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Affordable Mortgage Brokers in Saint Petersburg, FL
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As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Saint Petersburg, FL by verified customer ratings and review volume. The highest-rated is Gateway Capital Mortgage with a 4.9-star rating from 293 verified reviews. Also in the top tier: Homeowners Financial Group and John Lee at Homeowners Financial Group USA, LLC. The average rating across all listed mortgage brokers in Saint Petersburg is 5 stars from 86 reviews per business on average.
Mortgage brokers in Saint Petersburg: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
86
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Gateway Capital Mortgage
11 Beach Dr SE, St. Petersburg, FL 33701, USA
Homeowners Financial Group
150 2nd Ave N #730, St. Petersburg, FL 33701, USA
John Lee at Homeowners Financial Group USA, LLC
150 2nd Ave N #730, St. Petersburg, FL 33701, USA
Mortgage Brokers Rankings in Saint Petersburg, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Gateway Capital Mortgage11 Beach Dr SE, St. Petersburg, FL 33701, USA | 4.9★ | 293 |
| #2 | Homeowners Financial Group150 2nd Ave N #730, St. Petersburg, FL 33701, USA | 5.0★ | 157 |
| #3 | John Lee at Homeowners Financial Group USA, LLC150 2nd Ave N #730, St. Petersburg, FL 33701, USA | 4.9★ | 44 |
| #4 | Custom Rate Mortgage360 Central Ave Suite 470, St. Petersburg, FL 33701, USA | 5.0★ | 117 |
| #5 | Ric Del Vizo - Residential/Commercial Lending and Real Estate I The Del Vizo Group I MVRK Capital I Jay Alan Real Estate136 4th St N, St. Petersburg, FL 33701, USA | 5.0★ | 12 |
| #6 | Creative 1st Mortgage447 3rd Ave N Suite 210, St. Petersburg, FL 33701, USA | 5.0★ | 126 |
| #7 | Marlin Mortgage Capital646 2nd Ave S, St. Petersburg, FL 33701, USA | 4.8★ | 73 |
| #8 | Help Me BA740 4th St N #102, St. Petersburg, FL 33701, USA | 5.0★ | 25 |
| #9 | Creative Mortgage Lenders2411 4th St N, St. Petersburg, FL 33704, USA | 5.0★ | 21 |
| #10 | Team Stapleton Home Loans LLC3035 5th Ave N, St. Petersburg, FL 33713, USA | 5.0★ | 99 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Saint Petersburg
Custom Rate Mortgage
360 Central Ave Suite 470, St. Petersburg, FL 33701, USA
Ric Del Vizo - Residential/Commercial Lending and Real Estate I The Del Vizo Group I MVRK Capital I Jay Alan Real Estate
136 4th St N, St. Petersburg, FL 33701, USA
Creative 1st Mortgage
447 3rd Ave N Suite 210, St. Petersburg, FL 33701, USA
Marlin Mortgage Capital
646 2nd Ave S, St. Petersburg, FL 33701, USA
Help Me BA
740 4th St N #102, St. Petersburg, FL 33701, USA
Creative Mortgage Lenders
2411 4th St N, St. Petersburg, FL 33704, USA
Team Stapleton Home Loans LLC
3035 5th Ave N, St. Petersburg, FL 33713, USA
Epic Mortgage
3843 Shore Acres Blvd NE, St. Petersburg, FL 33703, USA
Savvy Mortgage Lending: Tracie Mayo, Mortgage Broker
3833 Central Ave, St. Petersburg, FL 33713, USA
911 MORTGAGE - "Fast Funding To The Rescue!"
4180 Central Ave Suite #1, St. Petersburg, FL 33711, USA
The Mortgage Firm
9600 Koger Blvd N #208, St. Petersburg, FL 33702, USA
Waterstone Mortgage Corporation
6798 Crosswinds Dr N Suite C-104, St. Petersburg, FL 33710, USA
BD Mortgage Group LLC
9800 4th St N #200, St. Petersburg, FL 33702, USA
Affordable Home Mortgage - Florida
5901 Sun Blvd, St. Petersburg, FL 33715, USA
Superior Mortgage Solutions
4590 Ulmerton Rd #104, Clearwater, FL 33762, USA
Get Fast Lending: Robert Harris, Mortgage Broker
6933 Greenbrier Dr, Seminole, FL 33777, USA
Sean Moore - VanDyk Mortgage Corporation
14141 46th St N STE 1201 Suite 1213, Clearwater, FL 33762, USA
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Frequently Asked Questions — Mortgage Brokers in Saint Petersburg
What does a mortgage broker do differently than going directly to a bank in Saint Petersburg?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Saint Petersburg?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in FL?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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