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The Gaffney Team

Your Valrico Home Loan, Made Simple.

Whether youre buying your first home, moving up, or lowering your payment, Jim Gaffney and his team make the mortgage process feel manageable. Youll get straight answers, fast communication, and a team that stays with you from pre-approval to the day you get your keys. Lets find the right loan for where youre headed next.

The Gaffney Team

Address

2350 E State Road 60 Valrico, FL 33594

Phone

(631) 252-8500

Email

jgaffney@lower.com

About The Gaffney Team

Jim Gaffney leads a Valrico-based mortgage team that treats every loan like a neighbors, not a number. Rooted in the Tampa Bay area, the team knows the local neighborhoods, lenders, and real estate professionals who help deals close smoothly. With a range of loan programs and a hands-on approach, they take the guesswork out of financing so you can focus on the move. Clients can expect clear timelines, honest guidance, and a team that picks up the phone. For Jim and his team, a successful closing is just the start of the relationship.

The Gaffney Team

How can we help?

Buy a home

Get financing to buy the house you've always wanted.

Apply Now
Beautiful home interior of a recently refinanced home.

Refinance

Change your rate or your term. Let's figure out what's best for you.

Apply Now

Access Equity

Take cash out or get a HELOC to pay for whatever you need.

Apply Now
Find Your Ideal Payment

Mortgage Calculator

Your Estimated Monthly Payment
(Principal & Interest Only)

$1,814.04

Purchase Price
$
350,000
Down Payment
18
%
Interest Rate
6.5
%
Select Your Loan Term:
*Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Rates are principal and interest only and do not include taxes, insurance or homeowners dues. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
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