Mortgage broker in Cape Coral, Florida

Home loans in Cape Coral

Cape Coral has more canal miles than any city in the world and a huge inventory of single-family homes and buildable lots, which makes it the top market in Southwest Florida for new construction, first-time buyers and investors. We have closed several Cape Coral purchases, including DSCR rentals.

Cape Coral housing and what it means for your loan

Gulf-access and freshwater canal homes, inland ranch homes, and new builds on vacant lots. Flood zones vary block by block, well and septic are common in the north, and builder spec homes are plentiful.

Programs Cape Coral buyers use most

• Construction and new-build financing
• DSCR loans for Cape Coral rentals
• FHA, VA and conventional for primary residences
• Second-home loans for canal properties

See all loan programs: Conventional, FHA, VA, USDA, Jumbo, DSCR, bank statement, renovation, refinance and cash-out.

Why Cape Coral 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.

Cape Coral mortgage questions

Can I finance a new build on my own Cape Coral lot?

Yes. Construction-to-permanent loans cover the build and convert to a regular mortgage at completion with one closing.

How do DSCR loans work for a Cape Coral rental?

The loan qualifies on the property's market rent versus the payment, with no personal income documentation. Investors use it to buy repeatedly.

Does north Cape Coral with well and septic qualify for FHA or VA?

Yes, with the required water and septic inspections. We tell you up front what the lender will ask for.

Nearby communities we serve

Fort Myers, Fort Myers Beach, Lehigh Acres, Estero, Bonita Springs, 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.