Clearwater Mortgage is a family-owned and operated company. We've been in business for over 20 years, and you can see by our reviews that we have an excellent reputation.

Besides traditional loans, we also offer hard money loans. 


We Need Private Investors

Are you a private investor looking for high returns? If so, let us know. 

We're currently looking for experienced investors. 



Contact our owner, Sandy Chinchar.

Phone 727-259-2900

Email: Sandy@ClearwaterMortgage.com


Local Lending - Local Expertise 

We like to inspect the property personally. Because of that, we lend in the following counties: 

Pinellas County

Hillsborough County

Hernando County

Pasco County


Hard Money 's High Return

The average return on your money is 10%.

We have borrowers who want to purchase single-family and up to 4 units to renovate and flip or rent out. 

We receive calls from borrowers every day who are looking to borrow money.

And although they aren't candidates for conventional financing, a hard money loan is a viable option for all parties. 

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