Clearwater Mortgage Broker.
Clearwater is home base. I live and work here, and I know the difference financing a beachside condo makes versus an inland single-family home. Real local context, not a national call center.
Clearwater-specific mortgage thinking.
Insurance reality
Florida homeowners insurance has shifted. We model real, current premiums in your estimate.
Flood zone planning
Flood insurance can change the payment meaningfully. We check zones early.
Condo warrantability
Not every Clearwater Beach building qualifies for every loan type — we screen up front.
VA buyers welcome
Strong fit for Coast Guard Air Station Clearwater service members and veterans.
Clearwater buyer assistance — official resources
A short list of official city, county, and state housing resources that can be helpful for buyers exploring assistance options.
Down payment assistance programs are subject to eligibility requirements, funding availability, income limits, purchase price limits, property location rules, and program guidelines. Program details can change, so confirm current requirements before relying on any assistance option.
- City of Clearwater — Economic Development & Housing (opens in a new tab) City
Official City of Clearwater housing and assistance programs.
- Pinellas County — Housing & Community Development (opens in a new tab) County
Pinellas County housing assistance and homebuyer programs.
- Florida Housing — Homebuyer programs (opens in a new tab) State
Statewide first-mortgage and down payment assistance options.
These links go to third-party websites that are not operated by Gherrel Pinkham or Edge Home Finance, LLC. They are shared for general information only and should not be relied on as legal, tax, or financial advice.
Clearwater mortgage questions.
Buying or refinancing in Clearwater?
Quick conversation, real answers, no pressure.