The Pier · Snell Isle · Old Northeast

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St. Petersburg's downtown revival and Tampa-spillover demand have kept this one of the busiest sub-markets on Florida's Gulf Coast. From historic homes in Old Northeast to condo waterfront on Coquina Key, Nick lines up rate options across FHA, VA, conventional, and DSCR programs — useful when one bank can't make your numbers work.

Serving: Snell Isle · Old Northeast · Downtown · Coquina Key · Tierra Verde · Pasadena · Allendale

St. Petersburg, Florida

Common Questions

St. Petersburg Mortgage FAQ

What is the conforming loan limit in St. Petersburg / Pinellas County? +
The 2025 conforming loan limit for Pinellas County is $806,500. Loans above this threshold require a jumbo mortgage with different qualification requirements.
Are there jumbo loans available for St. Pete luxury properties? +
Yes — jumbo loan programs starting at $806,501 are available with typically 10–20% down and a 700+ credit score. Nick works with multiple wholesale jumbo lenders to find competitive rates.
Can I get an FHA loan for a St. Petersburg condo? +
It depends on the building's FHA approval status. Nick checks the FHA condo registry to confirm eligibility. Many St. Pete condos are approved; others require conventional or non-warrantable financing.
Do you work with buyers in Grand Central, Historic Kenwood, and Old Northeast? +
Yes — all of St. Petersburg and Pinellas County, including historic neighborhoods, waterfront properties, and downtown condo buildings.
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.

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