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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. St. Petersburg
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator St. Petersburg, FL

How much house can you afford in St. Petersburg? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in St. Petersburg

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Creative 1st Mortgage

Verified

Creative 1st Mortgage stands out for its clear communication and personalized approach, helping clients understand mortgage options in plain English. Serving six states, the team offers a variety of loan programs for first-time buyers, investors, and self-employed individuals. Customers appreciate their patience and thorough guidance throughout the loan process.

Services & Prices
Closing Assistance Quoted per loan
Initial Assessment $150 - $250
Implementation Planning $300 - $400
View Profile
(727) 914-9397
Open 9:00 AM - 5:00 PM
447 3rd Ave N Ste 210, St. Petersburg, FL 33701
General Services
Mortgage Services
2

Gateway Capital Mortgage

Gateway Capital Mortgage is known for fast, efficient closings and securing competitive rates. The team guides clients through the mortgage process with clear communication and professional support, often going beyond typical business hours. Customers appreciate their responsiveness and thoroughness, though some note the high demand can make scheduling a bit challenging.

Services & Prices
Conventional Mortgage Quoted per loan
Hard Money Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(727) 388-1321
Open 8:00 AM - 8:00 PM
11 Beach Dr SE, St. Petersburg, FL 33701
General Services
Mortgage Services
3

Homeowners Financial Group

Homeowners Financial Group is known for its patient, transparent approach, especially appreciated by first-time homebuyers. The team helps clients navigate mortgages with clear explanations and responsive communication, making the process feel smooth and organized. Some customers note that comparing offers can be part of the decision, but service remains consistently attentive.

View Profile
(727) 800-7750
Open 8:30 AM - 5:00 PM
150 2nd Ave N #730, St. Petersburg, FL 33701
4

The Mortgage Firm

With over 30 years of experience and an MPA certification, The Mortgage Firm focuses on making mortgages clear and manageable for St. Petersburg clients. They offer home purchase and refinancing options, along with educational resources, and are noted for their responsive, patient team who guide borrowers through complex loans with steady communication. Some customers find the process takes… more...

With over 30 years of experience and an MPA certification, The Mortgage Firm focuses on making mortgages clear and manageable for St. Petersburg clients. They offer home purchase and refinancing options, along with educational resources, and are noted for their responsive, patient team who guide borrowers through complex loans with steady communication. Some customers find the process takes longer than expected but appreciate the team's persistence throughout.

Services & Prices
Conventional Mortgage Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(407) 747-1492
Open 9:00 AM - 6:00 PM
9600 Koger Blvd N #208, St. Petersburg, FL 33702
General Services
Mortgage Lending
5

Savvy Mortgage Lending: Tracie Mayo, Mortgage Broker

Savvy Mortgage Lending offers fast approvals and personalized one-on-one support to simplify the mortgage process for homebuyers and those refinancing in Florida. The team guides clients through loan options, preapproval, and closing with clear communication and patient explanations. Some clients note the process can feel detailed but appreciate the thorough support.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Investment Property Loans Quoted per loan
View Profile
(727) 877-5684
Open 9:00 AM - 8:00 PM
3833 Central Ave, St. Petersburg, FL 33713
General Services
Mortgage Lending
Where they are 10 on the map Click a pin for the profile and directions
6

Custom Rate Mortgage

Custom Rate Mortgage specializes in securing competitive loan options by actively shopping multiple wholesale lenders and offering a "No Credit Impact" pre-approval. They provide a range of mortgage services, including home purchases, refinancing, and construction loans, with a focus on clear communication and personalized guidance. Some clients note the process can be detailed, but the team’s… more...

Custom Rate Mortgage specializes in securing competitive loan options by actively shopping multiple wholesale lenders and offering a "No Credit Impact" pre-approval. They provide a range of mortgage services, including home purchases, refinancing, and construction loans, with a focus on clear communication and personalized guidance. Some clients note the process can be detailed, but the team’s responsiveness and support are consistently appreciated.

Services & Prices
Pre-Approval Letters Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(727) 210-5547
Open 8:00 AM - 5:00 PM
360 Central Ave Ste 470, St. Petersburg, FL 33701
General Services
Mortgage Services
7

Waterstone Mortgage Corporation

Waterstone Mortgage Corporation specializes in providing a supportive, personalized mortgage experience with a variety of programs for first-time buyers and home equity options. The team offers helpful resources and tools to guide clients through the process, and customers often note their responsiveness and expertise despite occasional closing delays.

Services & Prices
Home Mortgage Quoted per loan
Refinancing Quoted per loan
View Profile
(727) 497-0397
Open 9:00 AM - 6:00 PM
6798 Crosswinds Dr N Suite C-104, St. Petersburg, FL 33710
General Services
Mortgage Services
8

Team Stapleton Home Loans LLC

With over 25 years of experience, Team Stapleton Home Loans specializes in personalized mortgage solutions for Florida homeowners, including first-time buyers and refinancing clients. The team offers a wide range of loan options and is known for clear communication and responsive support throughout the mortgage process.

Services & Prices
Mortgage Pre-Approval Quoted per loan
View Profile
(727) 800-2921
Open 9:00 AM - 8:00 PM
3035 5th Ave N, St. Petersburg, FL 33713
General Services
Mortgage Services
9

Good People Mortgage Company

Good People Mortgage Company specializes in a variety of loan programs, including FHA, VA, USDA, Conventional, and Jumbo loans, with a focus on first-time homebuyers and niche options like Homes for Heroes. The team offers personalized guidance through both purchases and refinancing, helping clients navigate complex mortgage choices with clear explanations. Some customers note the process can… more...

Good People Mortgage Company specializes in a variety of loan programs, including FHA, VA, USDA, Conventional, and Jumbo loans, with a focus on first-time homebuyers and niche options like Homes for Heroes. The team offers personalized guidance through both purchases and refinancing, helping clients navigate complex mortgage choices with clear explanations. Some customers note the process can take time, but appreciate the attentive support throughout.

Services & Prices
Home Purchase Mortgage Quoted per loan
VA Mortgage Quoted per loan
Refinance Mortgage Quoted per loan
View Profile
(727) 543-7398
Open 9:00 AM - 6:30 PM
2749 58th Ave N, St. Petersburg, FL 33714
General Services
Mortgage Services
10

Creative Mortgage Lenders

With over two decades of experience, Creative Mortgage Lenders specializes in guiding clients through both home purchase and refinance financing options. The team is known for clear communication and personalized support, helping make the mortgage process more manageable. Customers appreciate their responsiveness and dedication, though some note the fast pace can feel intense.

Services & Prices
Fixed Rate Mortgages Quoted per loan
Adjustable Rate Mortgages Quoted per loan
Refinancing Loans Quoted per loan
View Profile
(727) 822-2222
Open 9:00 AM - 7:00 PM
2411 4th St N, St. Petersburg, FL 33704
General Services
Mortgage Lending Services

St. Petersburg Mortgage Statistics

Home-purchase lending in Pinellas County and home costs in St. Petersburg, FL (latest HMDA and Census data)

Lenders made 10,442 home-purchase loans in Pinellas County in 2025 (average about $462,000) and denied 1,653 — 14% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In St. Petersburg, the median home is worth $371,100 and 56% of owners have a mortgage, paying a median $1,987 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
10,4420%10,452 in 2024
Denial rate
14%FL 17%
Median home value
$371,100FL $359,000
Monthly cost with a mortgage
$1,987median · FL $1,959
Refinance loans made (Pinellas County, 2025)
5,213 · 4,267 in 2024
Home-improvement loans made (2025)
2,067
Average home-purchase loan
$462,000 (FL $416,000)
Owners with a mortgage
56% · 34% of them spend 30%+ of income on housing
Median household income
$75,192 (FL $74,568)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Pinellas County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

St. Petersburg Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Creative 1st Mortgage 5.0 134 $150 (727) 914-9397 Visit
2 Gateway Capital Mortgage 4.9 318 Quoted per loan (727) 388-1321 Visit
3 Homeowners Financial Group 5.0 161 — (727) 800-7750 Visit
4 The Mortgage Firm 5.0 134 Quoted per loan (407) 747-1492 Visit
5 Savvy Mortgage Lending: Tracie Mayo, Mortgage Broker 5.0 133 Quoted per loan (727) 877-5684 Visit
6 Custom Rate Mortgage 5.0 128 Quoted per loan (727) 210-5547 Visit
7 Waterstone Mortgage Corporation 4.9 124 Quoted per loan (727) 497-0397 Visit
8 Team Stapleton Home Loans LLC 5.0 108 Quoted per loan (727) 800-2921 Visit
9 Good People Mortgage Company 5.0 33 Quoted per loan (727) 543-7398 Visit
10 Creative Mortgage Lenders 5.0 22 Quoted per loan (727) 822-2222 Visit

How this St. Petersburg mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Florida rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

10 questions
How does the St. Petersburg mortgage affordability calculator work?
It estimates the highest home price you can qualify for using income, debts, down payment, and interest rate. It also calculates monthly payments, PMI, and property tax.
How accurate is the mortgage affordability estimate?
The estimate is a guide. Lenders confirm the real number through pre-approval, verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Florida?
Lenders often cap housing costs at 31% of gross monthly income and total debt payments at 43%. Some loans allow more with strong credit.
What's the minimum down payment for a mortgage in St. Petersburg?
First-time buyers can put down 3% on conventional loans, 3.5% on FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Florida?
If you put less than 20% down, PMI is added. It's about 0.6% of the loan annually and can be removed once the balance is below 80%.
How do interest rates impact mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40%.
How do debts affect how much mortgage I can get?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders consider total debt payments in their calculations.
What is the property tax rate in Florida?
Property tax is about 0.76% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, giving a more accurate borrowing limit. Pre-qualification is a preliminary estimate.
What does a mortgage broker do in St. Petersburg?
A mortgage broker helps find and negotiate mortgage terms with lenders, guiding you through the home loan process.

General information, not financial advice — consult a qualified professional.