Ready to Apply for Financing?

Get a $5000 credit towards closing costs!

Ready to Get Started?

Follow these simple steps so we can get to work on your loan application.  Please call me if you have any questions.

  1. Go to
  2. Click the “Start Now” button (to the left of my photo)
  3. Click the "Start a new application" button
  4. Fill out the registration information, create a password and then register
  5. This will bring you to the loan application.  Please answer the questions as completely as possible.  Do the best you can.  I can fix/change any of the data that you enter, when I review the file.
  6. Follow the instructions on each page until the end - then submit!
  7. Congratulations!  You are done.
caliber lOGO

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.

Frank Gemma
NMLS#  432362
Phone: 727-642-6382
Caliber Home Loans
1715 N Westshore Blvd., Suite 400
Tampa, FL 33607


Kingsport Townhomes

8305 King Blossom Court
Tampa, FL 33615


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150 2nd Ave N, Suite 100 St. Petersburg, FL 33701

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