Bonita Springs, Estero and Naples mortgages for second homes and condos
Gated golf communities, coastal condos and seasonal homes fill the southern end of Lee County and Naples. We finance primary homes, second homes and rentals here, with the condo, club and occupancy details handled up front.
Can I get a second‑home mortgage in Bonita Springs or Naples?
Yes. A second home you use yourself part of the year qualifies under second-home guidelines, usually with a larger down payment than a primary home and better terms than an investment property loan. If you plan to rent the home out most of the year, it is financed as an investment property instead, which can include DSCR loans. In condo and gated communities we also check building approvals, rental rules and community or club fees before you make an offer.
Talk it through with a licensed loan officer. No credit pull to ask questions. NMLS # 226100.
- Nearest office
- 1325 SE 47th St Ste F-4, Cape Coral, FL 33904
- Loan programs
- Conventional and second home, 1099 and bank statement, DSCR and investment, hard money, renovation and refinance
- Property types
- Condos, gated and golf community homes, villas, single-family homes and seasonal rentals
- Local details we plan for
- Occupancy type, condo approvals and reserves, rental restrictions, HOA, CDD and club fees, flood and wind insurance
- Licensing
- Company NMLS # 2371310 · Loan Officer NMLS # 226100
Financing from Bonita Beach to Naples
Each community has its own rules and costs. We read the fine print on the property before you commit.
- Bonita Springs
- Beach-area condos, homes along the Imperial River and gated golf communities. Flood zone and condo reserves carry extra weight near the coast.
- Estero
- Master-planned and gated communities around the village. HOA, CDD and club membership fees belong in the payment estimate.
- North Naples
- Golf and country club communities, villas and single-family homes in Collier County. Community rules can limit rentals.
- Naples condos and coastal homes
- High-rise and low-rise condos plus homes near the Gulf. Building approvals, inspections and insurance decide which loans work.
What makes loans here different
Second homes, condos and gated communities each bring their own checks. We handle them before you make an offer.
Occupancy type
Primary home, second home or investment property changes your down payment, rate and program. We match the loan to how you will use the home.
Condo approvals and reserves
Florida's condo safety laws require structural inspections and funded reserves. We review the building's budget and approvals early.
Community and club fees
HOA dues, CDD assessments and mandatory club memberships all count in your monthly payment and qualification.
From first call to closing, step by step
Tell us your plans
How you will use the home, your budget and your timeline, including seasonal plans.
Get pre-approved
Apply securely online, even from out of state, and get a letter agents trust.
Check the community
We review condo approvals, rental rules, fees and insurance on the homes you like.
Close from anywhere
We coordinate with your agent, title company and insurer, including remote closing options when available.
Bonita Springs, Estero and Naples mortgage questions
Straight answers. If yours isn't here, call or send it through the form below.
What is the difference between a second-home loan and an investment property loan?
A second home is one you use yourself part of the year and don't rent out full-time. It usually needs less down and gets better pricing than an investment property. A home rented out most of the year is financed as an investment property, which can include DSCR loans.
Can I rent out my Bonita Springs or Naples condo?
It depends on the community. Many condo and HOA associations set minimum rental periods or limit how often you can rent. We check the rules before you buy, because they also affect which loan fits.
How do Florida's condo safety laws affect my mortgage?
Many Florida condo buildings now need milestone structural inspections and fully funded reserves. Buildings with deferred repairs or low reserves can face special assessments and may not qualify for some loans.
Do club membership fees count toward my mortgage qualification?
Mandatory community and club fees count as part of your monthly housing cost, the same as HOA dues and CDD assessments, so they affect how much you can borrow.
Can I buy a Southwest Florida home while I still live out of state?
Yes. You can apply securely online, and we coordinate with your agent, title company and insurance agent by phone and email through closing.
Do you lend in Collier County as well as Lee County?
Yes. We are based in Cape Coral and lend in Bonita Springs and Estero in Lee County and in Naples in Collier County.
Get a Bonita Springs, Estero or Naples quote
Tell us about the home and how you plan to use it. We will come back with options, a payment estimate and cash to close.
- Phone
- (239) 634-6685
- Serving
- Cape Coral, Fort Myers and Southwest Florida
- NMLS
- Company 2371310 · Loan Officer 226100
