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2024

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Best Mortgage Brokers in St. Petersburg, FL

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored St. Petersburg Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

78Reviewed

54Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

St. Petersburg, FL
WebsiteLicense: 1951574

Expertise.com Rating

Review Sources

Google
5.0 (597)
Facebook
5.0 (91)
Zillow
5.0 (73)

Why choose this provider?

Agave Home Loans is a team of mortgage brokers serving St. Petersburg and the surrounding areas. It provides several loan options such as conventional loans, VA loans, FHA loans, and non-QM loans. It helps clients convert equity to cash, switch adjustable-rate mortgage to fixed-rate mortgage, change the terms of loans, and reduce monthly interest rates. It also works with underwriters to speed up the loan application process. The company's co-owner and COO, Doug Wang, has been in the industry for over seven years.

  • Refinance

7411 114th Avenue, Largo, FL 33773
WebsiteLicense: 4566

Expertise.com Rating

Review Sources

Facebook
4.0 (21)
Google
4.0 (13)
Yelp
5.0 (3)

Why choose this provider?

Access Reverse Mortgage is a family-owned company that has been providing reverse mortgages to the residents of St. Petersburg for more than a decade. It is a member of the Association of Independent Mortgage Experts, Florida Association of Mortgage Professionals, Better Living for Seniors, National Reverse Mortgage Lenders Association, and National Association of Insurance and Financial Advisors. President Mac Tennant has contributed to several radio programs and held seminars and educational classes as a reverse mortgage expert.

  • Reverse Mortgages

700 Cleveland Street, Clearwater, FL 33755
WebsiteLicense: 921372

Expertise.com Rating

Review Sources

Facebook
4.0 (14)
Yelp
4.0 (6)

Why choose this provider?

Clearwater Mortgage is a company of loan and mortgage professionals in Clearwater that offers home financing and refinancing services to clients of the St. Petersburg metro. The family-owned and operated company began in 2012 and was formed with the goal of simplifying loan applications for clients. Its team of NMLS-certified loan professionals is an expert in applying for and securing loans such as conventional loans, government loans (FHA, USDA, and VA), mortgage refinancing (HARP), jumbo loans, and asset-based loans.

  • New Construction
  • Refinance

449 Central Ave., Suite 201, St. Petersburg, FL 33701

Expertise.com Rating

Review Sources

Zillow
5.0 (148)
Google
4.6 (33)

Why choose this provider?

Soar is a local mortgage firm headquartered in the St. Petersburg metro. With more than 10 years of industry experience, its team of professionals guides homebuyers in securing mortgage financing and homeowners in refinancing existing mortgages. The team assists clients in each step of the loan process from initial consultation and pre-qualification to mortgage offer presentation and acceptance and loan closing. Soar gives back to the community by supporting the American Stage Theater and Shakespeare Art.

2411 4th Street North, St. Petersburg, FL 33704
WebsiteLicense: 247952

Expertise.com Rating

Review Sources

Google
4.0 (16)
Facebook
5.0 (16)

Why choose this provider?

Creative Mortgage Lenders provides home loan options to homebuyers and investors in St. Petersburg. Jeannie O'Grady, its loan originator, has been handling mortgage transactions since 1985. She explains her clients' financing options and helps them acquire loan programs based on their financial circumstances. The loan products available include adjustable-rate, conventional, FHA, fixed-rate, non-confirming, and VA. Additionally, its loan experts can process rehab and reverse mortgage loans. Creative Mortgage Lenders is committed to making the mortgage process quick and easy.

  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

7815 2nd Avenue Northwest, Bradenton, FL 34209
WebsiteLicense: 1353198

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (15)
Yelp
5.0 (2)

Why choose this provider?

JZ Mortgage Services, Inc. is a brokerage firm that serves St. Petersburg, Bradenton, Sarasota, Tampa, and the surrounding areas. It offers several traditional loan options such as conventional, FHA, VA, and reverse mortgage. It also offers portfolio loans such as jumbo loans and investor loans with no income requirements for clients who have other financing needs. JZ Mortgage Services work with hundreds of lenders which can accommodate clients with a wide range of credit scores.

  • New Construction
  • Refinance

449 Central Avenue, St. Petersburg, FL 33701
WebsiteLicense: 1492187

Expertise.com Rating

Review Sources

Google
4.0 (39)
Facebook
5.0 (24)
Yelp
5.0 (2)

Why choose this provider?

Fintech Mortgage Association LLC in St. Petersburg has served more than one thousand residential and commercial clients since 2016. Using a simplified system, the company assists in loan processing, from online application and pre-approval to underwriting and loan closing stages. It offers mortgage products for homebuyers and property owners who want to refinance an existing mortgage or acquire a new home. It also works with individuals who are seeking to buy real estate properties as investments. Fintech Mortgage Association is an Equal Housing Lender.

  • Refinance
  • Commercial Loans

5801 Gulf Boulevard, St. Pete Beach, FL 33706
WebsiteLicense: 224710

Expertise.com Rating

Review Sources

Facebook
4.1 (44)
Google
4.0 (8)

Why choose this provider?

Kim Harestad is a mortgage broker that serves clients in the St. Petersburg area. Closing deals for over two decades, she works alongside her clients to make sure that she is able to guide them through the whole mortgage process. Her company, Vandyk Mortgage Corporation, has been in the real estate business for more than 30 years and has invested in technology as a way to serve its customers through its own software and mobile app.

  • New Construction
  • Refinance

11380 66th Street North, Largo, FL 33773
WebsiteLicense: 1858753

Expertise.com Rating

Review Sources

Google
4.0 (23)

Why choose this provider?

Sunshine Mortgage Brokers specializes in helping St. Petersburg clients apply for home loan programs. Its team of brokers offers several types of mortgage loans for first-time and repeat homebuyers, including FHA that helps borrowers pay for their debts from the lenders. It also caters to clients who want to get funds that exceed the amount of conforming loans by offering jumbo loan options. Sunshine Mortgage Brokers is a member of AIME and Brokers Are Better Network.

  • Refinance
  • Purchase Transactions

8470 Enterprise Circle, Lakewood Ranch, FL 34202

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Thomas D. Wood and Company is a private investment banking company that focuses on small-balance commercial and multi-family loans. Serving St. Petersburg, the firm assists borrowers, investors, and lenders with its non-conventional real estate and deal structures. Since its establishment in 1987, the firm has worked with more than 180 lenders. Founder and president Thomas D. Wood Jr. has been a member of the Mortgage Bankers Association since 1988. The company also has offices in Miami, Fort Lauderdale, Orlando, Lakewood Ranch, and Tampa.

  • Refinance

4590 Ulmerton Road, Clearwater, FL 33762
WebsiteLicense: 75243

Expertise.com Rating

Review Sources

Google
5.0 (52)

Why choose this provider?

Paramount Residential Mortgage Group, Inc., is a brokerage that serves residents in St. Petersburg. The company provides a range of mortgage options that fit its clients' needs and financial situations. Its mortgage originators also help borrowers understand how mortgages work and aid them in choosing the right option for their home financing. For more than 20 years, the mortgage broker has been helping clients purchase or refinance their homes. Paramount Residential Mortgage Group, Inc., has over 230 branches across the country.

  • Refinance

1265 South Myrtle Avenue, Clearwater, FL 33756
WebsiteLicense: 347075

Expertise.com Rating

Review Sources

Facebook
4.0 (10)

Why choose this provider?

Founded in 1999, Moneylink Mortgage is a family-owned mortgage company serving clients in the Tampa Bay area, including St. Petersburg. The business specializes in residential loan products. Its staff can assist clients through an array of such loan products, from reverse mortgages for senior citizens and cash-out refinancing to rate and term refinancing. President and owner Michael Galasso has been in the mortgage industry since 1994, maintains an esteemed reputation in the real estate community, and has previous entrepreneurial experience.

  • Refinance
  • Reverse Mortgages

10575 68th Avenue, Seminole, FL 33772
WebsiteLicense: 1197473

Expertise.com Rating

Review Sources

Google
4.0 (21)
Facebook
4.8 (19)

Why choose this provider?

Champions Mortgage is a firm that provides a wide range of mortgage services for homebuyers in St. Petersburg. Its team simplifies the entire process to help clients get a streamlined pre-approval. Some available home loans are conventional, VA, non-conforming, fixed-rate, adjustable-rate, and reverse mortgages. Additionally, the company handles commercial lending. Champions Mortgage developed strategic collaboration with financial institutions to rebuild itself from a broker to a full-service lender that delivers a one-stop-shop approach for all mortgage requirements.

  • Reverse Mortgages

13115 West Linebaugh Avenue, Suite 102, Tampa, FL 33626
WebsiteLicense: 1749939

Expertise.com Rating

Review Sources

Google
5.0 (90)
Facebook
5.0 (53)

Why choose this provider?

Heckman Mortgage is a local agency that provides loan options for individuals and families who are seeking homeownership in St. Petersburg and the surrounding areas. It offers a variety of loans, such as conventional, FHA, VA, USDA, DPA, and jumbo mortgages. Branch manager and certified mortgage advisor Brian Heckman has been in the industry for the last 20 years. He leads a team of mortgage professionals who uses tools and systems to deliver personalized loan programs for clients.

  • Refinance

6933 Greenbrier Drive, Seminole, FL 33777
WebsiteLicense: 1743685

Expertise.com Rating

Review Sources

Google
4.9 (115)
Facebook
4.9 (50)

Why choose this provider?

All In One Lending Inc. is a locally owned mortgage brokerage serving St. Petersburg and nearby areas. It assists clients who are purchasing a new home or refinancing throughout the process involving different types of loans such as FHA, VA, jumbo, and conventional. Its team of professionals advises and educates people about the home buying process. One of them is mortgage originator Robert Harris who has been helping clients with their residential real estate matters since 2004.

  • New Construction
  • Refinance

5521 38th Avenue N., St. Petersburg, FL 33710
Website

Expertise.com Rating

Review Sources

Google
4.9 (1322)
Zillow
5.0 (12)
Facebook
5.0 (3)

Why choose this provider?

The Mortgage Firm serves homebuyers and owners in St. Petersburg and the nearby communities. The firm offers a wide array of home loan programs for different needs, including conventional, VA, USDA, FHA, and jumbo loans. It also provides reverse mortgages for homeowners looking to cash in on their home's equity. Its team assists clients throughout the process, from preparing requirements to get pre-approved for a loan to processing the funds for closing the property sale. The full-service team comprises underwriters, loan originators, and processors.

  • New Construction
  • Refinance

6035 43rd Terrace North, St. Petersburg, FL 33709
WebsiteLicense: 326484

Expertise.com Rating

Review Sources

Facebook
4.0 (31)
Google
5.0 (1)

Why choose this provider?

Citrus Lending of Tampa Bay is a full-service mortgage brokerage serving St. Petersburg and the entire State of Florida. Since 2005, the family-owned and family-run business has been helping clients obtain loans for homeownership and investment goals. The team handles government-backed loans such as VA, FHA, and USDA. They also provide conventional loans, mobile home financing, as well as stated-income loans for self-employed individuals. Citrus Lending of Tampa Bay is affiliated with the NAMB and FAMB.

  • New Construction
  • Refinance

100 2nd Avenue North, St. Petersburg, FL 33701
WebsiteLicense: 1663584

Expertise.com Rating

Review Sources

Google
5.0 (80)
Facebook
5.0 (12)

Why choose this provider?

Savvy Mortgage Lending is a mortgage broker based in St. Petersburg that offers clients a variety of mortgage products ranging from conventional loans such as fixed-rate mortgages and adjustable-rate mortgages to government loans like FHA, VA, and USDA mortgages. Its mortgage professionals help clients throughout the mortgage process by educating them on their available options and identifying which mortgage plan satisfies their requirements. Co-founders Tracie Mayo and Eileen Donovan have experience in financial data analysis and buyer acquisition.

  • New Construction

260 1st Avenue South, St. Petersburg, FL 33701
WebsiteLicense: 12901

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

Dalton Wage Mortgage Team is a company serving homeowners in St. Petersburg and the surrounding areas. It is made up of a nine-person team that strives to provide its customers with the loan product that best fits their needs. The loan programs offered by the company include conventional, VA, FHA, and jumbo loans. The company also deals with USDA, rural development, and renovation loans. Moreover, adjustable-rate and reverse mortgages are available at the company. Its website also offers customers access to a mortgage calculator.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Agave Home Loans
Access Reverse Mortgage
7411 114th Avenue, Largo, FL 33773
Clearwater Mortgage
700 Cleveland Street, Clearwater, FL 33755
Soar
449 Central Ave., Suite 201, St. Petersburg, FL 33701
Creative Mortgage Lenders
2411 4th Street North, St. Petersburg, FL 33704
JZ Mortgage Services, Inc.
7815 2nd Avenue Northwest, Bradenton, FL 34209
Fintech Mortgage Association LLC - St Petersburg
449 Central Avenue, St. Petersburg, FL 33701
Kim Harestad
5801 Gulf Boulevard, St. Pete Beach, FL 33706
Sunshine Mortgage Brokers
11380 66th Street North, Largo, FL 33773
Thomas D. Wood and Company
8470 Enterprise Circle, Lakewood Ranch, FL 34202
Paramount Residential Mortgage Group, Inc.
4590 Ulmerton Road, Clearwater, FL 33762
Moneylink Mortgage
1265 South Myrtle Avenue, Clearwater, FL 33756
Champions Mortgage
10575 68th Avenue, Seminole, FL 33772
Heckman Mortgage
13115 West Linebaugh Avenue, Suite 102, Tampa, FL 33626
All In One Lending Inc
6933 Greenbrier Drive, Seminole, FL 33777
The Mortgage Firm
5521 38th Avenue N., St. Petersburg, FL 33710
Citrus Lending of Tampa Bay
6035 43rd Terrace North, St. Petersburg, FL 33709
Savvy Mortgage Lending
100 2nd Avenue North, St. Petersburg, FL 33701
Dalton Wade Mortgage Team
260 1st Avenue South, St. Petersburg, FL 33701

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.