Clearwater Home Loans, Minutes From Our Office

Clearwater is the county seat of Pinellas County, and The ReMarkable Mortgage Team's Palm Harbor office is a short drive north on US-19. We help Clearwater buyers and homeowners with purchase and refinance loans.

Clearwater areas we serve

• Clearwater Beach & Island Estates — condos and waterfront homes where condo approvals, flood zones and wind insurance shape the loan.
• Downtown Clearwater — condos and older homes near the bluff and Cleveland Street.
• Countryside and northeast Clearwater — established single-family neighborhoods popular with families.
• Nearby — Dunedin, Safety Harbor and Largo.

Typical Clearwater buyers

First-time buyers, families moving up, retirees and second-home buyers, investors (DSCR), and veterans using VA loans. Homeowners 62+ may ask about reverse mortgages.

Loan programs

Conventional, FHA, VA, jumbo for higher-priced beach and waterfront properties, and non-QM options for self-employed borrowers.

Florida buyers may also qualify for programs run through Florida Housing Finance Corporation (the state's housing finance agency), such as first-mortgage programs paired with down payment and closing-cost assistance, and the Florida Hometown Heroes program for eligible full-time Florida workers. Some counties and cities also run their own local assistance through the SHIP program. See our down payment assistance guide for how these work.

Program availability, eligibility, income and purchase-price limits, and assistance funding change over time and are set by the program administrators. Ask Mark for current details before you rely on any program.