About Sebastian Bolivar
Sebastian Bolivar is a top-producing Florida mortgage lender and VP of Mortgage Lending at Rate, serving homebuyers across Tampa Bay, throughout the state of Florida, and nationwide. Since 2018, he has helped over 700 families secure mortgage financing, consistently earning 5-star reviews for his strategic guidance, speed, and personalized approach. His passion for mortgage lending is deeply personal. After his family lost their home during the 2008 financial crisis due to a mortgage fraud scheme, Sebastian made it his mission to ensure no family ever navigates the mortgage process uninformed. That experience drives his commitment to transparency, education, and protecting clients from costly mistakes. Sebastian specializes in: * Self-Employed & Bank Statement Loans * Doctor and First Responder Loans * VA Loans for Veterans * FHA Loans * Conventional Loans * First-Time Homebuyer Programs * Down Payment Assistance (including Florida Hometown Heroes) * Investment Property Financing * Foreign National & ITIN Loans * Portfolio Lending Solutions Sebastian earned his bachelor's degree in Marketing on a soccer scholarship before entering the mortgage industry in 2018. After helping his own parents purchase a home, his attention to detail and understanding of financing launched his career in mortgage lending. In February 2024, Sebastian joined Rate, attracted by its advanced technology, wide range of loan programs, competitive interest rates, and the Language Access Program — which allows the entire mortgage process to be completed 100% in Spanish. Sebastian is bilingual (English and Spanish) and proudly serves diverse communities across Florida and the United States. He is actively involved with NAHREP Tampa Bay, BNI Business Leaders, and the local real estate community. Whether you are purchasing your first home, refinancing, investing in real estate, or relocating to Florida, Sebastian provides clear strategy, fast execution, and world-class care. That's why he is often regarded one of the best mortgage lenders in Tampa, Florida, and the entire United States. If you are searching for a trusted mortgage lender in Florida or a knowledgeable loan officer nationwide, Sebastian Bolivar is committed to helping you achieve homeownership with confidence. Contact Sebastian directly to explore your mortgage options today. *All negotiations and mortgage loan transaction documents will be conducted and provided in English.* *Rate has no affiliation with any government agency.*
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
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Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
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Located at 615 Channelside Drive, Suite 207 Office 75 Tampa FL, 33602
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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