Areas served: St. Petersburg, FL and surrounding Pinellas County
St. Petersburg's mortgage broker landscape serves a diverse housing market spanning downtown condos, historic neighborhoods like Old Northeast, and waterfront properties along Tampa Bay. Local brokers navigate Florida-specific programs including flood zone financing, windstorm insurance requirements, and homestead exemption considerations that affect mortgage qualification. The market includes specialists in conventional loans, FHA/VA financing, jumbo mortgages for luxury waterfront homes, and investment property financing for the city's growing rental market.
Jennifer Martinez is a VP of Mortgage Lending and top producer at CrossCountry Mortgage with 25 years of mortgage lending experience. She specializes in conventional, FHA, VA, and jumbo loans for purchases, refinances, and foreclosure properties across the Tampa Bay area. Jennifer prioritizes personalized service and communication, guiding clients through every step of the mortgage process to ensure they get the right financing solution for their specific situation.
SunPoint Home Loans is an education-based mortgage company serving the Tampa Bay area with 19 years of experience. They specialize in personalized financing solutions for home purchases and refinances, representing a wide range of A-rated lenders plus portfolio lenders with expanded underwriting guidelines to help unique borrower scenarios. Their team treats each customer individually, providing expert guidance, excellent communication, and an average 15-day close time.
DDA Mortgage is an independent mortgage broker in Largo, Florida, specializing in residential loans, commercial loans, and refinancing. Led by founder Didier Malagies with over 38 years of mortgage industry experience and over $1 billion in closed loans, DDA Mortgage offers personalized loan programs designed to maximize cash flow and minimize closing costs and interest charges. They serve Pinellas and Pasco County residents with expertise across multiple neighborhoods and loan programs.
My Easy Mortgage is an independent mortgage broker serving the Tampa Bay area and beyond with offices in Wesley Chapel, Land O Lakes, and Plano, Texas. They specialize in home purchases, refinances, and home equity loans, offering custom loan solutions and access to multiple wholesale lenders to secure competitive rates. Led by experienced loan originators including partners Sam Wax and Gilbert Bennett, the firm emphasizes fast closings (averaging under 30 days), transparency, and client education to make the mortgage process straightforward and stress-free.
Bliss Mortgage LLC is a Tampa-based mortgage firm specializing in home purchase and refinance loans throughout Florida. Led by owner Gerald Bliss and his team of experienced loan officers, they offer competitive rates and personalized service across multiple loan programs including conventional, FHA, VA, jumbo, and cash-out refinancing options. The team is known for making the lending process transparent and straightforward, with a focus on fast closings and one-on-one guidance for first-time homebuyers, veterans, and homeowners seeking to refinance.
Simons & Leoni Home Loans is a Tampa-based mortgage broker offering home purchase loans, refinancing, cash-out refinances, and rate comparisons. Led by President Douglas Leoni and Managing Member Scott Simons, the company specializes in personalized service with a team of experienced loan originators and processors who handle everything from pre-approval to fast funding. They provide free pre-approval letters, refinance analysis tools, and property evaluations to help borrowers understand their options and secure competitive rates.
BlueGrey Mortgage is a full-service mortgage lender offering conventional, FHA, VA, and jumbo loans to homebuyers across Florida, Georgia, Texas, Colorado, and Kansas. Based in Tampa, the company specializes in making homeownership accessible through competitive interest rates, low closing costs, and personalized guidance at every step of the process. Known for exceptional customer service and attention to detail, BlueGrey Mortgage serves first-time buyers, refinancing clients, and investment property purchasers with a commitment to honesty, integrity, and expert support throughout the closing process.
Howard Team Home Loans, powered by Lower LLC, is a Tampa-based mortgage brokerage led by Jonathan F. Howard (NMLS #1568511) and his experienced team including Angela, Todd, and Grant. They specialize in home purchase loans, refinancing, cash-out refinances, and rate comparisons, offering fast digital quotes and streamlined online applications with typical funding in under 30 days. The team provides free pre-approval letters, refinance analysis, property evaluations, and personalized rate quotes to help borrowers find the best mortgage terms for their financial goals.
Homeowners Financial Group is a mortgage lender with a St. Petersburg branch staffed by licensed mortgage professionals including Branch Manager Tammy Boldt, Brad Thompson, Gustavo E. Saballos, and John Lee. They provide mortgage financing solutions for homebuyers and refinancing clients throughout the Tampa Bay area. As an equal housing lender, they work to help clients navigate the mortgage process with experienced professionals.
Savvy Mortgage Lending, led by mortgage broker Tracie Mayo, specializes in home purchase mortgages, refinancing, and reverse mortgages for borrowers in the Tampa Bay area. Tracie focuses on competitive rates, transparent processes, and responsive communication to simplify what is often an overwhelming experience. She works with first-time buyers, move-up buyers, refinancing homeowners, investment property buyers, and seniors exploring reverse mortgage options.
Yoanny Perez Castillo is a mortgage loan originator based in St. Petersburg serving the Tampa Bay area with personalized mortgage financing solutions. With over 128 five-star reviews, Yoanny specializes in helping borrowers navigate the mortgage process and secure competitive loan terms tailored to their financial situation. Whether you're a first-time homebuyer or an experienced investor, Yoanny provides expert guidance and access to multiple lending options to find the right mortgage for your needs.
Creative 1st Mortgage is a personalized mortgage lender serving Florida, Texas, Minnesota, Alabama, Kentucky, and Tennessee. Led by experienced loan officers who specialize in complex lending situations, they offer conventional, FHA, USDA, and VA home loans with a focus on helping borrowers who may not qualify through traditional channels. The team provides free purchase loan analysis, fast pre-approval, and refinancing options designed to match each client's unique financial goals and circumstances.
Custom Rate is Florida's premier mortgage brokerage, founded by loan officers and built for borrowers. They specialize in shopping a vast network of lenders to find competitive rates for purchase mortgages, refinancing, home equity lines of credit, construction loans, and commercial financing. With a focus on transparency and personalized service, they operate on minimal profit margins to offer clients the lowest possible rates, plus features like free pre-approval with no credit impact and bilingual support.
Team Stapleton Home Loans LLC is a mortgage brokerage serving the Tampa Bay area with a focus on personalized, relationship-based lending. The team specializes in helping borrowers navigate the mortgage process with transparent guidance and access to multiple loan programs, including conventional, FHA, VA, and jumbo loans. They pride themselves on fast pre-approval timelines and expert support throughout the entire loan process.
Doug Wagner is a Mortgage Loan Officer and Branch Manager at CrossCountry Mortgage in St. Petersburg, FL, with over a decade of experience helping more than a thousand families achieve homeownership. He specializes in purchase mortgages and refinancing, offering personalized financing and savings plans tailored to each client's situation. Recognized as a Top Originator by Scotsman Guide and built on referrals, Doug is known for his approachable style, clear guidance, and commitment to simplifying the lending process from application through closing.
Home Loan Advisors is a mortgage brokerage serving the Tampa Bay area and beyond, specializing in helping borrowers find the right loan program for their financial situation. They work with multiple lenders to provide competitive rates and personalized service, handling everything from pre-approval to closing. Their team focuses on making the mortgage process transparent and accessible for first-time buyers, refinancing clients, and homebuyers at all stages.
First Team Lending is a mortgage lender serving the Tampa Bay area and surrounding Florida communities. They provide a range of loan products including conventional, FHA, VA, and jumbo mortgages, with a focus on personalized service and competitive rates. The team specializes in helping first-time homebuyers, refinancing clients, and those seeking fast pre-approval processes.
14 Days To Close is a mortgage lender specializing in fast, streamlined home financing with a commitment to closing loans in 14 days or less. Based in Tampa, they offer conventional, FHA, VA, and jumbo loan programs with transparent pricing and dedicated loan officers who guide borrowers through the entire process. Their focus on speed and customer service has made them a trusted choice for homebuyers and refinancers throughout Florida.
Gateway Capital Mortgage is a local mortgage lender serving the Tampa Bay area and beyond from their St. Petersburg office on Beach Drive. They specialize in helping buyers and refinancers secure financing through personalized loan solutions, offering access to multiple loan programs including conventional, FHA, VA, and jumbo mortgages. Their team works directly with clients to find the right loan structure for their financial goals and timeline.
Embrace Home Loans is a mortgage lender serving the Tampa area and throughout Florida with a focus on personalized service and fast loan processing. Their team specializes in conventional, FHA, VA, and jumbo loan programs, helping borrowers navigate the mortgage process with transparency and expertise. They pride themselves on competitive rates and a streamlined application process designed to get borrowers to closing quickly.
Luminate Bank's Tampa branch offers comprehensive mortgage and financial services to homebuyers and refinancers throughout the Tampa Bay area. Located on North Franklin Street, they provide personalized lending solutions with access to multiple loan programs including conventional, FHA, VA, and jumbo mortgages. Their team focuses on delivering fast pre-approval processes and competitive rates tailored to each client's financial situation.
Epic Mortgage is a St. Petersburg-based mortgage lender offering personalized loan solutions for homebuyers and refinancing clients. They provide access to multiple loan programs including conventional, FHA, VA, and jumbo loans, with a focus on fast pre-approval processes and competitive rates. Their team works directly with clients to match the right financing solution for their specific situation.
Gustavo E. Saballos is a licensed mortgage professional (NMLS# 433988) with Homeowners Financial Group USA, LLC, serving the St. Petersburg area since 2001. He specializes in helping families secure mortgages for home purchases and refinancing with competitive rates, transparent communication, and personalized service. Known for responsiveness, problem-solving, and availability throughout the entire loan process, Gustavo helps clients understand their options and navigate the path to homeownership.
Nxt Level Lending LLC, powered by Top Tier Home Loans, is a mortgage broker specializing in comprehensive loan solutions for homebuyers and refinancing. They serve first-time homebuyers, investors, and those with unique financial situations, offering FHA, VA, USDA, Jumbo, Conventional, Reverse, Non-QM, and Bridge Loans, plus specialized programs like Down Payment Assistance, 1099 Loans, and Bank Statement Loans. Their team provides personalized guidance through the entire mortgage process with local loan officers and a digital app (Loanzify) to streamline communication with lenders and real estate agents.
Brad Thompson is a mortgage loan officer at Homeowners Financial Group USA, LLC in St. Petersburg, helping homebuyers and refinancers secure financing tailored to their needs. With access to multiple lending programs including conventional, FHA, VA, and jumbo loans, Brad specializes in guiding first-time buyers through the mortgage process and assisting existing homeowners with refinancing options. His office provides personalized service to make home financing straightforward and accessible.
Tammy Boldt is a licensed mortgage professional (NMLS# 659559) and Branch Manager at Homeowners Financial Group USA, LLC, serving the St. Petersburg area since 2002. She specializes in purchase mortgages and refinancing with a personalized approach, offering competitive rates, fast pre-qualification, and transparent guidance throughout the loan process. Tammy is recognized as an award-winning mortgage professional who focuses on understanding each client's unique needs to help them achieve homeownership.
Home Access Financial, LLC is a mortgage lending company based in Tampa specializing in home loans for borrowers of all credit profiles and financial situations. They offer a range of loan programs including VA loans, FHA loans, conventional financing, and jumbo mortgages, serving first-time homebuyers through experienced investors. Their team provides personalized mortgage solutions with fast pre-approval processes and access to multiple lending options to find the best rates and terms for each client.
Pioneer Mortgage Funding is a mortgage lender serving the Tampa Bay area and beyond, offering a range of loan products including conventional, FHA, VA, and jumbo mortgages. The team provides personalized guidance through the pre-approval and closing process, helping borrowers find financing solutions tailored to their specific needs. With a focus on transparent communication and competitive rates, they serve both first-time homebuyers and experienced investors.
247 Home Loans.net is a mortgage lender based in Riverview, FL offering comprehensive home financing solutions including conventional loans, FHA loans, VA loans, and refinancing options. The team specializes in helping first-time homebuyers and experienced investors find the right loan products to fit their financial situation, with a focus on fast pre-approval processing and personalized service.
American Nationwide Mortgage Company is a full-service mortgage lender based in Tampa offering conventional, FHA, VA, and jumbo loan programs to homebuyers and refinancers throughout Florida. With over 106 reviews and a 4.7 rating, they provide comprehensive lending solutions including fast pre-approval processes and access to multiple lending options. Their experienced team specializes in working with first-time buyers, seasoned investors, and borrowers seeking to refinance existing mortgages.
Jen Martinez at CrossCountry Mortgage is the top-ranked mortgage broker in St. Petersburg with a Lantern Score of 85.67/100 and 578 five-star reviews. With 25 years of mortgage lending experience, she specializes in conventional, FHA, VA, and jumbo loans and is highly recommended for first-time homebuyers, VA loan borrowers, and refinancing customers.
Several top-ranked brokers specialize in VA loans, including Jen Martinez at CrossCountry Mortgage (Lantern Score: 85.67), SunPoint Home Loans (85.64), and Bliss Mortgage LLC (85.47), all with perfect 5-star ratings. These lenders have extensive experience helping military veterans and active service members secure VA financing.
All 30 mortgage brokers in St. Petersburg serve first-time homebuyers, with top options including Jen Martinez at CrossCountry Mortgage (Lantern Score: 85.67/100), SunPoint Home Loans (85.64), and DDA Mortgage (85.62). These brokers offer conventional, FHA, and specialized loan programs tailored to new homeowners.
14 Days To Close is a Tampa-based lender (Lantern Score: 84.07/100) specializing in fast, streamlined financing with a commitment to closing loans in 14 days or less, and they serve the St. Petersburg area. They offer conventional, FHA, VA, and jumbo loans for borrowers seeking quick closings.
SunPoint Home Loans (Lantern Score: 85.64/100) specializes in borrowers with non-traditional credit histories, while Creative 1st Mortgage (84.90) and Nxt Level Lending (82.15) are known for handling complex lending situations and self-employed borrowers. These brokers work with multiple lenders to find solutions for unique financial profiles.
Yes, several top-ranked brokers offer jumbo loans, including Jen Martinez at CrossCountry Mortgage (Lantern Score: 85.67/100), Bliss Mortgage LLC (85.47) for luxury home buyers, and Team Stapleton Home Loans (84.64). These lenders have experience with high-value property financing across the Tampa Bay area.