Keeping Lending Simple

Mary Ann Krafcik, NMLS #278280 

Your Tampa Bay Based Loan Fox Inc. Mortgage Loan Originator

Contact an Officer!

Call: (352) 684-8425
Office: Spring Hill, FL NMLS# 1948074

Purchase Home

Searching for a new home? Let us help you prepare for your upcoming purchase.


Looking to lower your payment, rate, or term? Don’t worry. We have you covered.

Debt consolidation

Leverage the equity you’ve earned to pay off consumer debt, or complete home improvements.

Meet Mary Ann

I’m Mary Ann Krafcik with Loan Fox Inc., and I’m here to provide you with the best possible mortgage product. With 22 years of lending experience, I am ready to serve your needs.

A mortgage is likely the single largest financial obligation you will have in your lifetime. It makes sense to have someone working for you with the expertise and knowledge it takes to help navigate you through the mortgage loan process. It is my goal, along with my team of dedicated individuals, to make the mortgage process as seamless as possible for you.

One of my core values, and what sets my office apart from “big-box” mortgage companies and large banks, is the personalized service I get to provide to my clients. This is important to me as no two situations are the same. Everyone and every family’s needs and goals are different. I will review your immediate needs as well as your long term goals and select the best mortgage product to meet your needs. Loan Fox Inc. has partnered with multiple national mortgage investors which allows me to offer the best products and pricing in the industry.

Contact me today and find out how I can help you with a refinance or new home purchase.

Loan Programs

A conventional or conforming mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.

The U.S. Department of Veterans Affairs backs home loan programs to help veterans, active-duty military, and related groups.

FHA loans are a unique home financing option for clients looking for a low down payment and flexible terms.

The United States Department of Agriculture (USDA) created this loan program to strengthen the communities of rural areas.

A reverse mortgage is a type of loan where seniors ages 62 and older can convert their home equity into cash income with no monthly mortgage payments.

A Jumbo loan is a type of financing that exceeds the limits set by the Federal Housing Finance Agency, which is $510,400 in most counties. 

Purchasing, building, and refinancing manufactured or modular homes. 

We Work With Your Budget

Loan Fox Inc. offers a custom, online mortgage calculator that you can use to calculate what you can afford for your next Real Estate purchase.

Get Your Mortgage Analysis

Use our online form to help us provide you with your mortgage analysis. Our team will get back to you about your results and how we can best move forward for your real estate financing.

Direct Phone Number – (352) 684-8425 – Office Email