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Serving Those Who Served — And Every Family Ready to Own Their Home
Veteran-Owned & Operated Mortgage Brokerage | Proudly helping Veterans and Families achieve homeownership with lower rates and world-class service.
A Mission Born from Service
Founded by Army Veteran Jose Sampoll, who proudly served seven years in the U.S. Army, Salute Home Lending is built on the same principles that define our nation's heroes: integrity, discipline, and unwavering commitment.
After his honorable service, Jose brought that mission-driven mindset to the mortgage industry, transforming the way veterans and families achieve the American Dream. With access to over 120 lenders nationwide, we fight tirelessly to secure the best rates and most favorable terms for every client.
We don't just process loans — we serve families with the same honor and precision that built this great nation. Your success is our mission.

NMLS #274055 | Equal Housing Lender | Serving Florida, Indiana, Virginia & Beyond
Why Choose a Broker Over a Bank?
We Work for YOU
Banks represent themselves. We represent your best interests, shopping dozens of lenders to find your perfect match.
Better Rates, More Options
Access to 80+ lenders means competitive rates and flexible programs you won't find at a single bank.
Speed & Precision
Military efficiency meets mortgage expertise. We close loans faster while maintaining the highest standards of accuracy.
"We were denied by our bank but approved with Salute Home Lending in 12 hours. Jose and his team truly care about veterans like us!"
— The Johnson Family, Tampa Bay
Loan Programs Designed for Your Mission
Every borrower has unique needs and goals. At Salute Home Lending, we partner with 120+ lenders nationwide to ensure you get the right loan program with the best terms possible. Whether you're a veteran, first-time buyer, investor, or growing family, we have a solution tailored for you.
VA Loans: Honoring Your Service with Zero Down
The VA home loan is one of the most powerful benefits available to those who've served our nation. Designed specifically for Veterans, Active-Duty Service Members, and Eligible Spouses, this program offers unmatched advantages that make homeownership more accessible and affordable.
At Salute Home Lending, we understand the VA loan process inside and out. As a veteran-owned brokerage, we've helped countless military families unlock the full potential of their VA benefits.
Unbeatable VA Loan Benefits:
  • 0% Down Payment — Buy a home with no money down
  • No Private Mortgage Insurance (PMI) — Save hundreds monthly
  • Lower Interest Rates — Better rates than conventional loans
  • No Loan Limits — Purchase higher-priced homes in any market
  • Flexible Guidelines — More forgiving credit and income requirements
  • Reusable Benefit — Use your VA loan multiple times throughout your life

Did You Know?
You can use your VA loan benefit more than once, and even have multiple VA loans at the same time for investment properties or relocations.
Programs for First-Time Buyers & Investors
FHA Loans
Perfect for First-Time Buyers
Get started with as little as 3.5% down and flexible credit requirements. FHA loans welcome gift funds from family and offer streamline refinances to lower your rate without a full appraisal.
  • Credit scores as low as 580 accepted
  • Higher debt-to-income ratios allowed
  • Gift funds permitted for down payment
  • FHA Streamline refinancing available
Conventional Loans
Flexible Options for All Buyers
Starting at 3% down with no upfront mortgage insurance. Perfect for primary homes, second homes, and investment properties. Fannie Mae's November 2025 update removed minimum credit score requirements, opening doors for more buyers.
  • Lower long-term costs than FHA
  • No upfront mortgage insurance
  • Conventional 97 program: 3% down
  • Ideal for repeat buyers and investors
USDA Loans
Rural & Suburban Homeownership
0% down payment options for eligible rural and suburban properties. USDA loans offer low mortgage insurance and are income-based, making homeownership possible in growing communities outside major cities.
  • 100% financing available
  • Low monthly mortgage insurance
  • Competitive interest rates
  • Perfect for growing families
DSCR Investor Loans
Build Your Real Estate Portfolio
Qualify based on rental income, not tax returns. Perfect for real estate investors looking to expand their portfolio. Close in an LLC, access interest-only payment options, and grow your wealth through real estate.
  • No personal income documentation required
  • Qualify on property cash flow (DSCR)
  • Close in personal name or LLC
  • Interest-only payment options available
Down Payment Assistance: Up to $35,000 Available
Making Homeownership More Accessible
Florida offers some of the most generous down payment assistance programs in the nation. Whether you're a veteran, teacher, nurse, first responder, or first-time buyer, you may qualify for up to $35,000 to help with your down payment and closing costs.
These programs can be combined with VA, FHA, USDA, and Conventional loans to maximize your purchasing power and minimize out-of-pocket expenses.
01
Check Your Eligibility
We'll review your occupation, income, and homebuying goals to identify available programs.
02
Get Pre-Approved
Secure your financing and understand exactly how much assistance you qualify for.
03
Find Your Home
Shop confidently knowing you have financial support to make your offer competitive.
04
Close with Confidence
Use your down payment assistance at closing and move into your dream home.

Florida Hometown Heroes Program: Provides assistance to veterans, active military, educators, healthcare workers, law enforcement, firefighters, and other essential service personnel.
Our Core Values: Built on Military Principles
At Salute Home Lending, we operate with the same values that define America's military: honor, integrity, commitment, and service excellence. These aren't just words on a wall — they're the foundation of every interaction, every loan, and every relationship we build.
Integrity
We do the right thing, even when no one is watching. Complete transparency in every transaction, every rate quote, and every piece of advice we give.
Commitment
Your success is our mission. We fight for your best interests with unwavering dedication from application through closing and beyond.
Respect
Every client deserves dignity and professionalism. We honor your service, your time, and your trust in us with the respect you've earned.
Service
Service to others defines us. Whether you're a veteran or civilian, we're honored to serve you in achieving homeownership and building wealth.
Excellence
Good enough isn't good enough. We pursue excellence in every detail, delivering world-class mortgage solutions with military precision.
"To provide world-class mortgage solutions with the same honor, loyalty, and precision that define our nation's heroes."
— Mission Statement, Salute Home Lending
Your Mission: Homeownership
Our Mission: Make It Happen
Whether you're a veteran, first-time buyer, investor, or growing family, Salute Home Lending is honored to serve you. With access to 80+ lenders, unmatched expertise, and a commitment to your success, we'll fight to get you the best rate and the best deal possible.
Homeownership is more than a financial milestone — it's a symbol of freedom, security, and the American Dream. Let us help you achieve it with the honor and precision you deserve.
120+
Lenders Nationwide
Maximum options and competitive rates
10
Years of Service
Army veteran leadership and expertise
0%
Down for VA Loans
No down payment required for veterans
$35K
DPA Available
Down payment assistance for qualified buyers
Serving Tampa Bay, Pasco County, Trinity & All of Florida
Based in Trinity, Florida, we proudly serve clients throughout Tampa Bay, Pasco County, and across Florida, Indiana, and North Carolina. No matter where you're looking to buy, our nationwide lender network means we can help you secure financing anywhere.

Salute Home Lending | Veteran-Owned & Operated
NMLS #274055 | Equal Housing Lender
📍 Trinity, Florida | 🇺🇸 Proudly Serving Those Who Served
"As a veteran, I understand the value of trust, honor, and commitment. At Salute Home Lending, we bring those same values to your home loan — every time."
— Jose Sampoll, Founder & Broker