Joe Bell,Ultimate Mortgage Company for home mortgages in St. Petersburg, Tampa and all Florida and Budd Lake, NJ

  Joe Bell Mortgage Broker is a BBB Accredited Business. Click for the BBB Business Review of this Mortgage Brokers in Saint Petersburg FL
Joe Bell, mortgage broker
Ultimate Mortgage Company is now able to offer you lower rates and more creative mortgage options through our expanded network of banks and wholesale mortgage lenders. We continue to provide low rate home mortgage financing and refinancing along with unmatched customer service to homeowners in the St. Petersburg - Tampa, Florida area and all of Florida along with New Jersey and Pennsylvania. We also offer commercial financing in all 50 states.


How do we do it? By matching your loan scenario with our database of over 100 banks and wholesale mortgage lenders to find the program that makes the most sense for YOU! Call us with your scenario and find out about all the available options for your home loan financing today.

Joe Bell, Ultimate Mortgage Company in St. Petersburg, FL and Budd lake, NJ offers competitive terms for conventional and jumbo loans as well as FHA, VA and USDA loans. Our 2014 programs include the HARP 2.0 and FHA streamline refinance programs for borrowers whose loan balance exceeds the value of the property. Most of these programs do not require an appraisal or income verification. Our new program is available with NO closing costs!

Whether your mortgage scenario is a purchase  or refinance,   we have access to hundreds of programs including FHA, VA, USDA and FHA 203(k),Fannie Mae Homepath and Homestyle rehab loans. 

We don't tell you what you want to hear. We tell you what you need to know! Joe Bell, mortgage broker, Ultimate Mortgage charges no upfront fees; we earn no fees if we can’t close your loan.  

Call anytime for information (727) 527-1454 or toll free (888) 856-3235.


Your first step is to determine your loan scenario:


  • PURCHASE Up to 100% financing for owner occupied properties and 90% for investment properties and second homes. We can assist you in structuring your transaction in a way that is most beneficial to you, ultimately saving you time and money!          more info


  • REFINANCE available programs include those for debt consolidation and home improvement along with streamline rate reduction programs. We offer HARP 2.0 refinance programs and FHA streamline refinances for borrowers whose mortgage balance exceeds the value of the property.               more info


  • REHAB LOANS allow you to not only purchase property by will provide rehab funds to complete your project. Up to 96.5% financing is available for owner occupied properties, while investors can receive up to 85% financing.               more info


  • HIGH BALANCE & JUMBO LOANS  We have special pricing available for loans with balances from $417,000 to $2,500,000 . Each scenario is individually quoted on case by case basis. Call today for more information.


  • HARD MONEY mortgages are available trough private mortgage lenders in St. Petersburg-Tampa along with Sarasota and Fort Myers with minimal income, asset or credit requirements           more info


  • NICHE PROGRAMS These include lot loans, bridge loans, foreclosure bailouts, foreign national loans, manufactured homes and private money lending. Call Joe Bell for more information at (888) 856-3235 or email to


  • CREDIT ISSUES Call Joe Bell at (888)856-3235 for free credit analysis and in some situations we can boost your credit score in less than 24 hours to increase eligibility options.
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