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Opening Doors to Home Ownership

Lerette Lending is your #1 Source for Pinellas County home loans. We proudly serve Florida families offering great rates and exceptional service. GET APPROVED IN AS LITTLE AS 1 DAY!

Buying a Home

Buying a home is easily one of the largest financial decisions in one's lifetime. Whether you are a first time home buyer or a seasoned investor, we offer fantastic home loan rates while providing you with an easy and stress-free experience. Check out our process and home loan options along with other cool tools to help you with your next home purchase.



Whether you are looking to simply put more money towards retirement, pay off high-interest debt, or make home improvements, we offer a solution to fit your needs and personalize your options to make sure you are getting the best refinance home loan option for you. Let us show you a personalized side-by-side comparison of refinancing options to fit your families needs.



Whether you are looking to simply put more money towards retirement, pay off high-interest debt, or make home improvements, we offer a solution to fit your needs and personalize your options to make sure you are getting the best refinance home loan option for you. Let us show you a personalized side-by-side comparison of refinancing options to fit your families needs.


Fast & Easy Application Process

  • Complete Our Easy Online Application

    Our easy online application usually can be completed within 15 minutes.

  • Review & Upload Requested Supporting Documents

    Our intelligent online application will generate a list of requested supporting documents based on your answers on your application where you can view and upload to our secure borrower portal.

  • Find the Perfect Home

    With your pre-approval letter in hand and the help of your Realtor, it's time to find your future home and negotiate the purchase agreement. No Realtor, no problem! We work with the industries best and happy to provide you with a referral!

  • Loan Processing

    Once successfully under contract, we finish processing of your loan including ordering appraisals, title, and homeowners insurance and clear through the underwriting process.

  • Close on Your New Home

    It's Closing Time! Usually within 7-14 days, from start to finish, you're closing on your new home!

Ready to Get Started?

Why Lerette Lending?

Great Rates

Great Rates

We match you with loan programs to fit your needs while providing you with great rates.

Exceptional Service

Exceptional Service

We strive to provide the highest level of service in the industry.

Fast & Easy Loan Process

Fast & Easy Loan Process

Equipped with the latest technology, we have raised the bar for service and streamlined the loan process. Close in as little as 7 Days!

What Our Clients are Saying...

Amazing Lender

I am so thankful I had Josh. He helped me through a difficult issue with my finances and did a great job. I suggest everyone use Josh. He is diligent and will keep in constant contact with you. I am very blessed that a client of mine used Josh a couple of years ago. His communication is the best in the business!

Mindy Artze

Not Your Average Lender

Josh and his team went above and beyond for us. The process was as smooth as possible with our situation. I will definitely recommend his highly professional and friendly services to my friends and family!

Xaphet - Saint Petersburg, FL

A deal full of Surprises

Josh and his team picked up the pieces from another lenders disaster and got us to the finish line. Every obstacle that could get in the way got in the way but Josh and the Carrington team got it done and I am typing this from my new home. (more…)

Josh is AMAZING. Talk about someone that is responsive and listens to your needs!

I was originally pre-qualified for a conventional loan through my out-of-state credit union when I had an offer accepted on my dream home. But, because they didn't take the time to understand my situation, my business (I am self-employed) and my needs, the underwriter denied my loan. I had two weeks left until I had to close! I could of easily lost the house. Thankfully, I found Josh. From day one he answered ALL of my questions and I ask A LOT. He was patient, hard working and truly has your best interest at heart. I would recommend him 100%

Teresa Mandala - Saint Petersburg, FL

Ready to Get Started?

Get a Customized Rate Quote Today

Latest News and Information

Five Market Factors That Influence Mortgage Rates

Timing the market for the best possible opportunity to lock a mortgage rate on a new loan is certainly a challenge, even for the professionals. While there are several generic interest rate trend indicators online, the difference between what’s advertised…

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Source of Down Payment – Making Sure Your Cash To Close Comes From The Proper Source

Providing proper asset documentation and the actual source of the funds is a critical element of the loan closing process. There’s nothing worse in a real estate purchase than making it all the way through the hoops and hurdles just…

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Talk the Talk – Know the Mortgage Lingo at Closing

Many borrowers go through the mortgage process in a haze, nodding, smiling, and signing through a bunch of noise that sounds like Greek. Even though you may have put your trust in your real estate and mortgage team, it helps…

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Five Myths About Home Values

During periods of economic growth, when home values are typically just going up, most homeowners do not question appraisals much. And in times of turmoil when property values are declining, home sellers and even listing agents quite often question and pick…

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What’s The Difference Between Interest Rate and Annual Percentage Rate (APR)?

The difference between APR and the actual note rate is very confusing, especially for First-Time Home Buyers who haven’t been through the entire closing process before. When shopping for a new mortgage loan, you may notice an Annual Percentage Rate…

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Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?

Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate…

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What You Need To Know About The Home Inspection Process

Congratulations on finding a house! You now have only a few days from when you signed the purchase and sales agreement to have a home inspection. Chances are your real estate agent made the offer contingent upon a satisfactorily home inspection…

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What Do Appraisers Look For When Determining A Property’s Value?

Most people are surprised to learn what appraisers actually look at when determining the value of a real estate property. A common misconception homeowners generally have is that the value of their home is determined after the appraiser has completed…

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Where Does My Earnest Money Go?

Hey, I gave my real estate agent a $5000 Earnest Money Deposit check… Where does that money go? A basic and very obvious question that most First-Time home Buyers ask once their purchase contract gets accepted. According to Wikipedia: Earnest…

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Renting vs Buying A Home

Buying a home versus renting is a big decision that takes careful consideration. While there are several biased sources that can make arguments for or against owning a home, we’ve found that most home buyers base their ultimate decision on…

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Updated on 2019-06-28T09:34:26-04:00, by Joshua Lerette.