Kathy Morris

Kathy Morris

Branch Manager, Builder Services   NMLS# 451750

orange star4.9 (116 Reviews)

5 stars

Kathy Morris is a trusted mortgage professional in Tampa, FL 33607

About Kathy

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...

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See what other homeowners have to say about me
  • 5 (5 stars)

    Thank you for the opportunity to step forward with you guys and drive us to get our own beautiful house as a wish came thru and real Kathy.Very happy for that.😊

  • 5 (5 stars)

    I had an excellent experience working with Embrace Home Loans. The team was knowledgeable, responsive, and transparent throughout the entire mortgage process. They clearly explained each step and ensured we closed on time. I highly recommend them to anyone looking for a reliable and professional lending partner.

  • 5 (5 stars)

    They never left me alone in the process , thank you people .

  • 5 (5 stars)

    The team was so professional and kept me well informed during every step of the process. I was able to have my questions answered in a timely manner. The process went by so smoothly and swiftly.

  • 5 (5 stars)

    Everything is smooth, no hussle. Easy to communicate.

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Tampa, FL Mortgage Loan Officers

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Frequently asked questions

Yes. 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.

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