Your Trusted Florida Mortgage Experts for Over 20 Years
Local Expertise You Can Trust
As a SWFL lender, we understand the local real estate market inside and out. You’ll work with a dedicated loan expert, and yes, you’ll have their cell phone number.
Flexible Loan Options
With competitive rates, low fees, and strategic guidance, Fairview Lending helps you maximize your buying power and long-term savings.
Free Pre-Approvals
We take the time to understand your goals to match you with the best solution. Get pre-approved at no cost and know exactly where you stand. Valid for up to 90 days.
Connect With A Lending Expert
Whether you're buying, refinancing, or just exploring your options, we're here to guide you. Get in touch today and let’s find the right loan for you.
Randy Fergus
Sean Wilkins
Felix Escobar
Why work with a local Southwest Florida mortgage broker?
A broker shops multiple lenders on your behalf rather than selling one company’s product line, which matters more here than in most markets. Southwest Florida underwriting turns on details a national call center handles badly — flood zones and elevation certificates, wind mitigation and rising insurance premiums, condo project approval, seasonal and self-employed income, and new construction on Cape Coral’s vacant lots. We have been closing loans in this market since 2006, and you will have your loan officer’s cell phone number. Here is more on why clients choose Fairview Lending.
What areas do we serve?
Fairview Lending is based in Cape Coral and lends throughout Southwest Florida: Cape Coral, Fort Myers, North Fort Myers, Fort Myers Beach, Lehigh Acres, Estero, Bonita Springs, Naples, Punta Gorda and Port Charlotte. Se habla español — we have a bilingual loan officer and a bilingual processor on staff, and a full Spanish-language section.
What loan programs do we offer?
Conventional, FHA, VA, construction and construction-to-permanent, condo, DSCR and investor, bank statement loans for self-employed borrowers, and refinancing including cash-out. If you are not sure which fits, that is exactly what a free pre-approval conversation is for.
How do you get started?
Start with a free pre-approval. It costs nothing, takes a short conversation, and tells you your real budget before you start touring homes — which is also what makes your offer competitive in Lee County. Pre-approvals are valid for up to 90 days.
Who is the best mortgage broker in Cape Coral, Florida?
Look for a local broker who shops multiple lenders, understands Southwest Florida insurance and flood requirements, and gives you direct access to your loan officer. Fairview Lending has been a family-owned brokerage in Cape Coral since 2006, serving Lee, Collier and Charlotte counties.
What is the difference between a mortgage broker and a bank?
A bank offers only its own loan products. A broker compares programs and pricing from many lenders and matches you to the one that fits your credit, income and property type. For unusual situations — self-employed income, condos, construction, investment property — that choice usually matters a lot.
How much does it cost to get pre-approved?
Nothing. Pre-approval at Fairview Lending is free and valid for up to 90 days. It tells you your true budget and makes your offer stronger with Southwest Florida sellers.
How long does it take to close on a home in Southwest Florida?
Most purchase loans close in roughly 30 days once you are under contract, though condos and new construction can take longer because of project review and inspections. Getting documents in early is the single biggest factor you control.
Do you offer mortgages in Spanish?
Yes. We have a bilingual loan officer and a bilingual mortgage processor on staff, and a full Spanish-language section of this site so Spanish-speaking buyers can review their options in their own language.
What credit score do I need to buy a home in Florida?
It depends on the program — FHA is more forgiving than conventional, and VA has its own standards. There is no single cutoff, and buyers are often surprised they qualify. We will pull your credit and tell you honestly where you stand.