About Carmela Townsend
Carmela Townsend is an over 30-year mortgage professional helping investors, self-employed borrowers, and clients seeking non-QM financing secure the right mortgage solution throughout Florida. Specializing in FHA, VA, Conventional, Jumbo, and Non-QM loans, she is particularly skilled at structuring loans for approval and navigating unique or complex financing situations. Over the course of her career, Carmela has built extensive experience helping borrowers understand their options and find financing solutions that fit their individual circumstances. Clients choose to work with Carmela because of her knowledge, patience, empathy, and commitment to making the mortgage process as smooth and easy as possible. She takes the time to educate her clients about their options rather than simply presenting them with a loan, helping them make informed decisions throughout the process. Known for being highly responsive and accessible, Carmela answers her phone and is available during evenings and weekends. Her clients appreciate her patience, understanding, helpfulness, and ability to provide knowledgeable guidance when they need it most. Outside of work, Carmela enjoys cooking Italian food, boating, and dancing. She is also actively involved in her community as an Ambassador to the Tarpon Springs Chamber of Commerce, a member of the Dunedin Chamber of Commerce and the GFWC Women's Club of Tarpon Springs, and a member of Power Gals. If you're looking to buy a home, explore financing options, or find a mortgage solution for a unique situation, reach out to Carmela to discuss your options.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 500 North Westshore Blvd, Suite 850 Tampa FL, 33609