Tristan Pearrow, Florida Mortgage Pro

A smiling man with short dark hair, facial hair, wearing a light gray sweater, sitting in a brown armchair with a bookshelf filled with books behind him.

I’m Tristan Pearrow, a 4th generation Sunshine State native and dedicated mortgage loan officer. I hail from St. Augustine, the Nation’s Oldest City, and studied at the University of Central Florida and the University of North Florida where I earned my Bachelors Degree. I currently live in St. Augustine with my two rescue dogs and cat.

Whether you’re purchasing your first home, upgrading to accommodate an expanding family, building your real estate portfolio - or refinancing to obtain more favorable terms or remodeling funds, I’ll ensure your best interests are at the heart of the loan solution I’ll choose for you. From application through closing and every step along the way, you’ll be confident in my truly simple, transparent and award-winning process. I understand how important my clients loans are - and I am not satisfied until you are delighted with the process.

What People Are Saying

  • Rob C.

    “

    Tristan helped me get approved for my first home in no time. We were clear to close two weeks in advance and the transaction went extremely well thanks to him.

    ”

  • Maggie D.

    “

    I definitely recommend Tristan to help you purchase a home, especially if you’re a first time home buyer. His communication is great, and he takes the time to help you with your loan process.

    ”

  • Kentia A.

    “

    I would recommend Tristan to any of my friends and family. Very helpful when you you call him always answer his phone and takes time to explain everything. Thank you so much!

    ”

  • Jeff B.

    “

    Tristan is by FARRR the most out going, responsive person I have ever dealt with. Every single step of the way he was there to inform, give scenarios and answer questions. This was the smoothest transaction I have ever had and will make sure to go out of my way to recommend him and your company to everyone I have the opportunity to.

    ”

Schedule Your Mortgage Chat with Tristan

Get one on one guidance from Florida’s top mortgage pro. Strategic guidance tailored to your goals, with your best interest at heart.

30-min Mortgage chat

  • Credit score requirements vary by loan program. Some options are available with lower scores, and others focus more on overall financial profile than a single number.

    We have solutions even for low score or no score borrowers, and resources to improve your score fast when needed.

  • In many cases, we do not charge any lender origination fee. Fees can vary depending on the loan program and scenario, but we’re always transparent upfront so there are no surprises.

  • We combine the best of both worlds. We operate as a direct lender while offering the same loan programs and flexibility people associate with brokers.

    That means underwriting and processing are handled in-house, so you get better communication and faster decisions, without the layered broker points and fees that can come with some brokers.

  • Yes. There are loan programs designed for self-employed and 1099 borrowers that don’t rely solely on traditional tax returns.

  • Down payment requirements depend on the loan program. Some options allow for 0% down or low down payments, and we have assistance programs available for qualified buyers which in many cases eliminate the need for a downpayment.

  • Most transactions take 2–4 weeks once under contract, though timelines can vary depending on the loan type and how quickly documentation is provided.

  • A denial doesn’t always mean there are no options. Different lenders and programs have different guidelines, and a second look often changes the outcome. We never turn someone away just because they were denied elsewhere.

  • Yes. Many investors trust us as a long-term financing partner. We have many loan programs that are ideal for investors.

  • Yes. In most cases, gift funds from family are allowed. We can help guide you in the best way to receive and use gift funds.

  • Yes, we have many options available for first time home buyers.

Frequently Asked Questions