Clearwater Beach · Sand Key · Belleair · Island Estates

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Clearwater anchors the Pinellas beach market — award-winning Clearwater Beach, a revitalizing downtown along Cleveland Street, and steady demand from retirees, snowbirds, and primary buyers. Coastal property here means insurance and flood-zone math matter as much as the rate. Whether you're financing a Sand Key condo, a Belleair primary, or your first home near Downtown Clearwater, Nick shops 100+ wholesale lenders to find the right program for your specific deal.

Serving: Clearwater Beach · Sand Key · Belleair · Island Estates · Downtown Clearwater · Old Clearwater · Cleveland Street District

Clearwater, Florida

Common Questions

Clearwater Mortgage FAQ

What is the conforming loan limit in Pinellas County for 2025? +
The 2025 conforming loan limit for Pinellas County is $806,500 for a single-family home. Loans above this threshold require a jumbo mortgage.
Can I finance a Clearwater Beach condo with an FHA loan? +
It depends on the condo's FHA approval status. Nick can check the FHA condo approval registry quickly — many Clearwater Beach buildings are approved, but some require non-warrantable financing.
What is the FHA loan limit in Pinellas County? +
The 2025 FHA loan limit for a single-family home in Pinellas County is $524,225. FHA loans require as little as 3.5% down with a 580+ credit score.
Do you work with vacation rental buyers in Clearwater Beach? +
Yes — DSCR loans are well-suited for Clearwater Beach vacation rentals given the strong seasonal rental market. Properties qualify based on rental income rather than personal income.
How long does it take to close in Clearwater? +
A typical purchase closes in 21–30 days with conventional financing. DSCR investment loans can close in as few as 14–21 days. Jumbo loans may take 30–45 days.

Programs Available in Clearwater

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s required. Clearwater Beach's STR market supports strong DSCR ratios.
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Jumbo Loans
Financing above $806,500 for Clearwater Beach waterfront and Pinellas County luxury properties.
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FHA Loans
3.5% down with a 580+ credit score. FHA loan limit in Pinellas County is $524,225.
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