Home loans in Bonita Springs
Bonita Springs sits between Naples and Fort Myers with Bonita Beach, Barefoot Beach and a deep inventory of gated communities. It is a strong market for full-time relocations and second homes, and we closed purchases here as recently as this summer.
Bonita Springs housing and what it means for your loan
Golf-course communities, newer construction east of I-75, condos and villas near the beach, and older homes in the Old Bonita area. HOA fees and CDD assessments affect qualifying, and many communities require an association review.
Programs Bonita Springs buyers use most
- Conventional and jumbo for gated communities
- Second-home financing
- FHA and VA for primary residences
- New-construction and builder financing
See all loan programs: Conventional, FHA, VA, USDA, Jumbo, DSCR, bank statement, renovation, refinance and cash-out.
Why Bonita Springs buyers choose a broker
Florida closings have more moving parts than most: condo reviews, flood determinations, wind mitigation, insurance quotes and HOA or CDD assessments. A single bank has one set of answers. As a broker we match your file to the lender on our panel that handles your building, your flood zone or your income type best, and we start insurance and association reviews at contract so nothing surprises you at closing. Broker vs. bank, explained.
Bonita Springs mortgage questions
What is a CDD and does it affect my loan?
A Community Development District assessment is billed with your taxes. Lenders count it in your housing payment, so we include it when we qualify you.
Can I buy in Bonita Springs before selling my home up north?
Often yes, using a bridge structure, a HELOC on the departing home, or qualifying with both payments. We map the options before you make an offer.
How long does a Bonita Springs purchase take?
Typically 30 days with a complete file; condo reviews and insurance quotes are the common delays, so we start both at contract.
Nearby communities we serve
Estero, Naples, Fort Myers, Cape Coral, Marco Island, and the rest of Collier and Lee counties, plus buyers statewide. All Florida service areas.
Licensing
Gosney Mortgage Group LLC, NMLS #1779150. Florida Mortgage Broker License MBR6353. Rollin Gosney, NMLS #1775528, Florida Loan Originator License LO119755. Equal Housing Opportunity.
Ready to buy or refinance in Bonita Springs?
Apply online in about 15 minutes, or call to talk it through first.