Mortgage broker in Marco Island, Florida

Home loans in Marco Island

Marco Island is a canal-front and beachfront market where nearly every purchase involves a condo review, a flood zone, or a jumbo loan, often all three. We are opening an office on the island, and we already close second homes, investment condos and primary residences here for buyers from across the country.

Marco Island housing and what it means for your loan

Waterfront single-family homes on the canals, beachfront high-rise condos, and inland homes and villas. Most of the island sits in a flood zone, elevation certificates matter, and many buildings have rental restrictions that affect investor financing.

Programs Marco Island buyers use most

• Jumbo loans for waterfront homes
• Condo financing with full association review
• Second-home and vacation-home loans
• DSCR loans where the building allows rentals

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

Why Marco Island 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.

Marco Island mortgage questions

How does a flood zone affect my Marco Island loan?

Flood insurance is required in a Special Flood Hazard Area. An elevation certificate can reduce the premium substantially; we ask for it with the contract.

Can I use rental income from a Marco condo to qualify?

On a DSCR loan, yes, based on market rent, as long as the association allows rentals at that frequency. We check the condo documents first.

Do you close for out-of-state buyers?

Most of our Marco Island closings are for buyers who live elsewhere. Everything is done electronically with a remote or mail-away closing.

Nearby communities we serve

Naples, Bonita Springs, Estero, Fort Myers, Cape Coral, 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.