St. Petersburg Mortgage Broker.
St. Pete has one of the most distinctive housing mixes in Tampa Bay — downtown condos, historic bungalows, and waterfront homes. Each one calls for a different mortgage approach. I work across all of it.
St. Petersburg-specific mortgage thinking.
Condo screening
Warrantability, HOA financials, and VA approval — checked early for downtown buyers.
Historic homes
Wind mitigation, roof age, and insurance modeling for older neighborhoods.
Insurance reality
Current Pinellas County premiums baked into your numbers up front.
Waterfront context
Flood zones and elevation factor into the true cost of ownership.
St. Petersburg 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 St. Petersburg — Housing (opens in a new tab) City
Official City of St. Petersburg housing 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 DPA 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.
St. Petersburg mortgage questions.
Buying or refinancing in St. Petersburg?
Quick conversation, real answers, no pressure.