Hi, I am an 49 years old, entreprenuer, black american upward bound business women. I went through 2 marriages, always the stronger force, got the picture? That being said, it is very difficult to get loan! I was finally ready to buy a house and was ready to do whatever it took to get it. I shopped through a couple of hot shot lending companies attached to different realtors. They came up void with empty promises. I called Clearwater Mortgage and I knew from our initial conversation that we will be doing business together. Scott Chinchar made me feel so comfortable about presenting my file which was less than perfect. Clearwater Mortgage handled me with so much respect and they belived in me when it looked very grim. They ran my file tirelessly with different lenders until we got a approval. They treated me as if it was a million dollar deal that they were trying to get. Dedication with the same motivation. I know for a fact that Clearwater is the best Mortgage Company in the State of Florida. They are the upmost professional, hard working, positive, personable, persistant and so pleasant to work with. Bottom Line "THEY HAVE THE RIGHT MORTGAGE CONNECTION LINES" than any company I've seen. Trust me, I know. . If Clearwater Mortgage had public stock, I would be the first to invest. Nobody is better and my interest rate was prime, unheard of with my situation. Scott and his assistant Gilma and office, which is the team beneath his wings made it happen for me. I have a beautiful 2700 sq. ft. house with a pool and diving board. Yeah! Clearwater Mortgage made the impossible happen for me as a first time home buyer and I have so much love and appreciation for what they did for me and my family. I recommend them 200% percent. If it can be done, they can do it. If it CAN"T be done they still can do it! In my business, I do the impossible, that's why I can recognize another company that does the same.This is a true heartfelt review. Stellar all the way! Thank you Scott, Gilma and the Clearwater Mortgage family as a whole. I appreciate you, and there is more business to come in the future. Happy homeowner Best Client Ever Cohen Energy read more

I was referred to Clearwater Mortgage by several of my friends. I choose to use them after using another mortgage brokers who was (after 45 days) unable to get my loan processes. I would recommend Clearwater Morgage to everyone!!!! They are an amazing group of people who truly CARE! With their exceedingly high level of professionalism, they were able to get our loan through fast. They also worked us into their busy schedule as we were on a very short timeline. They were in excellent communication with us and with all of the parties the entire time through the process. I honestly can say how thankful my family and I are for their dedication and help. If you are looking for the best, they are it!!! Now, one year later, I have referred numerous friends to Clearwater Mortgage and will be continuing to as they prove themselves over and over to be the best in their field. read more

was beyond impressed with Clearwater Mortgage! The professional yet personal experience with them was amazing. They completely removed the anxiety and stress from the entire process of home buying. Our last experience was not easy. This was very different. We sent the docunents requested once. They were handled and processed properly with only one additional request from the lender. Gilma, Scott and Amy are a fantastic team. We were informed and updated on every step throughout the process. The couple of times I did have a question they were always available with answers and happy to help. They even found us a better loan with bonus points and still no delays! I kept waiting for the bomb to drop and things to get ugly but it never did! We in fact ended up closing sooner than our intitial date! Thank you Clearwater Mortgage team!! read more

I have owned several homes in my life but it had been a while since I bought a new home. I didn't know how much the loan process had changed since my last home. I went through a year of frustration with several loan brokers and Real Estate agents that steered me in many incorrect different directions that I cost me time and money. I needed a Professional that knew the game and that would honestly steer me in the right direction so that I could actually achieve my goal of owning another home. I found this with the Clearwater Mortgage team and Scott Chinchar. It was still not an easy process but this team helped me resolve each step in a very professional and efficient way and I am now the owner of my new home! Thank you again Scott, Gilma and Amy....You're the best! read more

I want to say thank you to Sandy, Gilma and Gigi for their excellent help refinancing our mortgage. Right from the start I knew they would do their very best to give us excellent service and a great result with the refinance. First off, they secured a great rate which will save us a lot of money over the life of the loan. The team was always available by phone or in person to answer any questions and guide us through the various actions that needed to be done. The whole process was done in a very professional, knowledgeable and efficient manner. Clearwater Mortgage is an experienced and trustworthy mortgage company. Thank you! read more

HI Scott, The service we received from you was EXCEPTIONAL! You are a pleasure to deal with and was looking forward to having you down to our new house. After we moved in, we immediately had the entire kitchen and baths remodeled, plus other things, and then within one month decided that we didn't like it there and wanted to go back to the condo complex we were renting in. So we sold the house, bought a condo back where we were and completely remodeled that! It has been a full year! We are finally done everything and are now looking to do a lot of traveling in our retirement. Thanks again for everything. Dana and Terry read more

Here's the review you submitted: Our Experience with Clearwater Mortgage was excellent. The process that seemed confused and almost impossible to face; was carried out in a very fast and professional way. For us as a couple was way easier and pleasant than we had imagined. Every question ( even after the closing) was promptly answered by the Clearwater mortgage team. We really recommend this company since it was efficient and helpful. Besides as was mentioned they made the Mortgage application very easy and understandable for us. Henry and Susanne read more

I recently moved to the area and it can be a challenge to know which local businesses provide quality service. So, I turned to Google and came across Clearwater Mortgage. After reading their very favorable reviews, I decided to call them to discuss a mortgage. Now that I've gone thru the process and recently closed on my home, I can emphatically recommend Clearwater Mortgage. They were extremely helpful, professional and kept me informed timely throughout the process. No regrets, call them! read more

Awesome! Amazing! What else can I say?! Scott, Amy and Gilma were fantastic to work with! I would highly recommend Clearwater Mortgage to anyone seeking a home loan. They will take excellent care of you. My case was very complex but Scott was able to get me the absolute best deal with a great lender. Gilma and Amy were great about keeping me updated and informed every step of the way! I am ecstatic to have closed on my new home! Thank you, Clearwater Mortgage Team!! You guys ROCK!!!! read more

I had a really great experience with Clearwater Mortgage. Scott was excellent in helping me get my loan preapproved and explaining to me the intricacies of it. Once it came time to actually close Gilma and Amy were beyond helpful. I had a lot of questions and they guided me through every step. There were some hiccups on the sellers side and they helped them get that all sorted all while keeping me up to date. The whole team really made buying a house a smooth and easy experience. Thanks! read more

My wife and I had a fantastic experience with Clearwater mortgage. We did not have the easiest cycle with myself being self employed and my wife working part time. Scott worked with us very patiently and with a lot of care. He helped us figure out the best way to get our loan and helped make it happen quickly. We both admired the way he didn't have any idea that it wouldn't be possible. It was never a question of "if" but of "how". Absolutely recommend working with Clearwater mortgage! read more

I know Scott and the work that Clearwater Mortgage have done with several friend in the community, so when it was time to apply for a mortgage to purchase our first house going to Scott and his team was the obvious choice. We have trying to request a mortgage before and we never had a good experience. Scott work with us and answered all our question. Scott and his team guided us through the whole process and it is thanks to them that we are now proud first time home buyer!!! read more

Fantastic, exemplary service from start to finish - Scott and his team at Clearwater Mortgage were consummate professionals and went above and beyond to not only get our loan funded but got us an amazing interest rate saving us $$$$'s. They kept us informed every step of the way and provided very clear and concise communications. Scott, Gilma and Amy are an absolute pleasure to work with and I wouldn't hesitate to recommend them to anyone looking for a house loan. read more

We refinanced our rental properties using Clearwater Mortgage in 2021. They did a great job find a lender that would work with us. We are self employed and just started a new business early 2021. Our credit was just ok and we still had an old bankruptcy from 2011. We were very happy with the team working there. They got all 5 properties refinanced at a lower rate. We will definitely use them again for our Mortgage needs. Sincerely, Karen and Garth read more

Scotty and his team did an excellent job with a mortgage for our family, on a principal residence. The process was simple, easy, smooth, and quick. Amy and Gilma are always terrific. I have done business with Scotty before, and he is my "go-to" lender. He has an excellent, professional team. The communication is always good - no waiting to get a question answered. Thank you for another competently executed loan by the Clearwater Mortgage team! read more

The staff was very helpful and accommodating always answered my questions quickly. They worked with us when we had to cancel a contract and start over due to a possible settlement issue on our first contract. They did not get the paperwork until June 5 and we closed early on June 30!!!!! This was a tremendous help since we were able to get into our new house before the July 4 weekend. Highly recommend! read more

I cannot say enough about the team at Clearwater Mortgage!! They were with me every step of the way, Jo Anna and Amy were super responsive to every question or concern I had, they put my mind at ease and worked diligently with a "can do" attitude. True professionals and I will never go anywhere else for my future mortgage needs. BD read more

We had a great experience with Clearwater Mortgage. They were there for us every step of the way and got our home closed in 30 days. They answered all questions promptly, and never got frustrated at my many questions. I highly recommend them for your home buying needs. Thank you so much Scott, Gilma, and Amy!!! read more

Scott, Amy and Gilma went up and above their call to duty!! We had several issues to conquer and all of them were resolved with patience and professionalism. They put many hours into obtaining the right loan for us , and worked with us every step of the way. Customer service at its finest. Thank you again ! read more