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.
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Creative 1st MortgageVerified
5.0 · 134 reviews · Free pre-approval
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Gateway Capital Mortgage
4.9 · 318 reviews · Free pre-approval
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Homeowners Financial Group
5.0 · 161 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.
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.
General information, not financial advice — consult a qualified professional.