Best Mortgage Brokers in St. Petersburg, Florida

    Areas served: St. Petersburg, FL and surrounding Pinellas County

    30 local businessesRanked by Lantern Score — a measure of reputation and business quality. We don't accept payment for placement.
    Updated April 21, 2026

    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.

    Show businesses best for:
    86
    Lantern
    Score
    Tampa, FL · 14 mi from St Petersburg
    Serves Tampa Bay area including Valrico, Brandon, Clearwater, Zephyrhills
    ★★★★★5.0(578 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, move-up buyers, VA loan borrowers, borrowers seeking refinancing, buyers purchasing foreclosure properties
    What sets them apart
    • Jennifer brings extensive mortgage expertise gained across multiple states, enabling her to match clients with the right loan product for their unique financial situation.
    • Offers conventional, FHA, VA, and jumbo loans, plus refinancing and foreclosure property financing—covering a broad range of homebuying and refinancing scenarios.
    • Recognized as a top producer at America's #1 Retail Mortgage Lender, demonstrating consistent excellence in client service and closing outcomes.
    Mortgage LoansHome FinancingRefinancingVA LoansFHA Loans
    Phone(813) 480-4747
    Jen Martinez at CrossCountry Mortgage
    Updated 4/21/26Learn More →
    86
    Lantern
    Score
    Land O' Lakes, FL · 31 mi from St Petersburg
    Serves Tampa Bay area, including Land O' Lakes and surrounding communities
    ★★★★★5.0(494 Google reviews)

    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.

    Best for: VeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, military veterans and active service members, homeowners looking to refinance, real estate investors, borrowers with non-traditional credit histories
    What sets them apart
    • SunPoint provides 27 educational articles and a learning center to help borrowers understand the mortgage process, from first-time buyer checklists to closing guidance.
    • They represent A-rated conventional lenders and private portfolio lenders with expanded guidelines, enabling solutions for non-traditional credit profiles and unique scenarios.
    • Their team treats each customer individually rather than using automated loan formulas, with an average 15-day close time and direct accessibility to local mortgage professionals.
    Mortgage LenderFirst-Time HomebuyersVA LoansRefinancingEducation-Based
    Phone(813) 920-7916
    SunPoint Home Loans
    Updated 4/21/26Learn More →
    86
    Lantern
    Score
    Largo, FL · 14 mi from St Petersburg
    Serves Pinellas County and Pasco County, Florida, including Largo, Clearwater, St. Petersburg, Tampa Bay area, and surrounding communities
    ★★★★★5.0(470 Google reviews)

    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.

    Best for: RefinancingCompetitive Rates
    Ideal clients: Homebuyers seeking personalized service, homeowners refinancing for better rates or cash-out equity, small business owners needing commercial loans, first-time buyers in Tampa Bay area
    What sets them apart
    • Founder Didier Malagies brings four decades of mortgage expertise and has closed over $1 billion in loans, providing clients with seasoned guidance on loan programs and rate optimization.
    • As an independent broker, DDA Mortgage can access multiple lenders and loan programs to find the best terms and rates for each client's unique situation, whether residential or commercial.
    • DDA Mortgage employs dedicated mortgage specialists for key neighborhoods across Pinellas and Pasco Counties, providing localized market knowledge and personalized service.
    Mortgage BrokerResidential LoansRefinancingCommercial LoansIndependent Lender
    Phone(727) 784-5555
    DDA Mortgage
    Updated 4/21/26Learn More →
    86
    Lantern
    Score
    Wesley Chapel, FL · 34 mi from St Petersburg
    Serves Tampa Bay area including Wesley Chapel, Land O Lakes, and surrounding Florida cities, plus Plano, Texas
    ★★★★★5.0(441 Google reviews)

    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.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, homeowners refinancing, buyers relocating to Tampa Bay, borrowers seeking competitive rates
    What sets them apart
    • My Easy Mortgage averages closing in under 30 days, reducing waiting periods and last-minute surprises for homebuyers and refinancers.
    • They work with multiple wholesale lenders to compare rates and find the best loan fit, rather than being limited to a single lender's products.
    • Their niche loan offerings allow them to design loans tailored to individual lifestyles and say yes when traditional lenders decline.
    Mortgage BrokerHome PurchaseRefinanceHome EquityFast Closing
    Phone(813) 513-9846
    My Easy Mortgage
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    Tampa, FL · 30 mi from St Petersburg
    Serves Tampa, Florida and surrounding areas
    ★★★★★5.0(302 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, veterans and active military, homeowners refinancing to lower rates or cash out equity, luxury home buyers seeking jumbo loans
    What sets them apart
    • Offers conventional, FHA, VA, jumbo, and cash-out refinancing options tailored to individual borrower needs and circumstances.
    • Open Monday-Friday 8AM-8PM and weekends 10AM-3PM with a track record of closing loans quickly and minimizing buyer stress.
    • Team specializes in understanding market trends to help homeowners determine the right time to purchase or refinance for maximum savings.
    Mortgage LenderHome PurchaseRefinancingVA LoansFHA Loans
    Phone(813) 966-1888
    Bliss Mortgage LLC
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    Tampa, FL · 15 mi from St Petersburg
    Serves Tampa, Florida and surrounding areas
    ★★★★★5.0(250 Google reviews)

    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.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, homeowners seeking to refinance, buyers looking for competitive rates, borrowers wanting personalized service
    What sets them apart
    • As a mortgage broker, Simons & Leoni shop rates across multiple lenders to find the best options for each client, rather than limiting borrowers to a single institution's offerings.
    • The company emphasizes quick turnaround times, with clients typically closing in less than 30 days, and offers fast funding options to seize opportunities quickly.
    • Clients can select and communicate directly with specific NMLS-licensed loan originators on staff, ensuring personalized guidance throughout the mortgage process.
    Mortgage BrokerHome PurchaseRefinancingTampa LoansFast Funding
    Phone(813) 258-6767
    Simons & Leoni Home Loans
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    Tampa, FL · 14 mi from St Petersburg
    Serves Tampa and surrounding Florida areas, plus Georgia, Texas, Colorado, and Kansas
    ★★★★★5.0(231 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time home buyers, refinancing clients, VA loan applicants, investment property buyers
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loans to serve diverse borrower needs and financial situations.
    • Known for securing highly competitive interest rates and low closing costs, with 30-day closing timelines reported by clients.
    • Provides direct access to loan officers who guide clients through the entire process with clear communication and responsive support.
    Mortgage LenderFHA LoansVA LoansFirst-Time BuyersCompetitive Rates
    Phone(813) 822-4808
    BlueGrey Mortgage - Tampa
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    Tampa, FL · 16 mi from St Petersburg
    Serves Tampa, Florida and surrounding areas
    ★★★★★5.0(232 Google reviews)

    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.

    Best for: Refinancing
    Ideal clients: First-time home buyers, homeowners looking to refinance, borrowers seeking competitive rates, those wanting fast loan approval
    What sets them apart
    • Streamlined online application and approval process with typical funding in less than 30 days, allowing borrowers to move quickly on home opportunities.
    • Free tools to compare mortgage rates and terms across multiple options, helping clients find the best plan for their specific financial situation.
    • Broker team including Jonathan F. Howard (NMLS #1568511), Angela, Todd, and Grant with expertise in home purchases, refinancing, and cash-out options.
    Mortgage BrokerHome LoansRefinancingFast FundingTampa
    Phone(813) 586-0818
    Jonathan F. Howard - Howard Team Home Loans
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL · 1 mi from St Petersburg
    Serves St. Petersburg, Tampa Bay, and surrounding Florida areas
    ★★★★★5.0(157 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancing
    Ideal clients: Homebuyers, refinancing homeowners, first-time buyers, borrowers seeking personalized mortgage guidance
    What sets them apart
    • Four licensed mortgage professionals on staff at the St. Petersburg branch, including Branch Manager Tammy Boldt, ready to guide clients through the mortgage process.
    • Part of Homeowners Financial Group USA, LLC (NMLS #93718), a legitimate equal housing lender with a corporate office in Scottsdale, Arizona.
    Mortgage LenderHome LoansRefinancingLicensed ProfessionalsEqual Housing Lender
    Phone(727) 800-7750
    Homeowners Financial Group
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL · 3 mi from St Petersburg
    Serves St. Petersburg, Tampa Bay, and surrounding Florida areas
    ★★★★★5.0(132 Google reviews)

    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.

    Best for: Refinancing
    Ideal clients: First-time home buyers, refinancing homeowners, move-up buyers, investment property purchasers, seniors exploring reverse mortgages
    What sets them apart
    • Tracie emphasizes cutting through red tape and eliminating common mortgage mistakes through professional guidance and transparent communication, with online application options available.
    • Offers purchase mortgages, refinancing, cash-out refinancing, investment property loans, and reverse mortgages for seniors 62+, serving a wide range of borrowing needs.
    • Committed to prompt email and phone responses and keeping clients informed throughout the entire loan process to ensure on-time closing.
    Mortgage BrokerHome LoansRefinancingFirst-Time BuyersCompetitive Rates
    Phone(727) 877-5684
    Savvy Mortgage Lending: Tracie Mayo, Mortgage Broker
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL · 1 mi from St Petersburg
    Serves St. Petersburg, Tampa Bay, and surrounding areas
    ★★★★★5.0(128 Google reviews)

    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.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, Refinancing borrowers, Investment property buyers, Home buyers seeking competitive rates
    What sets them apart
    • Consistently receives excellent feedback from clients, reflecting expertise and personalized attention throughout the mortgage process.
    • Works with borrowers to understand their unique financial situations and match them with appropriate loan programs and competitive rates.
    Mortgage LoansHome FinancingLoan OriginationSt. PetersburgTampa Bay
    Phone(813) 820-6981
    Yoanny Perez Castillo-MORTGAGE LOAN ORIGINATOR
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL · 1 mi from St Petersburg
    Serves St. Petersburg, Florida and surrounding areas; serving Florida, Texas, Minnesota, Alabama, Kentucky, and Tennessee
    ★★★★★5.0(126 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancing
    Ideal clients: First-time homebuyers, borrowers with complex financial situations, borrowers seeking refinancing, VA loan recipients
    What sets them apart
    • Creative 1st Mortgage helps borrowers with challenging financial histories, including those recovering from bankruptcy, who may struggle to qualify with conventional lenders.
    • Offers conventional, FHA, USDA, and VA loans, including low-to-no down payment programs and flexible refinancing options to match diverse borrower needs.
    • NMLS-licensed and regulated across six states, providing experienced loan officers ready to guide clients through the entire mortgage process from pre-approval to closing.
    Mortgage LendersHome LoansRefinancingVA LoansFHA Loans
    Phone(727) 914-9397
    Creative 1st Mortgage
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL · 1 mi from St Petersburg
    Serves St. Petersburg, Florida and surrounding areas
    ★★★★★5.0(115 Google reviews)

    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.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time home buyers, homeowners refinancing, borrowers seeking competitive rates, clients needing specialized loan products, Spanish-speaking borrowers
    What sets them apart
    • Access to a vast network of wholesale lenders, not limited to a single lender's products. They actively shop multiple loan options to find the ideal fit for each client's unique situation.
    • Founded by loan officers and designed to prioritize borrower savings. They operate on some of the smallest profit margins in the industry to pass competitive rates directly to clients.
    • Get fully-verified pre-approval with zero impact to your credit score, allowing you to explore your options risk-free before committing.
    Mortgage BrokerRefinancingHome PurchaseCompetitive RatesNo Credit Impact Pre-Approval
    Phone(727) 210-5547
    Custom Rate Mortgage
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL · 2 mi from St Petersburg
    Serves St. Petersburg, Tampa Bay area, and surrounding communities throughout Florida
    ★★★★★5.0(99 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, refinancing clients, jumbo loan applicants
    What sets them apart
    • Team Stapleton works with numerous lending partners, allowing them to compare loan options and find competitive rates tailored to each borrower's unique financial situation.
    • The team is known for streamlined pre-approval timelines, getting borrowers approved quickly so they can move forward with confidence in their home search.
    • They specialize in conventional, FHA, VA, and jumbo loans, serving first-time buyers, veterans, and borrowers with complex financial profiles.
    Mortgage BrokerHome LoansFast Pre-ApprovalMultiple LendersPersonalized Service
    Phone(727) 800-2921
    Team Stapleton Home Loans LLC
    Updated 4/21/26Learn More →
    85
    Lantern
    Score
    St. Petersburg, FL · 1 mi from St Petersburg
    Serves St. Petersburg, Tampa Bay area, and surrounding Florida cities
    ★★★★★5.0(89 Google reviews)

    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.

    Best for: Refinancing
    Ideal clients: First-time home buyers, move-up buyers, homeowners seeking refinancing, borrowers wanting personalized guidance and fast closings
    What sets them apart
    • Over 10 years as a loan officer with more than 1,000 families guided to homeownership since 2015.
    • Consistently recognized as a Top Originator by Scotsman Guide, demonstrating expertise and excellence in mortgage lending.
    • Builds referral-based business through tailored home financing plans and clear guidance that simplifies the entire lending process.
    Mortgage LoansHome FinancingRefinancingPre-ApprovalFirst-Time Buyers
    Phone(727) 543-2897
    Doug Wagner at CrossCountry Mortgage
    Updated 4/21/26Learn More →
    84
    Lantern
    Score
    Tampa, FL · 14 mi from St Petersburg
    Serves Tampa Bay area, Florida
    ★★★★★5.0(73 Google reviews)

    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.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, Homeowners refinancing, Self-employed borrowers, Anyone seeking competitive mortgage rates
    What sets them apart
    • Access to loans from multiple lenders allows them to compare rates and terms to find the best fit for each client's specific needs.
    • Their team provides transparent, one-on-one support throughout the loan process, from initial consultation through closing.
    Mortgage BrokerHome LoansRefinancingPre-Approval
    Phone(724) 510-8447
    Home Loan Advisors
    Updated 4/21/26Learn More →
    84
    Lantern
    Score
    Tampa, FL · 18 mi from St Petersburg
    Serves Tampa Bay area and surrounding Florida communities
    ★★★★★5.0(71 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, VA loan recipients, refinancing customers, jumbo loan applicants
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo mortgage options to serve diverse borrower needs and financial situations.
    • Streamlined underwriting and approval process helps buyers move quickly in competitive real estate markets.
    Mortgage LenderFHA LoansVA LoansRefinancingFast Pre-Approval
    Phone(586) 600-5100
    First Team Lending
    Updated 4/21/26Learn More →
    84
    Lantern
    Score
    Tampa, FL · 17 mi from St Petersburg
    Serves Tampa, Florida and surrounding areas throughout Florida
    ★★★★★4.9(1488 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, borrowers seeking fast closings, homeowners looking to refinance
    What sets them apart
    • Specializes in closing mortgage loans in 14 days or less, significantly faster than typical 30-45 day timelines, helping buyers close on their dream homes quickly.
    • Offers conventional, FHA, VA, and jumbo loan options with flexible terms to serve diverse borrower needs and financial situations.
    • Known for straightforward, honest pricing without hidden fees, making it easy for borrowers to understand their mortgage costs upfront.
    Fast ClosingsMortgage LenderFHA & VA LoansRefinancingTransparent Pricing
    Phone(813) 343-4775
    14 Days To Close
    Updated 4/21/26Learn More →
    84
    Lantern
    Score
    St. Petersburg, FL · 1 mi from St Petersburg
    Serves St. Petersburg, Tampa Bay, and surrounding Florida communities
    ★★★★★4.9(290 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, military veterans seeking VA loans, homeowners refinancing existing mortgages, buyers seeking jumbo financing
    What sets them apart
    • Direct relationships with loan officers who work to understand your financial situation and match you with appropriate loan programs, rather than a one-size-fits-all approach.
    • Access to conventional, FHA, VA, and jumbo mortgage products, allowing flexibility for first-time buyers, military veterans, and those seeking non-traditional financing.
    • Based in St. Petersburg with established relationships in the local real estate community, providing market knowledge and responsive service.
    Mortgage LenderHome FinancingLoan OfficerRefinancingSt. Petersburg
    Phone(727) 388-1321
    Gateway Capital Mortgage
    Updated 4/21/26Learn More →
    83
    Lantern
    Score
    Tampa, FL · 15 mi from St Petersburg
    Serves Tampa, Florida and surrounding areas
    ★★★★★4.9(180 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, refinancing homeowners, jumbo loan buyers
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loan options to meet diverse borrower needs and financial situations.
    • Streamlined application and underwriting process designed to move borrowers through closing quickly without sacrificing thoroughness.
    • Local Tampa team that works directly with borrowers to explain options and address questions throughout the mortgage process.
    Mortgage LenderHome LoansVA LoansFHA LoansFast Approval
    Embrace Home Loans - Tampa, FL
    Updated 4/21/26Learn More →
    83
    Lantern
    Score
    Tampa, FL · 17 mi from St Petersburg
    Serves Tampa Bay area, including Tampa, St. Petersburg, Clearwater, and surrounding communities
    ★★★★★5.0(45 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, military borrowers seeking VA loans, refinancers, jumbo loan applicants
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loans to serve diverse borrower needs and financial situations.
    • Streamlined underwriting delivers quick pre-approval decisions so buyers can move confidently in the market.
    • Downtown Tampa location with a team familiar with the local real estate market and community lending landscape.
    Mortgage LendingHome FinancingRefinancingFHA LoansVA Loans
    Luminate Bank - Tampa Branch
    Updated 4/21/26Learn More →
    83
    Lantern
    Score
    St. Petersburg, FL · 4 mi from St Petersburg
    Serves St. Petersburg, Tampa Bay area, and surrounding Florida communities
    ★★★★★5.0(77 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, existing homeowners refinancing, VA loan-eligible borrowers, jumbo loan applicants
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loans to serve diverse borrower needs and financial situations.
    • Streamlined pre-approval system gets clients qualified quickly so they can start their home search with confidence.
    • Direct work with clients to understand their financial goals and match them with the best loan program for their circumstances.
    Mortgage LendingHome FinancingRefinancingFast Pre-Approval
    Epic Mortgage
    Updated 4/21/26Learn More →
    82
    Lantern
    Score
    St. Petersburg, FL · 1 mi from St Petersburg
    Serves St. Petersburg, Tampa Bay, and surrounding Florida areas
    ★★★★★5.0(30 Google reviews)

    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.

    Best for: Refinancing
    Ideal clients: First-time home buyers, existing homeowners refinancing, buyers seeking competitive rates and transparent guidance
    What sets them apart
    • Licensed mortgage professional since 2001 with a proven track record of guiding families through the home buying and refinancing process.
    • Recognized as one of Scotsman Guide's Top Originators and works for a 5-time Best Mortgage Company to Work For.
    • Known for answering phone calls directly, frequent responsive communication, and creative problem-solving tailored to each client's unique situation.
    Mortgage LoansHome PurchaseRefinancingPre-QualificationLicensed Loan Officer
    Phone(727) 641-5958
    Gustavo E. Saballos at Homeowners Financial Group USA, LLC
    Updated 4/21/26Learn More →
    82
    Lantern
    Score
    Tampa, FL · 14 mi from St Petersburg
    Serves Tampa, Miami, Hialeah, Miami Lakes, and surrounding South Florida communities
    ★★★★★5.0(30 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, self-employed professionals, borrowers with non-traditional income, homeowners refinancing, VA and FHA loan applicants
    What sets them apart
    • Offers 8+ loan types including FHA, VA, USDA, Jumbo, Conventional, Reverse, Non-QM, and Bridge Loans, plus specialized programs for self-employed, 1099 income, and bank statement borrowers.
    • Provides FHA Streamline, VA Streamline, cash-out, FHA 203k, and Jumbo refinance programs designed to help homeowners lower payments or access home equity.
    • Uses the Loanzify App to guide clients through financing and connect them directly with loan officers and real estate agents, simplifying the mortgage process.
    Mortgage BrokerFirst-Time Home BuyersLoan ProgramsRefinancingFHA & VA Loans
    Phone(772) 281-7109
    Nxt Level Lending LLC powered by Top tier home loans.
    Updated 4/21/26Learn More →
    82
    Lantern
    Score
    St. Petersburg, FL · 1 mi from St Petersburg
    Serves St. Petersburg, Pinellas County, and surrounding Tampa Bay communities
    ★★★★★5.0(28 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, military veterans seeking VA loans, homeowners looking to refinance, buyers needing FHA financing
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loan options to serve diverse buyer profiles and financial situations.
    • Provides education and guidance specifically designed to help first-time homebuyers navigate the mortgage process with confidence.
    • Based in St. Petersburg with deep knowledge of the local housing market and community lending needs.
    Mortgage LoansRefinancingFirst-Time BuyersFHA & VA Loans
    Phone(727) 871-8814
    Brad Thompson at Homeowners Financial Group USA, LLC
    Updated 4/21/26Learn More →
    82
    Lantern
    Score
    St. Petersburg, FL · 1 mi from St Petersburg
    Serves St. Petersburg, Tampa Bay Area, and surrounding Florida communities
    ★★★★★5.0(26 Google reviews)

    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.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, refinancing homeowners, buyers seeking transparent guidance, those looking for fast pre-qualification
    What sets them apart
    • Tammy has been in the mortgage industry since 2002, providing deep expertise and personalized service based on thorough understanding of client needs and market processes.
    • Recognized on Scotsman Guide's 2026 Top Originators List and part of Homeowners Financial Group, a 5-time Best Mortgage Company to Work For.
    • Emphasizes clear communication throughout the entire mortgage process, with tools and resources provided to help clients understand their options and stay informed.
    Mortgage LenderHome FinancingRefinancingPre-QualificationAward-Winning
    Phone(727) 452-9594
    Tammy Boldt Team at Homeowners Financial Group USA, LLC
    Updated 4/21/26Learn More →
    81
    Lantern
    Score
    Tampa, FL · 17 mi from St Petersburg
    Serves Tampa, Florida and surrounding areas
    ★★★★★4.8(116 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, FHA loan applicants, home refinancers, jumbo loan seekers
    What sets them apart
    • Offers VA loans, FHA loans, conventional mortgages, and jumbo loans to serve diverse borrower needs and credit profiles.
    • Provides quick pre-approval decisions to help borrowers move through the home buying process efficiently.
    • Works with various lending partners to compare rates and terms, helping clients secure the best mortgage options available.
    Mortgage LendersVA LoansFHA LoansHome FinancingTampa
    Phone(813) 515-7548
    Home Access Financial, LLC
    Updated 4/21/26Learn More →
    81
    Lantern
    Score
    Tampa, FL · 17 mi from St Petersburg
    Serves Tampa, Florida and surrounding areas
    ★★★★★4.8(73 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, FHA loan borrowers, luxury home buyers, refinancing customers
    What sets them apart
    • Offers conventional, FHA, VA, jumbo, and other specialized mortgage products to serve diverse borrower needs and financial situations.
    • Streamlined application and underwriting designed to get borrowers pre-approved quickly so they can begin their home search with confidence.
    • Works directly with each client to understand their financial goals and find the right loan product at competitive rates.
    Mortgage LenderHome FinancingFHA LoansVA LoansPre-Approval
    Phone(855) 525-9070
    Pioneer Mortgage Funding
    Updated 4/21/26Learn More →
    80
    Lantern
    Score
    Riverview, FL · 22 mi from St Petersburg
    Serves Riverview, FL and surrounding Tampa Bay area
    ★★★★★5.0(19 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, VA loan borrowers, FHA loan applicants, homeowners seeking refinancing
    What sets them apart
    • Specializes in quick pre-approval timelines to help you move fast in a competitive market.
    • Offers conventional, FHA, VA, and refinancing options, allowing flexibility for different borrower profiles and financial situations.
    • Local Riverview-based team dedicated to understanding your specific financing needs and guiding you through the loan process.
    Mortgage LenderHome FinancingFast Pre-ApprovalVA LoansFHA Loans
    Phone(813) 495-9542
    247 Home Loans.net
    Updated 4/21/26Learn More →
    80
    Lantern
    Score
    Tampa, FL · 24 mi from St Petersburg
    Serves Tampa, Florida and surrounding areas
    ★★★★★4.7(106 Google reviews)

    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.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan eligible borrowers, homeowners seeking refinancing, luxury home buyers with jumbo loan needs
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loan options to serve diverse borrower needs and financial situations.
    • Streamlined pre-approval to help buyers move quickly in competitive markets and understand their buying power.
    • Serves both new homebuyers and existing homeowners seeking refinancing, with dedicated support throughout the loan process.
    Mortgage LenderFHA LoansVA LoansRefinancingFast Pre-Approval
    Phone(813) 964-1268
    American Nationwide Mortgage Company, Inc.
    Updated 4/21/26Learn More →

    Frequently Asked Questions

    Who is the top-ranked mortgage broker in St. Petersburg, FL?

    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.

    Which mortgage brokers are best for VA loan borrowers?

    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.

    What mortgage options are available for first-time homebuyers in St. Petersburg?

    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.

    Who offers the fastest loan closings in the St. Petersburg area?

    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.

    Which mortgage brokers can help with non-traditional credit or financial situations?

    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.

    Are there mortgage brokers in St. Petersburg who specialize in jumbo loans?

    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.

    This directory of mortgage brokers local businesses serving St Petersburg, FL is maintained by Lantern. Rankings are determined by the Lantern Score — not advertising or payment for placement. Learn how it works. Last updated April 21, 2026. To claim or update a listing, contact us.