St. Petersburg Mortgage Solutions – Flexible Loans for Every Budget!

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Money Street Mortgage: Your Trusted Local Lender in St. Pete

Looking to buy your dream home in St. Petersburg? Whether you want a historic bungalow in Old Northeast, a waterfront condo in Snell Isle, or an investment property in the up-and-coming Midtown district, Money Street Mortgage offers flexible loan solutions tailored to your needs and budget.

Why St. Petersburg Homebuyers Choose Us 

Pinellas County Experts

  • Deep knowledge of all St. Pete neighborhoods

  • Specialists in coastal properties and flood zones

  • Understand local market trends and home values

Fast, Flexible Approvals

  • Pre-approvals in 24 hours or less

  • Loans for all credit profiles (580-800+)

  • Special programs for self-employed buyers

Budget-Friendly Options

  • Low down payment programs (as little as 0% down)

  • Competitive rates that beat big banks

  • No hidden fees – honest pricing

St. Pete-Specific Loan Programs

1. First-Time Homebuyer Solutions

  • FHA loans (3.5% down)

  • Pinellas County down payment assistance

  • Special credit counseling for new buyers

2. Conventional Mortgage Options

  • Competitive rates for buyers with good credit

  • Low PMI options

  • Jumbo loans for luxury properties

3. VA & Military Benefits

  • 0% down payment for active duty and veterans

  • No mortgage insurance required

  • Flexible credit requirements

4. Investor & Airbnb Financing

  • Rental property loans

  • Short-term vacation rental financing

  • Fix-and-flip rehab loans

5. St. Pete Condo Loans

  • Special approval for downtown high-rises

  • Waterfront condo expertise

  • New construction financing

6. Refinance Solutions

  • Lower your rate or monthly payment

  • Cash-out for home improvements

  • Debt consolidation options

Today’s St. Petersburg Mortgage Rates

Primary Residence Loans
30-Year Fixed: 5.99% (APR 6.12%)
FHA 30-Year: 5.75% (APR 5.95%)
VA 30-Year: 5.50% (APR 5.70%)

Investment Properties
Rental 30-Year: 6.50% (APR 6.75%)
Fix-and-Flip: 7.25% (APR 7.50%)

Lock in your rate for 90 days!

Our Simple 4-Step Process

  1. Quick Pre-Approval – Online application takes minutes

  2. Home Search – Work with our trusted local Realtor partners

  3. Loan Processing – Dedicated loan officer guides you

  4. Fast Closing – Average 21 days from contract to keys

What St. Pete Clients Say

“Money Street helped me buy my first home in Historic Kenwood. Their first-time buyer program made it possible!” – Michael T.

“As a veteran, I appreciated their VA loan expertise. Closed on my Snell Isle home in just 3 weeks!” – Sarah K.

“Best lender for investors! They’ve financed 4 of my St. Pete rental properties.” – David R.

Get Started Today

Apply Online in Minutes
Simple, secure digital application

Call Our St. Pete Office
727-545-5626

Visit Our Downtown Location
123 Central Avenue, Suite 456
St. Petersburg, FL 33701

St. Petersburg Mortgage FAQs

Q: What credit score do I need to buy in St. Pete?
A: As low as 580 for FHA, 620 for conventional, and no minimum for VA loans.

Q: How much are closing costs in Pinellas County?
A: Typically 2-5% of loan amount. We provide exact estimates upfront.

Q: Can I buy a home with Airbnb income?
A: Yes! We offer special short-term rental financing programs.

Your St. Petersburg Mortgage Experts

At Money Street Mortgage, we’re proud to help St. Pete residents with:

  • The most competitive rates in Pinellas County

  • Flexible loan options for every budget

  • Local expertise you can trust

Don’t wait – St. Petersburg’s hot market won’t last forever! Get pre-approved today.