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Now Lending in St. Petersburg

St. Petersburg home loans —
the Sunshine City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across St. Petersburg and Pinellas County. From historic bungalows in the Old Northeast to waterfront homes on Snell Isle and downtown condos, we bring local guidance to the Sunshine City — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Tampa Bay
Pinellas County Coverage
14 days*
Close In As Little As
$832,750
2026 Pinellas County Conforming Limit
5.0 ★
Google Review Rating
St. Petersburg Markets

Local lending across
every St. Petersburg neighborhood.

St. Petersburg Neighborhoods

A thriving arts downtown, historic districts, and waterfront enclaves.

  • Old Northeast & Crescent Lake
  • Downtown & the Pier District
  • Snell Isle & Shore Acres
  • Historic Kenwood & Gulfport area
Waterfront & Arts

A walkable, culture-rich Gulf market near award-winning beaches.

  • Waterfront & condo financing
  • Historic-district purchases
  • Pinellas County coverage
  • Minutes to the Gulf beaches & PIE
Every Kind of St. Pete Buyer

From first homes to move-up, waterfront, and investor purchases.

  • First-time & move-up buyers
  • Condos, townhomes & new construction
  • Jumbo financing for waterfront luxury
  • Investment & rental properties (DSCR)
Old NortheastDowntownSnell IsleShore AcresCrescent LakeHistoric KenwoodGulfportTierra VerdeAllendale
Loan Programs in St. Petersburg

Financing for every
kind of St. Petersburg buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time St. Petersburg homebuyers.

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VA Loans

0% down for St. Petersburg's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for St. Petersburg's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your St. Petersburg investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for St. Petersburg's self-employed borrowers.

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FAQ

St. Petersburg mortgage
questions answered.

We serve homebuyers and homeowners throughout St. Petersburg and Pinellas County, including the Old Northeast, downtown, Snell Isle, Shore Acres, and Historic Kenwood, plus nearby Gulfport and the beaches.
The 2026 conforming loan limit is $832,750 in Pinellas County, including St. Petersburg. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's waterfront and higher-priced homes.
St. Petersburg borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your St. Petersburg home journey?

Get pre-approved today — no cost, no obligation. St. Petersburg borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825