Fort Myers mortgages for condos, homes and rentals
From downtown River District condos to McGregor Boulevard classics and gated communities off Daniels Parkway, Fort Myers has every kind of property. We compare lenders and loan programs to match yours, from our office just across the river in Cape Coral.
How do I choose a mortgage broker in Fort Myers?
Look for a licensed, local broker who compares multiple lenders, explains your rate, payment and cash to close in writing, and understands Fort Myers property details like condo approvals, flood zones and community fees. You can verify any mortgage company and loan officer on NMLS Consumer Access before you call. We are Company NMLS # 2371310, and you work with the same licensed loan officer from pre-approval to closing.
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, across the Caloosahatchee River
- Loan programs
- FHA, conventional, 1099 and bank statement, DSCR and investment, hard money, renovation and refinance
- Property types
- Condos, single-family homes, gated and golf communities, historic homes, duplexes and rentals
- Local details we plan for
- Condo approvals and reserves, flood zones, HOA and CDD fees, insurance
- Licensing
- Company NMLS # 2371310 · Loan Officer NMLS # 226100
Financing across Fort Myers
Fort Myers neighborhoods range from high-rise condos to large-lot homes. The loan has to fit the property.
- Downtown & River District
- Riverfront condos and townhomes. Condo project approval, reserves and insurance decide which loans work.
- McGregor Boulevard
- Established and historic homes along the river corridor. Older systems and roofs deserve an early look.
- Gateway & Daniels Parkway
- Master-planned, gated and golf communities. HOA and CDD fees belong in your payment estimate.
- South Fort Myers & Iona
- Homes and condos between the river and the beaches, where flood zones and insurance vary block by block.
What makes Fort Myers loans different
We check these before you make an offer so the loan, the property and the budget line up.
Condo rules
Florida's condo safety laws require structural inspections and funded reserves, which can raise fees and affect loan approval. We review the building early.
Community fees
HOA and CDD fees in planned communities count toward your debt-to-income ratio, so we include them from the start.
Insurance and flood
Wind and flood premiums vary widely across Fort Myers. Real quotes up front keep your pre-approval accurate.
From first call to closing, step by step
Tell us your plans
A quick call about the home, your budget and your timeline.
Get pre-approved
Apply securely online and get a letter Fort Myers agents take seriously.
Check the property
We review condo approvals, flood zone, fees and insurance on the homes you like.
Close with confidence
We coordinate with your agent, title and insurance through closing.
Fort Myers mortgage questions, answered
Straight answers. If yours isn't here, call or send it through the form below.
Do you have an office in Fort Myers?
Our office is in Cape Coral at 1325 SE 47th St Ste F-4, just across the Caloosahatchee River. We lend throughout Fort Myers, and most of the process can be handled by phone and our secure online application.
Can I buy a Fort Myers condo with an FHA or conventional loan?
Yes, if the condo project meets the loan program's requirements. FHA needs an approved project or a single-unit approval, and conventional loans review the building's budget, reserves and insurance. We check before you make an offer.
How do Florida's condo safety laws affect my mortgage?
Newer Florida laws require milestone structural inspections and fully funded reserves for many condo buildings. Buildings with deferred repairs or low reserves can face special assessments and may not qualify for some loans.
Are HOA and CDD fees part of my mortgage qualification?
Yes. Lenders count HOA dues and CDD assessments as part of your monthly housing cost, so they affect how much you can borrow.
Can I get a mortgage in Fort Myers if I am self-employed?
Yes. Along with conventional and FHA loans that use tax returns, bank statement, 1099 and P&L programs let self-employed borrowers qualify on their real cash flow.
Do you lend outside Fort Myers?
Yes. We lend throughout Southwest Florida, including Cape Coral, Lehigh Acres, North Fort Myers, Bonita Springs, Estero and Naples.
Get a Fort Myers mortgage quote
Tell us about the home or condo you want or the loan you have. 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
