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Financing Your Florida Dream Starts Here

Welcome

At Hemisphere Home Loans, we help Florida homebuyers find mortgage solutions with experienced guidance and personalized service every step of the way. 

Whether you're purchasing your first home, buying a vacation home, investing in property, or refinancing, our team is here to guide you every step of the way. 

 

Apply Here

About Us

Home Purchases & Refinances

We will guide you through the entire process:
•	Residential, investment

Home Purchases & Refinances

 

  • Residential real estate: Whether you’re purchasing your first home, moving into a new home, buying a second home, or refinancing, we help you explore mortgage options that fit your needs and financial circumstances.
  • Investment and commercial real estate: We work with you to understand your property plans and explore financing options for rental properties, multifamily buildings, mixed-use properties, and commercial real estate.
  • Market trends: We help you understand how mortgage rates, lending requirements, and changing market conditions may affect your borrowing options, purchasing power, and monthly payments.
  • The buying and selling process: We explain the financing steps involved in your purchase and help you understand how selling your current property may affect your next mortgage. From preparing documentation and reviewing loan options to coordinating with your real estate professionals, we keep you informed through closing.

Loan Products & Programs

  • Fixed & ARMs
  • FHA Loans
  • VA Loans
  • USDA Loans
  • Reverse Mortgages
  • Alternate Income for Self-Employed Borrowers
  • Construction and Renovation Loans
  • Mixed-Use, Multifamily and Commercial Mortgages
  • Condos

Our Company

Hemisphere Home Loans has been guiding homeowners through the mortgage process since 1999. We take pride in providing a professional yet personal experience for every borrower, taking the time to understand your goals, explain your options, and help you find a mortgage solution that fits your needs.

Whether you’re purchasing your first home, exploring refinancing options, or buying a second home, our experienced team provides clear communication and attentive support from your initial conversation through closing.

Serving borrowers in Pennsylvania and Florida, we bring that same commitment to every relationship—helping you move forward with confidence and feel informed every step of the way.

About Us

Fast Approvals

We respond quickly to our borrowers and real estate partners because we understand how important it is to get your offers in early and close your loan on time.

Steve Stalter

Steve has been in the mortgage industry for over 30 years and takes pride in helping each borrower find the best loan for their situation. Steve founded Hemisphere in 1999 to create a boutique experience for each borrower so that they have one point of contact from start to closing.

C. 570-815-3941

Email: sstalter@hemloans.com

NMLS#: 134695


Copyright © 2026 Hemisphere Financial Services, Inc. - All Rights Reserved.

NMLS#112504, PA Department of Banking & Securities #20480, Florida Office of Financial Regulation  #MBR8545

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