(954) 394-1959

St. Petersburg Mortgage Broker - Expert Home Financing in Pinellas County

As an experienced mortgage loan officer serving St. Petersburg and Pinellas County, I specialize in south florida mortgage broker for local homebuyers. Whether you're considering homes in Old Northeast, Downtown, Shore Acres, or other St. Petersburg neighborhoods, our loan programs are tailored to the local market.

Why Choose South Florida in St. Petersburg?

St. Petersburg's real estate market in Pinellas County offers unique opportunities for homebuyers. With a median home price of $$420,000, 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 St. Petersburg neighborhoods like Old Northeast, Downtown, Shore Acres, our team has the local expertise to guide you through the south florida mortgage broker process.

South Florida Requirements in St. Petersburg

Understanding eligibility requirements helps St. Petersburg 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 St. Petersburg and throughout Pinellas County. Your individual situation may qualify for exceptions or special programs.

Required Documents for St. Petersburg Homebuyers

When applying for south florida mortgage broker in St. Petersburg, 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 St. Petersburg and Pinellas County borrowers gather and organize all necessary documentation efficiently.

St. Petersburg South Loan Timeline

Here's what to expect when getting south florida mortgage broker in St. Petersburg:

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

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

Current South Rates in St. Petersburg

Typical Rate Range: Varies by loan program

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

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

St. Petersburg Real Estate Market Insights

Market Overview: - Median Home Price: $$420,000 - County: Pinellas County - Population: 258,308 - Popular Neighborhoods: Old Northeast, Downtown, Shore Acres, Historic Kenwood, Snell Isle Market Characteristics: Arts and culture city with waterfront living, revitalized downtown, and strong appreciation.

Our local expertise in St. Petersburg 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 St. Petersburg, 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 St. Petersburg?

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 St. Petersburg

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

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

As a St. Petersburg 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 St. Petersburg homebuyers. Lender compensation is built into your rate, similar to banks. We're required to disclose all fees at application.

Most St. Petersburg 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 St. Petersburg 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 St. Petersburg Mortgage Options All Florida Cities