Bryan Hamel

Loan Officer

Phone: (207) 807-2803

Office: (813) 683-5825

Fax: (813) 441-6206

NMLS# 2240260

Bryan Hamel is in the business of helping people. Bryan has the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly.

Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, refinance or simply wishing for a change, Bryan Hamel can help you before you ever make an offer on a property. Bryan will sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan works for your situation. There are many factors to consider when getting a home loan, interest rates are only one element of the complete package. Bryan Hamel will help you consider all your options so you can concentrate on making the best decision for your needs.

Approval & Closings with Ease & Speed

The financial aspects of home buying can be stressful and overwhelming, but they don’t have to be, not with a trained and caring professional like Bryan Hamel in your corner. 

 Get to know Bryan and the team at Florida Pro Mortgage. We’re ready to talk. But first, we’ll listen to your goals and create a loan solution that best fits your financial goals.

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Approvals and Closings with Ease and Speed!

At Florida Pro Mortgage, our mission is to deliver an unparalleled experience to our clients. We do so by focusing on the client experience. We hire great people and train each and every one of them to provide friendly, personal service through every stage of the loan process.

We pick up every call, respond to every email and have a system in place that allows us to answer questions and resolve any issues in minutes, not days. We also give our clients  a cost effective, faster, easier mortgage process that takes an average of just 30 days from start to finish, compared to the industry average of 45 to 60 days.

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Why Florida Pro Mortgage?

Save Time & Money

When you use Florida Pro Mortgage you can save time and money. We’ve streamlined the process to get your money as fast as possible with no surprises.


Our online application process is fast and secure. We make it easy for customers to understand the process and connect their data, producing an accurate file to help you close your loan faster.

Lending Partners

Florida Pro Mortgage has a large network of reputable lenders offering many different mortgage programs. We work to get you the most favorable mortgage rates and terms.

Customer Service

Florida Pro Mortgage works one-on-one with each individual client, evaluates their specific needs and finds a lender that suits their situation personally.

Knowledgable Staff

Florida Pro Mortgage has a large network of reputable lenders offering many different mortgage programs. We work to get you the most favorable mortgage rates and terms.

Stay In-The-Know

Know what’s happening every step of the way with a full view of where you are in the process, and what comes next.

The Home Loan Process

Florida Pro Mortgage is focused on making sure the home loan or refinance process is easy! Let our experienced loan officers help you unlock your full credit potential to get the best interest rate and payment possible. 

What to Expect: Initial Doc Review

What to Expect: Underwriting Process

Understanding Credit Scores

Loan Process Explained

The first step in obtaining a loan is to determine how much money you can afford on a monthly basis. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your current buying power, based on industry guidelines and current mortgage interest rates.

You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities. It is recommended that you get pre-approved before you start looking for your new house so you:

  • Look for properties within your range.
  • Be in a better position when negotiating with the seller (seller knows your loan is pre-approved).
  • Close your loan quicker.

Home loans come in many shapes and sizes. Deciding which loan makes the most sense for your financial situation and goals means understanding the benefits of each.  Whether you are buying a home or refinancing, there are different types of home loans. Each has different reasons you’d choose them.

By carefully considering the above factors our loan officers will help you to select the loan option that matches your present situation as well as your future financial goals. 

Once you’ve found the home you love, your next step is to Apply using our Once you’ve found the home you love, your next step is to Apply using our Secure Online Applincation. Our streamlined app syncs with your bank to get you accurate numbers, fast! 

With a simple online application, document submission and  far fewer hurdles we allow our clients to E-sign and go. The old, time-consuming mortgage process is a thing of the past. 

Although lenders conform to standards set by national and government agencies, loan approval guidelines vary depending on the terms and variables of each loan. In general, approval is based on two factors: your ability and willingness to repay the loan, and the value of the property.

Once your loan application has been received we will start the loan approval process immediately. Our loan processor will verify all of the information you have given. If any discrepancies are found between the verbal information you have given and the financial documentation you submitted, either the processor or your Mortgage Advisor will troubleshoot to straighten them out. This information includes:
Income/Employment verification.
Assets to cover the cost of closing.
Credit review to confirm no other past-due obligations.
We follow Industry guidelines to evaluate and determine your income will cover of all your debts.

When an application is totally completed, the underwriting process begins. Now Lender checks the application taking a variety of components into account: credit score, risk scores, and many lenders generate their own unique criteria for scoring that can be unique to their business or industry.

Credit Check

What is your ability to repay debts when due?  Your credit report is reviewed to determine the type and terms of previous loans. Any lapses or delays in payment are considered and must be explained.  A Mortgage Lender is considering extending you the largest amount of debt, for the longest period of time.  How you have dealt with previous credits could be an indication of how you will act in the future.

Asset Evaluation

Do you have the funds necessary to make the down payment, pay closing costs and potentially have “reserves” after closing?  There are multiple sources where you can secure these funds.

Property Appraisal

Is there sufficient value in the property? The property is appraised to determine current market value. Location and zoning play a part in the evaluation.  A Mortgage Lender will extend you credit based on your qualifications, but it’s also because you are pledging your property as collateral.  Determining the current market value is very important.

After your loan is approved, you are ready to sign the final loan documents. You must review the documents prior to signing and make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate. For purchase transaction, the signing normally takes place at a title company and lasts about an hour. For refinances, the location is a bit more flexible, but typically takes place at our office.

There are also several fees associated with obtaining a mortgage and transferring property ownership which you will be expected to pay at closing. Bring a Cashier’s check for the down payment and closing costs if required. Personal checks are NOT accepted. You also need a valid (not expired) form of identification.

Your loan will normally close shortly after you have signed the loan documents. On owner occupied refinance loan transactions federal law requires that you have 3 days to review the documents before your loan transaction can be finalized. These three days do NOT include Sundays or holidays.

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Home Loans

Preapproval is the process of determining how much money you can borrow to buy a home. To preapprove you, we look at your income, assets and credit score and determine what loans you could be approved for, how much you can borrow and what your interest rate might be.

Loan Refinance

If you would like to lower your monthly mortgage payment, change the terms of your loan or consolidate debt, you may want to consider refinancing. Since you’ve already been through the mortgage process, you’ll find that refinancing may help you reach your financial goals.