Florida Home Loans | Mortgage & Purchase Loans | NSH Mortgage Lender

NSH Mortgage

Quick and Easy Mortgages Loans

Low Credit Score? We can get you approved!

Steve Hays | NSH Mortgage | Mortgage Broker In Florida | Tampa Bay

Steve Hays

Mortgage Specialist - Here to Help!

Steve Hays & the NSH Mortgage team has helped thousands of people get quickly and easily approved for mortgages for over 25 years! He is eager to help you get approved for the lowest rate possible, no matter your situation. He works closely with his clients to ensure a stress-free, comfortable experience that leaves everyone happy! He has extensive experience in helping clients with low credit scores get approved quickly and for a low rate. From helping those with low credit scores, to getting clients pre-approved for jumbo loans, Steve ensures every client is treated with the attention and the professionalism they deserve. Not only is Steve extremely knowledgeable, he is reliable, personable and has his clients best interests at heart. He is ready to help you today. Call Steve to get started!

"Mr. Hays helped in ways that I cannot explain or fully appreciate. He was kind and professional; he is patient..." - Louis Baptiste, Tallahassee, FL

“What took one lender 6 months to achieve, Steve had redone, in order and closed in just a matter of a few weeks!” - John S., Seminole, FL

Melba Rubera

Mortgage Specialist - Hablo Español!

Melba Rubera has partnered with the NSH Mortgage team as they share the same commitment and vision to make a difference in the Central Florida community and to provide the best experience for their clients pursuing a loan to purchase a new home refinance an existing loan. It is Melba’s passion to go above and beyond for each borrower, so with her perseverance, she strives to help her clients achieve the American dream of home ownership. She will free your mind of worry and provide you with the best possible rate and close your loan in a timely fashion while maintaining an open line of communication throughout the entire process. She also has extensive experience in helping clients with challenging circumstances get approved quickly and for a low rate. Melba ensures every client is given the attention, detail, and the professionalism they deserve. Melba has twenty-five plus years of experience and is looking forward to helping you finance your new home. Melba maintains a 5 Star Rating and continues to have past clients that are highly likely to recommend Melba to their friends and family. Melba will also be happy to welcome clients who speak Spanish, Italian and Sign Language ASL.

See my reviews on Google!

25+ Years of

Mortgage Experience

NSH Mortgage has been led by Steve Hays over the past 25 years, as he has helped thousands of home buyers get approved quickly, easily, and at the lowest rates, while proving to be an authority in the mortgage lending industry in Florida!

Quick and Easy

Application Approval

By offering our clients superior loan options, we are able to get you approved for the correct mortgage faster than the big banks! We offer online applications, and secure links for uploading the required documents, allowing our clients to get approved the same day!

Friendly, Local

Customer Service

Not only do we make sure you get approved for the mortgage that fits your needs, but we also thoroughly follow through from start to finish by providing clients top tier service! We have 5-Star Ratings across the board, giving our speculating clients he confirmation that they will be taken care of from beginning to end!

NSH Mortgage Calculator

Get Pre-Approved Before Shopping for A Home

Before you begin the process of purchasing a new home, make sure you won’t have to worry about being approved for a Mortgage Loan. The stress of waiting for approval after finding your dream home can be daunting. Let us relieve some of that stress by getting you pre-approved quickly and easily!

  • Every mortgage lender will promise you the lowest rate, but rates are constantly changing every day.
  • Use our NSH Mortgage Calculator to get an idea of what your mortgage should be and let us help you get approved for the lowest rate.
  • Waiting to get approved can be costly, stressful, and may even result in losing your dream home.
  • Don’t wait until it’s too late to get approved, get pre-approved TODAY to lock down the lowest rate possible!


Florida Home Loans | Mortgage & Purchase Loans | NSH Mortgage Lender

Home Loan

Unsure of the mortgage that will work best for you? Having a tough time understanding all of the options? Learn more about the current home loan options in Florida today.


Have you checked today's interest rates? Are you eligible for a refinance in Florida? Our team will review and execute your refinance at the correct time, which can in turn save you thousands.

FHA Loan

Looking for a low down payment home loan? An FHA Loan in Florida,  allows home buyers a loan option with a down payment as low as 3.5%, government-backed, and easy to refinance.

VA Loan

Are you a veteran, member of the military, or a surviving spouse of a veteran? A VA Loan provides you with a mortgage option that has no down payment, no PMI, and an immense amount of refinance flexibility.

Stated Income Loan

Self-employed? Trouble Documenting your income? A Stated Income Loan in Florida allows the borrower to simply state their income, rather than providing pay stubs, W-2 forms, income tax returns, and other records.

USDA Rural Development Loans

Are you living in the rural areas of Florida and are interested in owning a home? A USDA Loan provides you with a mortgage option that has no downpayment, a low interest rate, and does not require PMI.



The NSH Mortgage Experience

    5 star review  I will recommend Steve to any of my friends that need a mortgage. He was absolutely the greatest to work with and helped me get through my entire loan process while I was out of the country the whole month. Thank you, Steve!!!

    thumb Alpa Patel
    November 9, 2019

    5 star review  Mr. Hays is a World Class Professional, he is extremely helpful and always responsive. He saved me over $15K in upfront cost. I would not only reccomend but insist that you give him a try. I will always use him in the future for personal and investment opportunities.

    thumb Louis Baptiste
    July 26, 2019

    5 star review  steve hays and his team are just plain awsome!! after getting the run around from another lender i reached out to steve with a few concerns about previous lender and he was incredibly professional and clear about what was going on. what took one lender 6 months to acheive steve had everything redone and in order and closed in just a matter of a few weeks! to give these guys anything other than a 5 STAR would be insulting. they should get 10. cant thank you guys enough for everything you have done! keep up doing this excellent work!

    thumb school boss
    November 14, 2018