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Frank Gemma

As your local Caliber Home Loans representative, I'm dedicated to providing superior service and personal expert guidance throughout the home financing process.

Frank Gemma

Sales Manager
NMLS#: 432362
  • Renovation Lending
  • VA Lending
1715 N Westshore Blvd., Suite 400
Tampa, FL 33607

About Me

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The Frank Gemma Team worked efficiently and promptly on my loan. They always went out if they're way to get back to me. I would highly recommend them. Great doing business with them.
–Terri H.
This particular buyer was by far, my most difficult and demanding client I have worked with in years. The Gemma Team was able to get past how difficult this buyer was at times, and they did what needed to be done to get this file closed and move on. Donna and Frank were "AWESOME". Thank you.
–Tom B.
I have been a Realtor for 12 years. I would estimate that around 95% of my Buyer clients go with the lender I refer them to. I have worked with the same mortgage person for all 12 years and have coped with unreturned phone calls, lack of communication, repeated requests for the same documents and every excuse from a broken down car to numerous cases of "computer failure". I stuck with her out of loyalty and finally realized I was doing a serious disservice to my clients. Donna and Frank were amazing. I have found a new home for myself and my Buyers! Thank you for making this so easy and enabling me to conduct MY other business while you handled the mortgage end of the transaction. I am so grateful!
–Karen K.

Testimonials are individual experiences, reflecting real-life experiences of those who have used our services in some way. However, they are individual responses and results vary. The testimonials are not necessarily representative of all of those who will use our services.

About Frank Gemma

Experience – Expertise – Education – Empathy – the Team Gemma Difference

With all the mortgage companies and banks offering home loans, here are a couple of items that make Team Gemma stand out

Experience - I've built a successful career as a Loan Officer in the Tampa Bay Area since 1997.  I have personally closed thousands of mortgage loans; so I have experienced most situations that could cause closing dilemmas.  From first time homebuyers to second home buyers to investors, I've helped with all types of purchases with loan solutions from down payment assistance to construction, renovation lending and jumbo loans; on all types of properties from Single Family Homes, luxury condominiums Townhouses, Duplexes, Triplexes and Fourplexes.

Expertise - Since you have specific needs, you can rely on me to share my expertise to help you determine the best home financing strategy.  I regularly invest time into learning new programs, gaining approval to offer down payment assistance programs and meeting with other loan officers that offer programs not available to me.  I believe it's important to assure my partners and clients are not left searching for a loan program that best meets their needs and goals.

Education – I take multiple education classes each month to learn more about options for borrowers and attend classes at the Realtor board to better understand the challenges faced by my agent partners. I regularly meet with my underwriting and processing teams to keep up with changes in our company processes as well as changes in the mortgage market.  This up-to-date knowledge allows me to help more borrowers, even those who have experienced a bankruptcy, foreclosure or short sale; and lends to a smooth "no dilemma" mortgage experience.

Empathy - What sets me apart from other Loan Consultants is my core belief that each customer has a unique set of short and long term financial and lifestyle goals.  It is my job to provide a customized mortgage solution to those goals.  I believe that open, honest, and frequent communication is critical to a great home buying experience.  I am very aware that my agent partners not only trust me with their income, but also trust me with their professional reputation.  Also, my clients are not only trusting me with the financing of their home, but with the hopes and dreams that the home represents. 

And remember, if you want to avoid a mortgage dilemma, call Team Gemma!

#teamgemmamortgage  #nodilemmamortgage

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Contact Frank Gemma

NMLS#: 432362
Office: 727.642.6382
E-fax: 855.592.1870
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