St. Petersburg, FL
St. Petersburg, FL financing that matches St. Petersburg prices.
From jumbo to move-up money, St. Petersburg loans get built around real St. Petersburg price tags — Downtown St. Pete included, template excluded.
Can Choice Home Mortgage help me buy a home in St. Petersburg, FL?
Yes. Choice Home Mortgage helps St. Petersburg buyers and homeowners through licensed partner brokers who handle the Florida licensing, while we coordinate the St. Petersburg file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For 2026, a one-unit St. Petersburg home can carry a conforming loan of up to $832,750, the Pinellas County limit FHFA sets, and we check where your St. Petersburg price falls before you write an offer. The whole process runs by phone and online.
St. Petersburg home loans, the honest version.
St. Petersburg has grown into a younger, urban-oriented city with strong arts and tech sectors, supporting demand in its walkable historic neighborhoods and waterfront areas.
That St. Petersburg market shapes the loan. In Pinellas County, a St. Petersburg one-unit purchase conforms up to 2026’s $832,750 baseline for St. Petersburg files. Since typical St. Petersburg prices stay under $832,750, a St. Petersburg buyer keeps conventional, FHA, and first-time-buyer all in play. St. Petersburg sits above the national norm as a price tier. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
249,000-plus residents make St. Petersburg home — across Downtown St. Pete, Historic Kenwood, and between — with Pinellas Park and Largo nearby. St. Petersburg isn’t an abstraction to us — we know it down to the St. Pete waterfront and Dalí Museum. Downtown St. Pete, Historic Old Northeast, Grand Central District, and Historic Kenwood — we finance homes in each of them, and everywhere else St. Petersburg reaches. “Mortgage broker near me” in St. Petersburg usually means the closest office — we skip the office and bring St. Petersburg-level help by phone and online instead. We work 73 cities across Florida; St. Petersburg gets the same discipline as all of them — verify the St. Petersburg numbers, then shop the loan.
One file, many lenders, St. Petersburg terms.
St. Petersburg, block by block
Near the St. Pete waterfront and Dalí Museum, across Downtown St. Pete, Historic Old Northeast, Grand Central District — we know how St. Petersburg prices and programs actually work.
Built for St. Petersburg price tags
St. Petersburg price tags run past the national norm, and the St. Petersburg financing — conventional, jumbo for waterfront, FHA — is sized to match.
Many lenders, one file
St. Petersburg buyers bring us one file; we bring it to a market of lenders, and the competition does the rest.
Direct to the owner
Esther Buede, the owner, coordinates your St. Petersburg loan start to finish; our Google reviews show St. Petersburg buyers why that matters.
Your St. Petersburg loan, one owner's desk.
In St. Petersburg, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Historic Old Northeast to every part of St. Petersburg. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Your St. Petersburg file decides the loan.
Around the St. Pete waterfront and Dalí Museum, conventional remains the workhorse of St. Petersburg lending. Conventional, jumbo for waterfront, FHA carry most of our St. Petersburg work (via our licensed partner-broker network) — and beyond those, St. Petersburg buyers get the full menu: FHA, VA, conventional, and non-QM. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — start your application here or call (949) 522-7310.
St. Petersburg files here lean on conventional, jumbo for waterfront, FHA.
Not every St. Petersburg file fits a W-2 box — 1099 and business-owner borrowers can qualify on 1099 income, and St. Petersburg investors can lean on asset-based qualifying. The full Pinellas County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
Beyond St. Petersburg itself, Pinellas Park, Largo, Clearwater buyers work with us the same way. More Florida cities we work in →
For St. Petersburg, FL: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. St. Petersburg is served remotely — we keep no office there.
St. Petersburg questions we hear most.
How much can St. Petersburg buyers borrow and stay conforming?
$832,750 is the 2026 conforming limit for a single-family home in St. Petersburg, based on FHFA's figure for Pinellas County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Pinellas County can borrow up to $1,066,250 and stay conforming.
How do St. Petersburg buyers finance above the conforming limit?
St. Petersburg buyers who need more than $832,750 (the 2026 Pinellas County limit) use a jumbo loan, or put more down so the loan stays under it. A larger down payment can bring the loan back under $832,750 so it stays conforming. A licensed partner broker originates the loan while we compare those options across many lenders.
Does it matter where in St. Petersburg I'm buying?
No, not for the financing: we finance homes anywhere in St. Petersburg, including Downtown St. Pete, Historic Old Northeast, Grand Central District and Historic Kenwood. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby.
Are you set up to arrange loans in St. Petersburg, FL?
Yes. St. Petersburg loans are arranged through licensed partner brokers in Florida, with Choice Home Mortgage coordinating the file. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near St. Petersburg?
Yes. Besides St. Petersburg, we also arrange loans in Pinellas Park, Largo and Clearwater through licensed partner brokers. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a St. Petersburg file.
What does the mortgage process look like from St. Petersburg?
From St. Petersburg, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. Licensed partner brokers cover the Florida licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Beyond St. Petersburg: nearby cities we work
Make the St. Petersburg move.
One call with the owner — local, honest, no pressure. We'll match the program to your St. Petersburg purchase and shop lenders for your St. Petersburg file.