Helping homebuyers across Florida buy homes with confidence, without the stress.


Hi, I'm Cindy Hunt, a mortgage loan officer based in St. Pete Beach, FL, helping clients navigate the home financing process with clarity and confidence for over 33 years.


I specialize in working with all homebuyers, including Veterans, first-time homebuyers, luxury buyers, etc. offering tailored loan solutions and a smooth, transparent experience from start to finish.  
Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like FHA, VA, Conventional, Jumbo, Non-QM, Bank statement, self-employed, DSCR, Investment, Florida Condos, No Ratio, Non-warrantable condo, First Time Homebuyer, Down Payment Assistance, Florida Bond, City of St Petersburg Downpayment Assistance, and more!  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- I am reliable and accountable, with fast responses, always available, knowledgeable, and a problem solver. My financial background helps buyers with complex solutions. I keep the stress off the agents with a simple process and troubleshoot any issues upfront with solid pre-approvals. My Team and I are dialed for seamless transactions. We put the buyer and their agent first.  
- I have a no excuse attitude, and driven to deliver excellent customer service. I am friendly and easy to talk to, with a positive attitude. Fast responses, solid advice, I listen and prepare all parties with realistic expectations. Always available for your questions.  
- Excelling at fast closings, easy process, condos, self employed, VA Home Loans, and VA Condos


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.  
What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.  
How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped clients in the below Florida cities secure financing for homes ranging from all prices and property types and I'm proud to be a trusted resource for both buyers and local real estate agents.


Saint Petersburg, Saint Pete Beach, Seminole, Dunedin, Largo, Pinellas County, Treasure Island, Madeira Beach, Oldsmar, Palm Harbor, Gulfport, Tampa, Clearwater, St Petersburg, Ellington, Indian Rocks Beach, Redington Shores, Redington Beach, Sarasota, Brandon, Belleair, East Lake, Wesley Chapel, Port Richey Holiday, Odessa, Land O' Lakes, Hudson, Crystal River, Dade City, Trinity, Siesta Key, North Port, Venice, Palmetto, Bayshore Gardens, Cortez, Anna Maria, Palmetto, Manatee County, Pasco County, Polk County, Lakeland, Bartow, Lake Wales, Lakewood Ranch, Indian Shores, Kenneth City, Pinellas Park, South Pasadena, Tarpon Springs, Long Boat Key, Fort Myers, Deland, Deltona, Daytona.


Check out my client reviews below to see what it's like to work together. My clients say I am professional, communicative, helpful, pleasant, experienced, attentive, honest, responsive, provide great rates and great service and efficient.


When I'm not helping clients, you'll find me as a proud Florida native who has deep appreciation for our beautiful coastlines and a passion for marine conservation. Outside of work I enjoy sailing, boating, fishing and diving. I support animal rescue and foster homeless pets. I am a proud mother of 2 college kids who inspire me everyday. I do my part to support local businesses and community efforts to support the homeless and low income children in our community.


I believe this business is about relationships—and being someone people can rely on long after closing.  
If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

VP of Mortgage Lending

With 31 years of experience, Cindy makes the process easy and stress free. Our digital streamline process allows fast approvals and faster closings. We make it easy! EZ smooth process.

If you are looking for refinancing solutions call to get a free analysis. We will do the math to make sure you are meeting your goals and answer your questions.

If you are looking to purchase Florida real estate, Cindy will get you a solid pre-approval within 24 hours or less.

Guaranteed Rate Affinity has a full range of mortgage programs, and Cindy is easy to reach with two locations in Pinellas. She is in constant communication with a no excuses commitment to delivering a smooth, stress-free process.

Cindy's favorite part of the business is when clients tell her they couldn't imagine getting their homes without her. Whether it's a first-time homebuyer or veteran, a single-family home or a condo, clients come away from their homebuying experience with great appreciation for her expertise and professionalism.

Her local knowledge gives clients the value-added benefit of having reliable resources, which is key to financing Florida real estate. She coordinates with real estate agents and other industry professionals to help reduce costs and ensure a quick, efficient close.

Cindy Hunt at Guaranteed Rate Affinity (NMLS #368336)

Saint Pete Beach

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1 Loan Officer Saint Pete Beach, FL