Business Details
Your Trusted Mortgage Partner in Clearwater, FL
At Money Street Mortgage, we prioritize our clients' needs by offering tailored mortgage solutions and exceptional service. Our team of seasoned professionals brings decades of combined experience to the table, ensuring clients receive expert guidance throughout the loan process. We specialize in securing competitive rates by leveraging relationships with over 300 lenders, making us a trusted partner for homebuyers, refinancers, and investors. Our streamlined process, averaging just 22 days from start to finish, reflects our commitment to efficiency and transparency. We focus on building long-term relationships rather than one-time transactions, as evidenced by our 98% client satisfaction rate.Whether you're a first-time homebuyer or a seasoned investor, our personalized approach ensures you receive the best financing options available. Our dedication to continuous education and industry innovation keeps us at the forefront of mortgage services in Clearwater and beyond. Clients consistently praise our responsiveness, with 24/7 availability for urgent inquiries. Our proven track record of saving clients up to $8,000 compared to traditional brokers demonstrates our value proposition. We maintain strict compliance with all regulatory standards while fostering a culture of integrity and client advocacy.
Services
Fixed Rate Mortgage
Adjustable Rate Mortgage
VA Loans
FHA Loans
USDA Loans
Jumbo Loans
Hard Money Loans
Refinancing
Home Equity Loans
Investor Mortgages
Highlights and features
- Average loan closing in under 25 days
- Compare rates across 300+ lenders
- In-house staff with 30+ years mortgage experience
- Save up to $8,000 vs traditional brokers
- 98% client satisfaction rate since 2015
Associations and certifications
- NMLS ID #158087
What people say
Fast closings
Knowledgeable team
Excellent customer service
Transparent process
Personalized guidance
Services
Fixed Rate Mortgage
Our fixed-rate mortgages offer consistent monthly payments with locked-in interest rates for loan terms ranging from 10 to 30 years. Ideal for homebuyers seeking long-term financial predictability, these loans protect against market fluctuations. Our specialists help determine optimal term lengths based on individual financial goals and credit profiles.
VA Loans
Specialized mortgage programs for eligible veterans and service members offering zero down payment options and competitive rates. We guide applicants through VA-specific requirements and documentation with dedicated support from certified loan officers. Our streamlined process maintains compliance with Department of Veterans Affairs regulations while maximizing benefits.
Refinancing
Mortgage refinancing solutions to reduce monthly payments, shorten loan terms, or access home equity. Our team analyzes current market conditions and client financial situations to determine optimal refinancing timing. We offer cash-out refinancing and streamline options for qualified applicants seeking improved loan terms.
Investor Mortgages
Tailored financing for real estate investors purchasing single-family homes, multi-unit properties, or commercial spaces. We provide portfolio loan options with flexible underwriting criteria and competitive rates for investors with multiple properties. Our specialists understand investment property cash flow requirements and debt-service ratios.
USDA Loans
Zero down payment mortgage programs for low-to-moderate income borrowers in designated rural areas. Our USDA-certified loan officers assist with property eligibility verification and income qualification requirements. We offer specialized guidance for first-time homebuyers accessing these government-backed loans with reduced mortgage insurance premiums.
People
Jim Lathrop
Owner
With over 20 years in mortgage banking, Jim Lathrop established Money Street Mortgage to provide ethical, client-focused financing solutions. His expertise in alternative lending programs helps clients achieve homeownership when traditional avenues fail. Jim maintains active NMLS certification and regularly contributes to mortgage industry publications.
Questions
How quickly can you close a mortgage loan?
Our average closing time is 22 days from application, with expedited options available for qualified borrowers needing faster timelines.
What loan programs do you offer?
We provide conventional, FHA, VA, USDA, jumbo, hard money, and investment property loans with terms from 10-30 years.
How do you get better rates than other brokers?
By comparing offers across 300+ lenders, we secure rates up to 0.5% lower than industry averages while maintaining strict quality controls.
Do you offer online application options?
Yes, our secure portal allows document submission and status tracking, though we recommend initial consultations with our loan specialists.
What credit score do you need for approval?
We work with clients across all credit tiers, typically requiring minimum scores of 620 for conventional loans and 580 for FHA programs.
Can you help with investment property financing?
Yes, we specialize in investor mortgages with portfolio loan options for clients with multiple properties or unique income structures.
