Katrina Zumkley | Mortgage Originator in Pinellas County, FL

Florida Mortgage Loan Expert | First-Time Homebuyers, Physician Loans, Construction, Non-QM & Renovation Financing

About

A bright, organized home office desk representing mortgage planning, with a sleek silver laptop open to a graph-filled dashboard, a stack of neatly arranged paper documents with visible charts and bar graphs, and a simple metal pen resting on a legal pad. A small model of a modern Florida-style house sits beside a ceramic planter with a healthy green plant. Soft daylight filters in from a nearby window, casting clean, diagonal light across the wood-grain desktop and creating subtle, professional shadows. Photographic realism, captured from a slightly elevated angle with moderate depth of field, clean and modern aesthetic. The mood is focused, expert, and reassuring, perfect for explaining mortgage options and loan strategies.

Katrina Zumkley, Mortgage Originator in Pinellas County, Florida

Katrina Zumkley is a Mortgage Originator with CrossCountry Mortgage, serving homebuyers, homeowners, real estate agents, and referral partners throughout St. Petersburg, Largo, Clearwater, Seminole, Pinellas County, and across Florida.

NMLS#: 2790288
Phone: (727) 598-2105
Company: CrossCountry Mortgage
Service Areas: St. Petersburg, Largo, Clearwater, Seminole, Pinellas County, Tampa Bay, and Florida

Katrina helps clients understand their mortgage options with clear communication, practical guidance, and a strong focus on finding the right loan program for each borrower’s situation. Whether you are buying your first home, purchasing a manufactured home, refinancing, using a doctor loan, exploring renovation financing, or looking for flexible Non-QM mortgage options, Katrina works to make the process easier to understand from start to finish.

Mortgage Services and Specialties

Katrina Zumkley assists clients with a variety of mortgage loan options, including:

  • First-time homebuyer loans
  • FHA loans
  • Conventional loans
  • VA loans
  • USDA loans
  • Doctor loans and physician mortgage programs
  • Mobile home and manufactured home financing
  • Construction loans
  • Renovation loans
  • FHA 203(k) loans
  • HomeStyle renovation loans
  • HELOC options
  • Refinance loans
  • Cash-out refinance options
  • Non-QM loans
  • Bank statement loans
  • DSCR investor loans
  • Self-employed borrower mortgage options
  • Low-credit mortgage solutions
  • Florida down payment assistance programs

Local Mortgage Guidance in Pinellas County

Buying or refinancing a home in Florida can feel overwhelming, especially when every borrower’s income, credit, down payment, and property type are different. Katrina focuses on helping clients compare realistic options, understand the next steps, and prepare for the mortgage process with confidence.

She works with buyers and homeowners throughout St. Petersburg, Largo, Clearwater, Seminole, Pinellas County, and the greater Tampa Bay area.

Who Katrina Helps

Katrina works with:

  • First-time homebuyers
  • Repeat homebuyers
  • Realtors and referral partners
  • Self-employed borrowers
  • Real estate investors
  • Veterans and active-duty military buyers
  • Doctors, residents, and medical professionals
  • Buyers interested in manufactured or mobile homes
  • Homeowners considering refinancing or renovation financing

Contact Katrina Zumkley

If you are looking for a mortgage originator in St. Petersburg, Largo, Clearwater, Seminole, Pinellas County, or anywhere in Florida, Katrina Zumkley can help you review your options and take the next step.

Katrina Zumkley
Mortgage Originator | CrossCountry Mortgage
NMLS#: 2790288
Phone: (727) 598-2105

About

As a Florida-based Non-QM mortgage expert and first-time homebuyer specialist, I use years of lending experience and deep local insight to craft flexible loan options that fit real budgets and complex income situations.

Meet Katrina
A tastefully renovated open-plan living room and kitchen in a mid-range Florida home, showcasing the results of renovation financing. The living area features light wood-look tile flooring, a soft gray sectional sofa, and a simple white coffee table with a small stack of design magazines. The kitchen beyond has white shaker cabinets, quartz countertops, and a subtle subway tile backsplash. Recessed ceiling lights combine with diffuse daylight from a large unseen window, creating even, inviting illumination and soft reflections on the countertops. Photographic realism, shot from one corner to capture depth, with clean lines and a balanced composition. The mood is comfortable, polished, and aspirational, supporting articles about renovation loans and adding value to a home.

Reviews

A detailed close-up of a modern Florida coastal home under construction, featuring exposed concrete block walls, neatly stacked roof trusses, and scaffolding surrounding the structure. In the foreground, rolled blueprints are spread on a sturdy plywood work surface next to a yellow tape measure and neatly arranged construction materials. The ground is a mix of compacted sand and gravel, with tire tracks leading toward the house. Warm late-afternoon sunlight creates long, defined shadows across the site, highlighting texture in the concrete, wood, and sand. Photographic realism, wide-angle composition with sharp focus, conveying progress and possibility. The mood is ambitious and forward-looking, ideal for content about construction loans and building a custom home in Florida.

Aya Nakamura

Katrina turned our self-employment tax returns and bank statements into an approval when other Florida lenders said no—professional, patient, and transparent.

A bright, organized home office desk representing mortgage planning, with a sleek silver laptop open to a graph-filled dashboard, a stack of neatly arranged paper documents with visible charts and bar graphs, and a simple metal pen resting on a legal pad. A small model of a modern Florida-style house sits beside a ceramic planter with a healthy green plant. Soft daylight filters in from a nearby window, casting clean, diagonal light across the wood-grain desktop and creating subtle, professional shadows. Photographic realism, captured from a slightly elevated angle with moderate depth of field, clean and modern aesthetic. The mood is focused, expert, and reassuring, perfect for explaining mortgage options and loan strategies.

Mateo García

As a first-time buyer doctor relocating to Florida, Katrina explained my physician loan options clearly and closed on time despite my hectic schedule.