Jordan Vreeland
Licensed Mortgage Broker · NMLS #795404
St. Pete's market moves faster than it looks, and its condo inventory requires a lender who knows the difference between a warrantable building and a deal-killer. We've closed loans in as few as 5 days. 1,400+ five-star reviews. $93M funded in 2025.
St. Petersburg has transformed over the past decade into one of Florida's most desirable places to live. Downtown's Central Avenue corridor, the waterfront along Tampa Bay, and walkable neighborhoods like Historic Kenwood, Old Northeast, and Shore Acres attract a range of buyers: young professionals moving down from northern cities, retirees looking to downsize into a walkable lifestyle, and remote workers who want coastal access without Miami prices.
The condo market is a significant part of St. Pete's inventory, particularly downtown and along the waterfront. That creates the same financing challenge you'd see in Miami: many buildings have restrictions on investor ownership or pending legal matters that make them non-warrantable for conventional loans. Knowing which buildings qualify for standard financing before you make an offer is something we handle as part of the pre-approval process, not as an afterthought.
St. Pete also draws a notable number of 55+ buyers and retirees, and the city's housing stock ranges from historic bungalows and craftsman homes in Kenwood to modern condos in downtown and waterfront properties in Shore Acres and Tierra Verde. Each situation has a different loan structure that fits best. See our guide to Florida mortgage solutions for a full picture of what's available statewide.
14 Days To Close serves buyers across Pinellas County: St. Petersburg, Gulfport, Pinellas Park, Largo, Clearwater, Seminole, Treasure Island, St. Pete Beach, and surrounding communities. We're licensed throughout Florida and in most states nationwide (excluding NY).
First-time buyers in South St. Pete, condo buyers downtown, retirees in Shore Acres, veterans in Pinellas Park: St. Pete's buyer mix is diverse, and the right loan depends on your situation, not on what's easiest to process.
Competitive rates, no upfront mortgage insurance, and the loan type that sellers and listing agents in St. Pete's competitive neighborhoods expect to see. Warrantable condo financing available for eligible downtown buildings.
Down payments as low as 3.5% with more flexible credit requirements. Strong option for first-time buyers in south St. Pete and Pinellas Park. FHA condo approvals available for qualified buildings throughout the city.
No down payment. No monthly mortgage insurance. St. Pete's proximity to MacDill Air Force Base and NAS Pensacola makes VA loans a relevant program for many Pinellas County buyers. One of the strongest benefits available to eligible veterans.
For homeowners 62 and older who want to access home equity, eliminate a mortgage payment, or purchase a new home without a monthly payment. St. Pete attracts a significant retiree population, and reverse mortgage options are worth exploring for qualified buyers.
Shore Acres, Tierra Verde, and waterfront properties in Old Northeast regularly exceed the conventional loan limit. Jumbo financing covers purchases above $766,550 with rates and terms that don't require sacrificing service quality.
St. Pete property values have risen considerably. Many homeowners have equity they haven't tapped. We run the refinance math before you commit, including cash-out options, rate-and-term analysis, and break-even timelines.
We check building warrantability before you go under contract. Know your options before you make the offer.
The St. Pete Purchase Assistance Program is one of the most generous local down payment programs in Florida, and it's forgivable. That means if you stay in the home for the required period, you don't pay it back. Most buyers we work with have never heard of it, which means most buyers are leaving real money on the table. Here's what's currently available:
Forgivable assistance for eligible homebuyers purchasing within the City of St. Petersburg. Income limits and property location eligibility apply. This is one of the highest local DPA amounts available anywhere in Florida. We verify eligibility during your pre-approval consult at no cost.
Program terms can change. We confirm current eligibility during your pre-approval: no obligation, no runaround. See our Florida down payment assistance guide for all programs available statewide.
Jordan Vreeland and the 14 Days To Close team are based in Tampa Bay, which means St. Pete isn't a distant market we service from afar. We know the Pinellas County inventory, the condo buildings that present financing challenges, and the pace at which competitive waterfront listings move. When you're under contract on a Shore Acres home or a downtown condo, we're not learning the market alongside you.
The DU Approval process is a core part of how we give clients a competitive edge. Desktop Underwriter (DU) approval before you're under contract means your file has already passed Fannie Mae's automated underwriting review. In a market where sellers weigh offer strength carefully, that matters. Most buyers skip this step. Our clients don't.
We're available 24/7: nights, weekends, and holidays. St. Pete's real estate market doesn't pause for the weekend. If a waterfront listing comes up on Saturday morning and you need pre-approval confirmation, you'll have it.
1,400+ five-star reviews on Google from buyers across Tampa Bay and Florida. Here's a sample.
"Jordan and his team were excellent throughout the whole process. He was available to answer questions at all hours and made sure we understood each step. We closed faster than expected and could not be more grateful."
"Be ready to close in 14 days. They'll keep you on track and make sure, from set up to tours, to get it done. I personally have never received this type of service... They live by their name! Great team!!"
Individual results may vary. Closing timelines depend on factors including appraisal, title, inspection, and borrower circumstances. 14 Days To Close does not guarantee a specific closing date.
Get pre-approved today and find out if you qualify for St. Pete's $75,000 forgivable assistance program. We'll tell you exactly where you stand, and what it takes to move fast in this market. No waiting, no runaround.