Mortgage broker in Naples, Florida

Home loans in Naples

Naples is where Rollin lives, and it is the heart of our Florida business. From Old Naples and Park Shore to North Naples, Golden Gate Estates and Ave Maria, the market runs from entry-level condos to waterfront estates, and the right loan depends as much on the building and the flood zone as on the borrower.

Naples housing and what it means for your loan

Condos and coach homes in gated communities, single-family homes on golf courses, acreage in Golden Gate Estates, and luxury waterfront. Second homes and jumbo loans are routine. Condo association reviews, HOA budgets and reserve studies, wind mitigation and flood insurance all shape the approval.

Programs Naples buyers use most

• Jumbo and second-home financing
• Conventional with limited or full condo review
• Bank statement and asset-depletion loans for self-employed and retired buyers
• DSCR loans for seasonal rentals

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

Why Naples 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.

Naples mortgage questions

Can I finance a Naples condo?

Yes. We review the association questionnaire, budget and reserves before you make an offer so you know whether the building qualifies for conventional, needs a non-warrantable lender, or clears FHA/VA.

Do I need flood insurance in Naples?

If the property is in a FEMA Special Flood Hazard Area, lenders require it. We pull the flood determination early and factor the premium into your qualifying numbers.

Can I buy a second home in Naples with 10% down?

Yes on conventional second-home financing where you qualify. Jumbo second-home programs typically start at 10% to 20% down depending on loan size.

Nearby communities we serve

Marco Island, 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.