St. Petersburg Home Loans for St. Pete Buyers

St. Petersburg is the largest city in Pinellas County, on the southern end of the peninsula. Whether you call it St. Pete or St. Petersburg, The ReMarkable Mortgage Team can help you finance a home here.

St. Pete neighborhoods and home types

• Downtown & the waterfront — high-rise and mid-rise condos, where the condo association's details matter for financing.
• Historic neighborhoods such as Old Northeast, Kenwood and Crescent Lake — older bungalows and homes where inspections and insurance are key.
• Waterfront areas such as Snell Isle and Shore Acres — higher-priced homes that may need jumbo financing, plus flood zone review.
• Nearby — Gulfport, St. Pete Beach and the other beach communities.

Typical St. Pete buyers

Young professionals and first-time buyers, condo buyers, relocating buyers, investors (DSCR), self-employed borrowers (non-QM / bank statement), and veterans using VA loans.

Insurance and flood zones

Much of low-lying St. Petersburg is in FEMA flood zones. Flood insurance requirements, wind coverage, and the age of the roof can all affect approval and your monthly payment, so get quotes early.

Loan programs

Conventional, FHA, VA, jumbo, and first-time buyer options.

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.