Business Details
Your Trusted Mortgage Partner in Clearwater, FL
At Money Street Mortgage, we prioritize delivering competitive mortgage solutions tailored to individual client needs. With over 30 years of combined experience in the mortgage industry, our team specializes in streamlining the loan process to ensure efficiency and transparency. We offer access to more than 300 lenders, enabling us to secure the lowest available rates for fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, and hard money loans. Our commitment to personalized service ensures clients receive expert guidance throughout the mortgage journey, from pre-approval to closing. We pride ourselves on fast loan processing, with average closings completed in under 25 days, and have helped clients save up to $8,000 compared to traditional brokers.Our focus on relationships over transactions has earned us a reputation for exceptional customer service, as evidenced by numerous client testimonials praising our responsiveness and expertise. We serve first-time homebuyers, investors, and current homeowners across Florida, offering refinancing, home equity, and investment loan options. Our dedication to continuous education and client satisfaction positions us as a trusted partner in achieving homeownership goals.
Services
Fixed Rate Mortgage
Adjustable Rate Mortgage
Federal Housing Administration Loans
Veterans Affairs Loans
USDA Home Loans
Jumbo Loans
Hard Money Loans
Refinancing
Home Equity Loans
Investment Property Financing
Highlights and features
- Average loan closings completed in under 25 days
- Compare rates across 300+ lenders for lowest available rates
- Offer FHA, VA, USDA, and conventional loan programs
- In-house staff with 30+ years of combined mortgage experience
- Personalized service focused on client relationships over transactions
Associations and certifications
- NMLS ID #158087
What people say
Knowledgeable staff
Fast loan processing
Personalized service
Competitive rates
Exceptional support
Services
Fixed Rate Mortgage
Fixed-rate mortgages provide stable monthly payments with consistent interest rates throughout the loan term. Ideal for long-term homeowners seeking predictable budgeting, these loans protect against market fluctuations. Money Street Mortgage offers competitive fixed-rate options with terms ranging from 15 to 30 years.
Adjustable Rate Mortgage
Adjustable-rate mortgages feature initial fixed-rate periods followed by periodic rate adjustments tied to market indexes. Suitable for borrowers planning shorter ownership periods, these loans often start with lower rates than fixed-rate alternatives. We provide clear disclosures about adjustment timelines and caps.
Federal Housing Administration Loans
FHA loans offer low down payment requirements and flexible credit standards for first-time buyers. Backed by the Federal Housing Administration, these mortgages require mortgage insurance premiums. Our team specializes in helping clients meet FHA qualification criteria efficiently.
Veterans Affairs Loans
VA loans provide zero-down payment options for eligible veterans and service members. These mortgages require no private mortgage insurance and offer competitive rates. We assist clients in verifying eligibility and maximizing benefits through the VA loan program.
USDA Home Loans
USDA loans offer 100% financing for homes in designated rural areas. These mortgages require no down payment and include favorable mortgage insurance rates. We help clients determine property eligibility and complete USDA loan applications with streamlined documentation.
People
Jim Lathrop
Owner
With over 30 years of mortgage industry experience, Jim Lathrop leads Money Street Mortgage's commitment to personalized service. Known for fast loan closings and client-focused solutions, he has built long-term relationships with borrowers across Florida.
Charles
Mortgage Advisor
Charles specializes in guiding clients through complex mortgage processes, offering expert advice on loan options. His knowledge of FHA, VA, and conventional programs has helped numerous first-time buyers achieve homeownership.
Questions
How quickly can Money Street Mortgage process a loan?
Our average loan closing time is under 25 days, with some transactions completed in as few as 14 days.
What loan types does Money Street Mortgage offer?
We provide fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, hard money, and refinancing options for residential and investment properties.
Do you serve first-time homebuyers?
Yes, we specialize in guiding first-time buyers through the mortgage process with personalized pre-approval and competitive rate options.
How does Money Street Mortgage find the lowest rates?
We compare offers from over 300 lenders to secure the most competitive rates and terms for each client's specific needs.
What areas do you service?
We serve clients across Florida, including Miami, Orlando, Tampa Bay, Jacksonville, and surrounding regions.
