Pinellas County Mortgages, From Your Palm Harbor Neighbors

The ReMarkable Mortgage Team's office is at 34125 US Highway 19 in Palm Harbor, right in north Pinellas. Pinellas is a peninsula county between Tampa Bay and the Gulf, with Clearwater as the county seat and St. Petersburg as its largest city.

Communities we serve across Pinellas

• North Pinellas — Palm Harbor, Tarpon Springs, East Lake, Oldsmar, Safety Harbor and Dunedin.
• Mid-county — Clearwater, Largo, Seminole and Pinellas Park.
• South county — St. Petersburg, Gulfport and the barrier-island beach towns.

What makes Pinellas financing different

Pinellas has many condos and older homes, and much of the coast is in FEMA flood zones. Condo approvals (warrantable vs. non-warrantable), flood insurance, and homeowners insurance all affect your payment and should be reviewed early.

Typical Pinellas buyers

First-time buyers competing for limited inventory, condo buyers, move-up families, investors (see DSCR loans), self-employed borrowers (bank statement loans), and longtime owners downsizing or using a reverse mortgage.

Loan programs

Conventional, FHA, VA, jumbo for higher-priced waterfront homes, and first-time buyer programs.

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.