      Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


      If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

      Adjustable Rate Mortgage (ARMs)

      Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.