Scott Chinchar - Founder

Sandy Chinchar

Company NMLS# 921372 | MLO NMLS# 290298

Clearwater Mortgage

Our ideal customer is one who is looking for a loan to purchase or refinance real estate. We are happy to answer all of your questions in regards to obtaining a home loan. We love to help and we try to make the loan process simple, and communicate in a way that doesn't further confuse you.

Call us today at 727-259-2900 or email

Contact the Nicest Mortgage Guys Ever

Apply For A Loan

You can take your time and complete the application at your own pace. You can even access your bank statements while you are in the application! Try it. See how quickly it speeds up your loan process with a lot less effort on your part.

Mortgage Pre-Approval

When you’re ready to start shopping for a home, it’s essential to get pre-approved first. That way, you’ll know exactly how much house you can shop for. We make the process quick and easy. Once you're pre-approved, the fun begins. Call us today at 727-259-2900.

The Home Loan Process

The mortgage loan process can be confusing. It’s just not something you do everyday. No matter what your circumstances are, we’re here to help you. We make the process simple and explain every step along the way. Call us today at 727-259-2900.

Clearwater Mortgage

Hundreds of 5 Star on-line reviews.

We are very good at answering your questions, matching your needs up with the best We are a mortgage broker, approved with over 20 different lenders to offer a wide variety of programs for borrowers. We know which lender will be a good fit for your situation without you having to apply over and over until you find a lender that is a good fit for you. Apply once and let us do the work for you. We can usually match or even beat interest rates and fees from the local banks. We can help first time home buyers, we have access to down-payment assistance programs, we do FHA, VA, Conventional, Jumbo, Condo's, private loans, and loans that are out of the box such as bank statements. We have programs with 100% financing, 1% down, 3% down, 3.5% down, 5% down etc. Each has its own qualification needs.

Give us a call at 727-259-2900 or email


Need to Refinance?

We're here to help.

We can help you select the loan program that's best for your situation and show you how to pay the least amount of interest over the loan term.

Whether you just want to reduce your monthly payments, consolidate debts, or pull cash out for a kitchen remodel, we’re here to go over your options.

We offer conventional, FHA, and VA refinancing. If you have an FHA loan and want to get rid of your private mortgage insurance, we can look at getting you into a conventional home loan.

Call us today at 727-259-2900 or email

Refinancing Options