# Lendworkz LLC — Tampa Bay Mortgage Broker

> Lendworkz LLC is a licensed mortgage brokerage based in Lutz, Florida, led by broker Golf Phuphanich (NMLS #291838; company NMLS #2780991). We originate loans directly — no handoffs — for buyers and homeowners across the Tampa Bay area, including Hillsborough, Pasco, and Pinellas counties (Lutz, Wesley Chapel, South Tampa, Clearwater, St. Petersburg, Sarasota, and Bradenton). We offer FHA, VA, conventional, jumbo, fixed-rate, adjustable-rate, interest-only, and graduated-payment mortgages, along with first-time homebuyer, HomeReady, physician, and DSCR investor loan programs, and refinancing.

> The pages below cover our loan programs, service areas, mortgage education resources, and tools for buyers and homeowners working with Lendworkz:


## Pages

- [Mortgage Lender in South Tampa, FL](https://lendworkz.com/mortgage-lender-south-tampa-fl/)
- [Mortgage Lender in Wesley Chapel, FL](https://lendworkz.com/mortgage-lender-wesley-chapel-fl/)
- [Mortgage Lender in Lutz, FL](https://lendworkz.com/mortgage-lender-lutz-fl/)
- [HomeReady Loans in Tampa Bay, FL](https://lendworkz.com/homeready-loans/)
- [Physician & Doctor Loans in Tampa Bay, FL](https://lendworkz.com/physician-loans/)
- [First-Time Home Buyer Loans in Tampa, FL](https://lendworkz.com/first-time-home-buyer-loans-tampa/)
- [Mortgage Lender vs. Bank in Tampa, FL](https://lendworkz.com/mortgage-lender-vs-bank-tampa/)
- [DSCR Investor Loans in Tampa Bay, FL](https://lendworkz.com/loan-programs/dscr-loans/)
- [Glossary](https://lendworkz.com/mortgage-basics/glossary/)
- [Refinance](https://lendworkz.com/mortgage-basics/refinances/)
- [Private Mortgage Insurance (PMI)](https://lendworkz.com/mortgage-basics/private-mortgage-insurance-pmi/)
- [Appraisals](https://lendworkz.com/mortgage-basics/appraisals/)
- [Closing Cost](https://lendworkz.com/mortgage-basics/closing-cost/)
- [Credit](https://lendworkz.com/mortgage-basics/credit/)
- [Application Checklist](https://lendworkz.com/mortgage-basics/application-checklist/)
- [Fixed Rate Mortgages](https://lendworkz.com/loan-programs/fixed-rate-mortgages/)
- [Adjustable Rate Mortgages (ARM)](https://lendworkz.com/loan-programs/adjustable-rate-mortgages-arm/)
- [Interest Only Mortgages](https://lendworkz.com/loan-programs/interest-only-mortgages/)
- [Graduated Payment Mortgages](https://lendworkz.com/loan-programs/graduated-payment-mortgages/)
- [Jumbo Loans in Tampa Bay, FL](https://lendworkz.com/loan-programs/jumbo-loans/)
- [VA Loans in Tampa Bay, FL](https://lendworkz.com/loan-programs/va-loans/)
- [Conventional Loans in Tampa Bay, FL](https://lendworkz.com/loan-programs/conventional-loans/)
- [FHA Loans in Tampa Bay, FL](https://lendworkz.com/loan-programs/fha-loans/)
- [Accessibility Statement](https://lendworkz.com/accessibility-statement/)
- [Blog](https://lendworkz.com/blog/)
- [Online Forms](https://lendworkz.com/online-forms/)
- [Privacy Policy](https://lendworkz.com/privacy-policy/)
- [Terms Of Services](https://lendworkz.com/terms-of-services/)
- [Review Us](https://lendworkz.com/review-us/)
- [Testimonials](https://lendworkz.com/testimonials/)
- [Mortgage Basics](https://lendworkz.com/mortgage-basics/)
- [Loan Process](https://lendworkz.com/loan-process/)
- [Loan Programs](https://lendworkz.com/loan-programs/)
- [Mortgage Calculators](https://lendworkz.com/mortgage-calculators/)
- [Refinance](https://lendworkz.com/refinance/)
- [Purchase](https://lendworkz.com/purchase/)
- [Team](https://lendworkz.com/team/)
- [Services](https://lendworkz.com/services/)
- [Get An Appointment](https://lendworkz.com/get-an-appointment/)
- [Mortgage FAQ | Tampa Bay Home Loans | Golf Phuphanich](https://lendworkz.com/mortgage-faq/)
- [Contact Golf Phuphanich | Tampa Bay Mortgage Lender](https://lendworkz.com/contact/)
- [About Golf Phuphanich | Tampa Bay Mortgage Lender](https://lendworkz.com/about/)
- [Best Mortgage Lender in Tampa, FL](https://lendworkz.com/)


## Posts

- [What Is a DSCR Loan? A Guide for Tampa Bay Real Estate Investors](https://lendworkz.com/dscr-loan-in-tampa-bay/)
- [FHA Loans in Tampa Bay, FL: A Complete Guide for 2026 Buyers](https://lendworkz.com/fha-loans-in-tampa-bay/)
- [VA loans for Tampa Bay veterans and MacDill AFB families](https://lendworkz.com/tampa-va-loan/)
- [Conventional mortgages in Tampa Bay](https://lendworkz.com/tampa-conventional-loan/)

> Lendworkz LLC, NMLS #2780991. Golf Phuphanich, NMLS #291838. Licensed in Florida. Equal Housing Opportunity. Verify licensing at nmlsconsumeraccess.org. Contact: (813) 299-3320 | golf@lendworkz.com | 18711 N Dale Mabry Hwy, Lutz, FL 33548.