Carmen Inclan

Mortgage Banker

Vice President

NMLS #: 437127

2514 West Kennedy Boulevard, Tampa, FL 33609

Carmen Inclan | SouthState Mortgage

About Carmen Inclan

If you are purchasing your first home, building your dream home, refinancing or anything in between, SouthState is here for you. We have a variety of mortgage loan programs and will work with you to find the best solution to meet your needs. As your SouthState Mortgage Banker, I will be available throughout the process to offer advice and answer any questions that arise. If you are ready to get started, click the Apply Now button to begin your application. If you have any questions at all, please give me a call or send me an email. I look forward to the opportunity to assist with this exciting milestone.
Couple buying a home with an FHA Loan

FHA Loans

A Great Option for First Time Home Buyers

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family finding homes with affordable mortgage options

Buyer's Advantage

Helping You Achieve Homeownership

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Individual and family homebuyers assistance funding

Opportunity Advantage

Assistance for Qualified Home Buyers

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First-Time Buyer Resources

  • Resources for first-time homebuyers
  • Tips for improving your credit score
  • Get information on pre-qualifying
  • Learn about the loan process
  • Find a checklist of information you'll need to gather
  • Learn about Down Payment Assistance programs
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Recent Reviews

5 stars
Google   •   SouthState Bank
06/14/2026
Carmen is very professional, patient and responsive. She is very creative at getting the right mortgage to fit your individual financial needs. My mortgage was long distance and everything at closing went very smoothly and uncomplicated. I would definitely recommend Carmen.
5 stars
Google   •   SouthState Bank
05/30/2026
I had a great experience working with Carmen Inclan. She helped me secure the lowest rate I could find and made the entire process simple and stress-free. Carmen was professional, friendly, and always available to answer my questions. She guided me through every step and was able to get everything approved and completed in just three weeks. I have absolutely no complaints and couldn’t be happier with the service I received. I highly recommend Carmen to anyone looking for someone knowledgeable, responsive, and dedicated to helping their clients.
5 stars
Google   •   SouthState Bank
03/24/2026
Carmen Inclan was phenomenal in all aspects.

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