205 S. Hoover Blvd. Suite 203
Tampa, FL 33609 Mobile 407.963.0451 Tel 407.635.8184 [email protected]

Schedule a call
- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
- Home Equity
- Investment Property
- Purchase
- Refinance
- Renovation Loan

Your Local CrossCountry Mortgage Loan Officer

Joe Manglardi

Sr. Vice President
Tampa, FL Mortgage Loan Officer
NMLS # 1128287

I’ll be with you every step of the way

Hi, I’m Joe, a trusted loan officer in Orlando, FL with America’s #1 Retail Mortgage Lender. When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities so I can offer a home loan that’s right for you. Whether you’re a first-time homebuyer, a long-time homeowner, or purchasing an investment property, I offer a wide range of loan programs, from FHA and VA to conventional and jumbo. My recommendations will respect your unique circumstances.

Communication is key, and sharing information is as important as listening. I’ll make sure you know what’s happening with your mortgage as it progresses, and I’ll be available to answer your questions. I’ll be with you every step of the way—from application to closing and beyond.

As a Scotsman Guide Top Originator, I’ve secured $40+ million in financing and closed over 100 loans in a year. Whether you’re buying, refinancing, or renovating, you can count on me to provide the best service and get it done.

See What I Qualify For

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retail lender in Florida

1 in 35

home purchases across the US in 2025

120+

mortgage loans available

131,000

home purchases funded in 2025

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come.

By proceeding, I consent by electronic signature to receive calls and SMS text messages from CrossCountry Mortgage, LLC at the phone number I have provided, for any purpose, including loan inquiries, marketing, sales, and informational communications. I understand and agree that these calls and text messages may be made by any means or technology, including an automatic telephone dialing system or other automated system for the selection and dialing of telephone numbers, a prerecorded or artificial voice, or an AI-generated voice. I also understand and agree that my consent to calls and texts from CrossCountry Mortgage, LLC is not required to purchase products from or use the services of CrossCountry Mortgage, LLC, and that I may contact CrossCountry Mortgage, LLC at (877) 351-3400 about its products and services at any time. I understand that I may cancel this consent at any time. Reply STOP to discontinue SMS text messages. For help, reply HELP, call us at 844-940-2272 or email [email protected]. Message and data rates may apply. Message frequency varies. Terms and Conditions and Privacy Policy apply.

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

A contractor meets with the homeowner and discusses improvements to create their dream home.

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options:

Home loans with as little as 3% down
Temporary buydowns to lower your mortgage rate at the start of your loan
Down payment assistance from national and state programs
Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership. Let’s discuss your options today.

Contact me

Make Any Home Your Dream Home

Tired of leaving open houses without finding “the one?” With a renovation loan, you can bring your ideas of the perfect home to life!

Here’s how:

Finance the costs of buying and upgrading a home with one loan, so you can purchase an imperfect but good (and probably less expensive) house and add your personal touch.
Refinance the cost of home improvements to get the benefits of moving without the packing and unpacking, figuring out new utilities…you know the hassle.

Learn more