Clearwater, FL
Your Clearwater, FL mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Clearwater — clear guidance from pre-approval through closing.
What financing a Clearwater home really takes.
Clearwater is a barrier-island beach city within the Tampa Bay metro, drawing layered demand from retirees, vacation-home buyers, and year-round residents; Pinellas County is bounded by water on three sides, permanently limiting supply, and Florida’s no-income-tax status is a persistent pull.
That market shapes the loan. In Pinellas County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Clearwater purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and second-home options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Clearwater from the ground up — close to Clearwater Beach and Pier 60. We finance homes across Clearwater Beach, Island Estates, Countryside, and Harbor Oaks — and every other corner of Clearwater. Looking for a mortgage broker near you in Clearwater? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Clearwater market knowledge
Near Clearwater Beach and Pier 60, across Clearwater Beach, Island Estates, Countryside — we know Clearwater's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Clearwater buyers often start with conventional, second-home, retirement lending — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Clearwater file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Clearwater loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Clearwater, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
The right Clearwater loan for your situation.
For Clearwater we lean on conventional, second-home, retirement lending through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Clearwater, we also help buyers in Largo, Pinellas Park, St. Petersburg. See all Florida cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Clearwater, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Clearwater office.
Clearwater mortgage questions, answered.
What's the 2026 conforming loan limit in Clearwater?
In Pinellas County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Clearwater?
Most Clearwater buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Clearwater neighborhoods do you serve?
We serve buyers across Clearwater, including Clearwater Beach, Island Estates, Countryside. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Clearwater, FL?
Yes. We help Clearwater homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate FL financing for you.
Do you serve areas near Clearwater?
Yes — we also work with buyers in nearby Largo, Pinellas Park, St. Petersburg. Same process, local loan-limit details for each.
Let's finance your Clearwater home.
Talk to the owner directly. We'll map the right loan for your Clearwater home and put lenders in competition for it.