Mortgage Broker in Pinellas County, FL

Your Pinellas County Mortgage Lender — Home Loans, Refinancing & Pre-Approvals

Local expertise. Statewide reach. Every loan program available.

Down Payment Assistance Programs in Pinellas County

Pinellas County (St. Petersburg/Clearwater area) offers substantial DPA. Combined with state programs, eligible buyers can access up to $185,000+ in assistance.

County Program: Pinellas County DPA

Assistance: Up to $75,000
Type: Interest-free deferred loan
Income limits: Individual ≤$58,450; Family of 4 ≤$83,450
Status: Reopened December 1, 2025 — currently accepting applications

City of St. Petersburg Purchase Assistance

Assistance: 20% of purchase price + $5,000 closing costs (up to $75,000)
Type: 0% interest secondary mortgage — 100% forgiven after 10 years for buyers at or below 80% AMI
Current status: Limited funding — prioritizing designated populations, not accepting citywide applications currently

Statewide Programs Available in Pinellas County

Hometown Heroes: Up to $35,000 — 0% deferred loan for eligible workers
FL Assist: Up to $10,000 — 0% deferred second mortgage
Salute Our Soldiers: Up to $35,000 — for veterans and active military

Pinellas County DPA Stacking Example

Hometown Heroes: $35,000 (state)
Pinellas County DPA: $75,000 (county)
St. Petersburg Purchase Assistance: $75,000 (city — when available)
Total potential assistance: up to $185,000

Stacking eligibility varies. Contact me for current program status.

Conforming Loan Limits

The 2026 conforming loan limit for Pinellas County is $832,750 for a single-family home. Loans up to this amount qualify for conventional financing with competitive rates. Borrowers needing more can explore jumbo loan options.

Cities We Serve in Pinellas County

We provide mortgage services throughout Pinellas County including St. Petersburg, Clearwater, Largo, Dunedin, Palm Harbor, Tarpon Springs, Seminole, Safety Harbor.

Home Loans in Pinellas County

Looking for a mortgage lender who serves Pinellas County? 1st Capital Group provides expert mortgage guidance to homebuyers and homeowners across Pinellas County and all of Florida. Whether you’re purchasing your first home, upgrading, or refinancing, we’ll find the right loan program and maximize your savings.

Loan Programs Available

Conventional Loans — As little as 3% down for qualified buyers
FHA Loans — Low down payment, flexible credit requirements
VA Loans — Zero down payment for eligible veterans and service members
USDA Loans — Zero down payment in eligible rural areas
Foreign National Loans — Financing for non-U.S. citizens
DSCR Loans — Investment property loans based on rental income