St. Petersburg, FL
St. Petersburg, FL home loans, built for St. Petersburg's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around St. Petersburg's price points — not a one-size template.
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 market shapes the loan. In Pinellas County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most St. Petersburg purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and jumbo for waterfront options on the table. Limits per FHFA 2026; verify your scenario with us.
We work St. Petersburg from the ground up — close to the St. Pete waterfront and Dalí Museum. We finance homes across Downtown St. Pete, Historic Old Northeast, Grand Central District, and Historic Kenwood — and every other corner of St. Petersburg. Looking for a mortgage broker near you in St. Petersburg? 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.
St. Petersburg market knowledge
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.
Move-up & jumbo ready
St. Petersburg runs above the national norm — we structure conventional, jumbo for waterfront, FHA financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your St. Petersburg file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your St. Petersburg loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In St. Petersburg, 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 →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Matched to your St. Petersburg purchase, not a template.
For St. Petersburg we lean on conventional, jumbo for waterfront, FHA 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 St. Petersburg, we also help buyers in Pinellas Park, Largo, Clearwater. See all Florida cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps St. Petersburg, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a St. Petersburg office.
St. Petersburg mortgage questions, answered.
What's the 2026 conforming loan limit in St. Petersburg?
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.
Do I need a jumbo loan to buy in St. Petersburg?
Not always. Many St. Petersburg homes can be financed with high-balance conforming loans up to $832,750 before a true jumbo is needed. We'll tell you which fits your price point.
Which St. Petersburg neighborhoods do you serve?
We serve buyers across St. Petersburg, including Downtown St. Pete, Historic Old Northeast, Grand Central District. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in St. Petersburg, FL?
Yes. We help St. Petersburg 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 St. Petersburg?
Yes — we also work with buyers in nearby Pinellas Park, Largo, Clearwater. Same process, local loan-limit details for each.
Let's finance your St. Petersburg home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your St. Petersburg purchase and shop the lenders for you.