(954) 394-1959

Clearwater Mortgage Broker - Expert Home Financing in Pinellas County

Looking for south florida mortgage broker in Clearwater? Clearwater Beach drives the local economy and real estate market. Investment properties and vacation rentals are popular alongside primary residences near the award-winning beaches. Our south florida mortgage broker programs are designed specifically for Clearwater homebuyers in Pinellas County, offering competitive rates and expert local guidance.

Why Choose South Florida in Clearwater?

Clearwater's real estate market in Pinellas County offers unique opportunities for homebuyers. With a median home price of $$395,000, our south florida mortgage broker programs help make homeownership accessible.

  1. Local expertise in {city} and {county} real estate market - expertise in {city} and {county} real estate market
  2. Access to 150+ lenders for best rates and terms - to 150+ lenders for best rates and terms
  3. Personalized service from experienced loan officer - service from experienced loan officer
  4. 23+ years helping Florida homebuyers - years helping Florida homebuyers
  5. Specializing in complex loans (self-employed, jumbo, investment) - in complex loans (self-employed, jumbo, investment)
  6. Same-day pre-approvals available - pre-approvals available
Whether you're looking in popular Clearwater neighborhoods like Clearwater Beach, Island Estates, Countryside, our team has the local expertise to guide you through the south florida mortgage broker process.

South Florida Requirements in Clearwater

Understanding eligibility requirements helps Clearwater homebuyers prepare for success. Here's what you need to qualify in Pinellas County:

| Requirement | Details | |-------------|---------| | Varies | Eligibility varies by loan program selected | | Service Area | {city}, {county}, and surrounding areas | | All Programs | FHA, VA, Conventional, Jumbo, Investment, Self-Employed | | Credit Range | 580-800+ depending on loan type |

These requirements apply to Clearwater and throughout Pinellas County. Your individual situation may qualify for exceptions or special programs.

Required Documents for Clearwater Homebuyers

When applying for south florida mortgage broker in Clearwater, you'll need to provide:

  1. Documents vary by loan program
  2. Standard: Tax returns, pay stubs, bank statements
  3. FHA: Lower down payment, flexible credit
  4. VA: COE required for veterans
  5. Jumbo: Extensive asset documentation
  6. Self-Employed: Bank statements or business docs
We help Clearwater and Pinellas County borrowers gather and organize all necessary documentation efficiently.

Clearwater South Loan Timeline

Here's what to expect when getting south florida mortgage broker in Clearwater:

| Stage | Timeline | |-------|----------| | Consultation | Same day | | Pre Approval | 24-48 hours | | Closing | 30-60 days (varies by loan type) |

Timeline may vary for Clearwater properties based on market conditions in Pinellas County. We work efficiently to meet your deadlines.

Current South Rates in Clearwater

Typical Rate Range: Varies by loan program

Rates depend on loan type, credit score, down payment, and market conditions. Contact for personalized rate quote.

Clearwater homebuyers should contact us for current rates specific to their situation in Pinellas County. Rates change daily based on market conditions.

Clearwater Real Estate Market Insights

Market Overview: - Median Home Price: $$395,000 - County: Pinellas County - Population: 117,292 - Popular Neighborhoods: Clearwater Beach, Island Estates, Countryside, Belleair, Harbor Oaks Market Characteristics: Beach tourism, waterfront condos, and family-friendly communities. Strong vacation rental market.

Our local expertise in Clearwater and Pinellas County helps you navigate the market and secure the best south florida mortgage broker terms for your situation.

NMLS & Licensing Information

Louis Doherty NMLS #60093 | Edge Home Finance Corporation NMLS #891464

Licensed mortgage loan officer serving Clearwater, Pinellas County, and all of Florida. Equal Housing Opportunity Lender.

All loans subject to underwriting approval. Rates, fees, and programs subject to change. This is not a commitment to lend.

Ready to Get Started with South Florida in Clearwater?

Contact Louis Doherty today for expert mortgage guidance in Pinellas County.

Call (954) 394-1959 Apply Online Calculate Payment

Frequently Asked Questions About South Florida mortgage broker in Clearwater

A local Clearwater mortgage broker understands the Pinellas County real estate market, has relationships with local appraisers and title companies, and provides personalized service. We've served Clearwater for 23+ years.

We offer all major loan programs in Clearwater: FHA loans, VA loans, conventional loans, jumbo loans, investment property financing, self-employed programs, and refinancing options throughout Pinellas County.

As a Clearwater mortgage broker, we have access to 150+ lenders vs. one bank's products. This means better rates, more programs, and personalized service for Pinellas County homebuyers.

We offer free consultations and pre-approvals for Clearwater homebuyers. Lender compensation is built into your rate, similar to banks. We're required to disclose all fees at application.

Most Clearwater homebuyers receive pre-approval within 24-48 hours. We offer same-day service when needed for competitive Pinellas County real estate markets.

We serve all of Pinellas County including Clearwater and surrounding communities. Licensed in Florida and 6 other states, with expertise in South Florida real estate markets.

Related Resources

About New Home Purchases Refinancing Mortgage Calculator More Clearwater Mortgage Options All Florida Cities