Find Mortgage Lenders Near You in St. Petersburg, FL
Compare mortgage lenders in St. Petersburg. Review contact information and insurance categorys before you decide.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Florida before hiring.
Showing 20 mortgage lenders in St. Petersburg, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage lenders in St. Petersburg Florida help home buyers and homeowners secure financing for residential properties. Florida law requires lenders to be licensed through the Florida Office of Financial Regulation. Local lenders understand Pinellas County market conditions and can guide you through Florida specific disclosures like the Florida Home Loan Disclosure Act.
What Does a Mortgage Lender in St. Petersburg Cost?
Typical costs for a mortgage lender in Florida include an origination fee of 0.5 to 1 percent of the loan amount plus third party fees for appraisal title search and credit report. Closing costs in Pinellas County often range from 2 to 5 percent of the purchase price. For a 300000 dollar home expect total closing costs between 6000 and 15000 dollars. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the licensing requirements for mortgage lenders in Florida?
Mortgage lenders must be licensed by the Florida Office of Financial Regulation under Chapter 494 of Florida Statutes. Loan originators must also pass a background check and complete pre licensing education. This ensures consumer protection in the St. Petersburg market.
How long does a typical mortgage approval take in Florida?
A standard mortgage approval in Florida usually takes 30 to 45 days from application to closing. Florida law requires a three day right of rescission for refinances. Delays can happen if property appraisals or title searches take longer.
What documents do I need to apply for a mortgage in St. Petersburg?
You will need recent pay stubs W 2 forms tax returns bank statements and a valid government issued ID. Florida lenders also require proof of homeowners insurance and a property appraisal. Self employed borrowers may need additional profit and loss statements.