Shawn K Miller

VanDyk Mortgage – Tampa Mortgage Solutions with Shawn K. Miller

Looking for a mortgage lender in Tampa, Florida who can deliver both traditional and alternative loan options? VanDyk Mortgage is a direct FHA, VA, Conventional, and USDA lender. We are also approved for many national, state, and local down payment assistance programs, giving first-time homebuyers and repeat buyers more ways to purchase a home.

Shawn K. Miller, Branch Manager and Non-QM Portfolio Loan Specialist, helps borrowers who don’t fit traditional mortgage guidelines. Whether you’re self-employed, an investor, or rebuilding credit, Shawn offers flexible mortgage programs that may not be available through standard banks. Using VanDyk’s in-house portfolio lending platform, he creates custom loan solutions tailored to real-world situations, often keeping loans on VanDyk’s balance sheet for maximum flexibility.

Shawn has been ranked in the Top 1% of mortgage originators nationwide since 2011, and in 2018 became the first member of his branch to earn VanDyk’s President’s Club honor. He and his team are committed to fast, professional service and guiding every client toward successful homeownership.

Specialized Mortgage Programs in Tampa, FL:

• Bank Statement Loans Tampa – Qualify using 12–24 months of business or personal bank deposits instead of tax returns.
• 1099-Only Mortgage Loans – For contractors and gig workers who receive 1099 forms.
• Asset Depletion Loans – Convert savings, investments, or retirement funds into qualifying income.
• DSCR Investor Loans (Debt Service Coverage Ratio) – Qualify based on rental property cash flow, not personal income.
• Interest-Only Mortgage Loans – Lower monthly payments during the interest-only period.
• Recent Credit Event Loans – Options for borrowers with a bankruptcy, foreclosure, short sale, or mortgage late payments.
• ITIN Mortgage Loans – For borrowers who use an Individual Taxpayer Identification Number.
• Foreign National Loans – Purchase U.S. property without U.S. income or credit history.
• No-Ratio Loans – No income or employment documentation required—approval based on credit, assets, and down payment.
• WVOE-Only Loans (Written Verification of Employment) – Qualify with employer verification only, no pay stubs or tax returns.
• Blanket Loans & Bridge Loans – Finance multiple properties, buy before you sell, or simplify portfolio management.

Why Work with Shawn Miller at VanDyk Mortgage?

• Local Tampa mortgage expertise with nationwide lending power.
• Access to Non-QM loans, portfolio lending, and niche products banks may not offer.
• Personalized credit rebuild strategies to help borrowers prepare for homeownership.
• Over a decade in the Top 1% of loan originators nationwide.
• Dedicated to fast closings, professional communication, and client-focused service.

Ready to Explore Your Loan Options?
Whether you’re a first-time homebuyer in Tampa, a real estate investor, or need a Non-QM mortgage solution, Shawn and the VanDyk Mortgage team are here to help. Contact us today to start your path toward homeownership.