Cape Coral mortgages from a broker based in the Cape
Our office is on SE 47th Street in Cape Coral. We finance canal homes, Gulf-access properties, new construction and vacation rentals across the city, and we know the local costs that change what you can afford.
Why use a Cape Coral mortgage broker?
A local Cape Coral mortgage broker compares loan programs from multiple lenders and builds Cape Coral's real costs into your numbers: flood and wind insurance, seawall and roof condition, utility assessments and HOA or CDD fees. That matters here because two homes at the same price can have very different monthly payments. We help first-time buyers, self-employed owners, retirees, second-home buyers and investors, and you work with the same person from first call to closing.
Talk it through with a licensed loan officer. No credit pull to ask questions. NMLS # 226100.
- Office
- 1325 SE 47th St Ste F-4, Cape Coral, FL 33904
- Loan programs
- FHA, conventional, 1099 and bank statement, DSCR and investment, hard money, renovation and refinance
- Property types
- Canal and Gulf-access homes, dry-lot homes, new construction, condos, duplexes and vacation rentals
- Local costs we plan for
- Flood and wind insurance, seawalls, roof age, utility assessments, HOA and CDD fees
- Licensing
- Company NMLS # 2371310 · Loan Officer NMLS # 226100
Financing across every part of the Cape
Each quadrant of Cape Coral has its own mix of homes and costs. We plan the loan around the property, not just the price.
- Southwest Cape
- Gulf-access canals, waterfront homes and the Cape Harbour and Tarpon Point areas. Flood insurance and seawall condition carry extra weight here.
- Southeast Cape
- The oldest, most established part of the city, close to the Cape Coral Parkway and downtown. Older homes may need a closer look at roofs and updates.
- Northwest Cape
- Newer construction and larger lots, with areas still being connected to city water and sewer. Utility assessments can add to your annual costs.
- Northeast Cape
- Newer homes at more accessible prices, popular with first-time buyers using FHA and conventional loans.
Costs that change a Cape Coral payment
We price these in before you make an offer, so the payment you plan for is the payment you get.
Flood zones and insurance
Much of Cape Coral sits in FEMA flood zones, and flood and wind premiums vary widely from street to street. We get real quotes early.
Seawalls and canals
Waterfront homes come with seawalls, docks and lifts. Their condition affects inspections, insurance and sometimes the appraisal.
Utility assessments
In parts of the city still receiving water and sewer service, utility extension assessments can be paid upfront or over time. We include them in your numbers.
From first call to closing, step by step
Call or stop by
Talk to us by phone or visit the office on SE 47th Street.
Get pre-approved
Apply securely online and get a letter local agents and sellers trust.
Shop with real numbers
We check insurance, flood zone, assessments and HOA fees on the homes you like.
Close locally
We coordinate with your agent, title company and insurer through closing day.
Cape Coral mortgage questions, answered
Straight answers. If yours isn't here, call or send it through the form below.
Where is your Cape Coral office?
Edison Mortgage Professionals is at 1325 SE 47th St Ste F-4, Cape Coral, FL 33904. Call (239) 634-6685 before you stop by so the right person is there to help.
Do I need flood insurance to buy a home in Cape Coral?
If the home is in a FEMA high-risk flood zone and you use a federally backed or regulated mortgage, flood insurance is required. Many Cape Coral homes are in these zones, so we check the zone and get a quote early.
Can I get a loan for a Cape Coral vacation rental?
Yes. Second-home loans work if you use the property yourself part of the year, and DSCR investor loans can qualify on the rental income. Florida and Lee County registration rules apply to short-term rentals.
Are utility assessments included in my mortgage payment?
Utility extension assessments in parts of Cape Coral are billed separately, either paid off or paid over time with your property taxes. We include them in your budget so your payment estimate is realistic.
Can I finance a home with an older roof in Cape Coral?
Often, but roof age and condition affect insurance, and some loans and insurers require repairs or replacement. Knowing the roof year before you make an offer helps avoid surprises.
Do you only lend in Cape Coral?
No. We are based in Cape Coral and lend throughout Southwest Florida, including Fort Myers, Lehigh Acres, North Fort Myers, Bonita Springs, Estero and Naples.
Talk to a Cape Coral mortgage broker today
Tell us about the home you want or the loan you have. We will call you back with options and real local numbers.
- Phone
- (239) 634-6685
- Serving
- Cape Coral, Fort Myers and Southwest Florida
- NMLS
- Company 2371310 · Loan Officer 226100
