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https://www.embracehomeloans.com/location/florida/tampa/kathy-morris
Branch Manager, Builder Services NMLS# 451750
Kathy Morris is a trusted mortgage professional in Tampa, FL 33607
Katherine “Kathy” Morris is a seasoned professional in the mortgage industry, bringing with her a wealth of experience and a genuine passion for helping others achieve their homeownership dreams. She takes on the role of managing a dedicated team of loan officers while also excelling...
5 (5 stars)
Tristan P. from Ocala, FL
Completed transaction in March 18, 2026
Thank you Kathy for helping me navigate my first home purchase. Well I was stressed the entire time Kathy helped calm my nerves and explained how everything works from start to finish.
5 (5 stars)
Patricia B. from Ocala, FL
Completed transaction in March 04, 2026
Kathy was very pleasant and very patient with us, even when we called her to go over material that she had previously explained 🙄. She responded to us in a timely manner when we called and left her messages. She worked tirelessly to get us the best interest rate for our home and even saved us a few dollars on our closing cost. Way to go Kathy. Than you for everything.
5 (5 stars)
Yenny A. from Ocala, FL
Completed transaction in March 11, 2026
Kathy is literally an angel sent from heaven. She made the entire process super smooth. She personally contacted me with any questions or concerns. I fully trusted that every decision she made was with my best interest in mind. I am recommending Kathy and Embrace Home Loans to everyone I know. Thank you so much 💓
5 (5 stars)
Rohan R. from Ocala, FL
Completed transaction in March 06, 2026
Kathy was excellen. i was frustrated however with the underwriter and that whole process. The underwriting process helped to create a less than fulfilling experienc. Kathy, however, was top notch
5 (5 stars)
Brenda R. from Ocala, FL
Completed transaction in March 03, 2026
Easy and very informative and quick with getting things
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Kathy Morris can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Kathy Morris at our Tampa branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Tampa and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Kathy Morris is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Kathy Morris will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Kathy Morris will walk you through your options and help you find the right fit.
4.91 (122 Reviews)
