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Sandy Chinchar

Clearwater Mortgage Owner
Company NMLS# 921372 | MLO NMLS# 290298

We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you. 

Call us today at 727-259-2900 or email

Apply Now

Clearwater Mortgage

Hundreds of 5 Star on-line reviews.

What you get when you call Clearwater Mortgage: 

-A real, and experienced person in a local office that you can easily access, whether in person or on the phone

-An easy to find office with plenty of parking a few steps away from our door

- Out of the box programs for those that need them

-Someone who is in there pitching for you and won't give up!

-Competitive interest rates from a caring loan officer who will match you with the best program and lender for your needs. Since we have access to ALL programs we guide you to what's best for YOU.

-SERVICE!! We will quickly get the job done! 

- We can usually match or  beat interest rates and fees from the local banks. If we can't, we will say so.  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 Reverse Mortgages.

Give us a call at 727-259-2900 or email for a no-obligation consultation with one of our mortgage experts.


Need to Refinance?

Clearwater Mortgage is 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.

Considering refinancing, but you're not sure if the time is right or not? Give us a call at 727-259-2900 or email for a no-obligation consultation with one of our mortgage experts.

Refinancing Options