Estero Mortgage Lender | Fairview Lending

Mortgage Lender Serving Estero, Bonita Springs and Naples

Fairview Lending’s Estero branch finances homes across Estero, Bonita Springs, Naples, Collier County and south Lee County. We are a local mortgage broker, not a national call center. The same team has been closing loans in Southwest Florida since 2006 and has earned more than 180 five-star Google reviews across the region. Call the Estero branch at (239) 318-5274 for a free pre-approval — or send us a pre-approval you already have from another lender and we will review the terms at no cost and no obligation.

The Estero branch at a glance

Loan programs handled at the Estero branch

Buying a home

• Mortgage pre-approval — verified, not pre-qualified. We check income, assets and credit up front so your offer holds up in a competitive Estero or Naples situation.
• First-time home buyer loans — down payment options from zero to five percent, with an honest walk-through of what the monthly payment really includes here: taxes, wind and flood insurance, HOA and any CDD fee.
• Conventional loans — as little as three percent down for qualified first-time buyers, with mortgage insurance ending at twenty percent equity.
• FHA loans — 3.5 percent down and flexible credit guidelines.
• VA loans — zero down, no monthly mortgage insurance, Certificate of Eligibility and VA appraisal handled for you.
• USDA rural development loans — 100 percent financing in eligible parts of eastern Lee and Collier County.
• Jumbo loans — agency and portfolio options for higher-priced homes in Naples, Bonita Bay and Estero.
• Condo mortgages — including buildings that need a full project review.
• Second home and investment property loans — seasonal homes, long-term rentals and short-term rental property.

Building new

• Construction-to-permanent loans — one loan, one closing, one set of closing costs. The loan finances the build and converts to your permanent mortgage when the home is finished.
• New construction financing — from lot purchase through certificate of occupancy, working directly with your builder’s draw schedule, including lots in Golden Gate Estates.

Refinancing and equity

• Rate-and-term refinancing — lower the rate, shorten the term or drop mortgage insurance. We show you the breakeven in months and tell you plainly when it is not worth it yet.
• Cash-out refinance — for renovations, hurricane hardening, tuition or debt payoff.
• Fixed-rate home equity loans — borrow against equity without giving up a low first-mortgage rate.

When standard guidelines do not fit

• Self-employed and bank statement loans — for business owners, 1099 contractors and seasonal earners whose tax returns understate what they earn.
• Non-warrantable condo loans — when a building fails agency project review over litigation, reserves, investor ratio or an open structural assessment.
• Foreign national loans — for international buyers with no US credit history.
• Reverse mortgages (HECM) — for homeowners 62 and older who want to convert equity into income or eliminate a monthly mortgage payment.
• FHA 203(k) renovation loans — buy a dated home and finance the work in the same mortgage, based on the value after it is done.

Why Estero, Bonita Springs and Naples buyers work with Fairview Lending

Twenty years in this market

Fairview Lending Inc has been financing Southwest Florida homes since 2006. That is long enough to have closed through two hurricanes, an insurance market that reset twice, and a condo-reserve law that changed what buildings qualify for financing. A lender who learned this market last year has not.

A free second opinion on any pre-approval

Send us the pre-approval letter or the Loan Estimate you already have and we will review the loan type, the lender fees and the structure at no cost and no obligation. If the other lender’s offer is genuinely better for you, we will tell you that.

Full service in English and Spanish

Preaprobación, solicitud, documentos y cierre — todo en español si lo prefiere. Llámenos al (239) 318-5274.

We know how property here actually underwrites

Flood zone and elevation certificates, wind mitigation, CDD assessments, condo milestone inspections and reserve studies, seasonal-rental occupancy rules — these are the things that stall a Southwest Florida closing. We look for them in week one instead of three days before your closing date.

Where we lend

The Estero branch serves buyers throughout Collier County and south Lee County, including Estero (Bella Terra, Verdana Village, The Place at Corkscrew, Corkscrew Shores, Grandezza, West Bay Club, Pelican Sound, Copperleaf, Shadow Wood, Wildcat Run), Bonita Springs (Bonita Bay, Bonita National, Palmira, Valencia Bonita, Pelican Landing, Spanish Wells, Hunters Ridge), and Naples and Collier County (Ave Maria, Fiddler’s Creek, Lely Resort, Pelican Bay, The Vineyards, Naples Reserve, Isles of Collier Preserve, Golden Gate Estates, Marco Island, Immokalee).

Buying in Cape Coral, Fort Myers, North Fort Myers, Punta Gorda or Port Charlotte instead? Our Cape Coral office handles those markets — call (239) 829-1543.

Questions Estero, Bonita Springs and Naples buyers ask most

Do you have an office in Estero?

Yes. Fairview Lending’s Estero branch operates under Branch NMLS #2764856 and serves Estero, Bonita Springs, Naples and Collier County. We are reachable Monday through Friday 8:00 AM to 8:00 PM, Saturday 9:00 AM to 5:00 PM and Sunday 10:00 AM to 4:00 PM at (239) 318-5274. Most of our clients handle the entire loan by phone, email and e-signature, and we meet in person by appointment.

What areas does the Estero branch serve?

Estero, Bonita Springs, Naples, Marco Island, Golden Gate, Immokalee and the rest of Collier County, plus south Lee County. Our Cape Coral office covers Cape Coral, Fort Myers, North Fort Myers, Punta Gorda and Port Charlotte. Either office can help you anywhere in Florida.

What credit score do I need to buy a home in Estero or Bonita Springs?

There is no single number. FHA loans start at a 580 score with 3.5 percent down, conventional loans generally start around 620, and VA has no set minimum although individual lenders apply their own. Your score also affects your rate and your mortgage insurance, so a 40-point improvement before you apply can be worth real money. We will pull your credit at no cost and tell you where you stand.

How much down payment do I need in Collier County?

It depends on the loan. VA and USDA can be zero down for eligible buyers. FHA is 3.5 percent. Conventional starts at 3 percent for qualified first-time buyers and 5 percent otherwise. Second homes and investment property require more, usually 10 to 20 percent. Jumbo loans on higher-priced Naples homes vary by lender and by property.

Do you finance new construction in Estero and Naples?

Yes. We do construction-to-permanent loans, which finance the build and convert to your permanent mortgage when the home is complete — one loan, one closing, one set of closing costs. We work directly with your builder’s draw schedule and lend on lots throughout Collier County, including Golden Gate Estates. Bring us the builder contract and we will tell you exactly what it takes to qualify.

Can you finance a condo in Bonita Springs or Naples?

Yes, including buildings that need a full project review. In Southwest Florida the association is underwritten alongside you: budget, reserves, insurance, owner-occupancy ratio, pending litigation and any structural assessment. We order that review in the first week so a warrantability problem does not appear days before closing, and we have portfolio options when a building does not qualify for agency financing.

¿Hablan español?

Sí. Ofrecemos servicio hipotecario completo en español — preaprobación, solicitud, documentos y cierre. Llámenos al (239) 318-5274. Yes, we offer full mortgage service in Spanish, from pre-approval through closing.

How long does a pre-approval take?

Most pre-approvals are issued within one business day once we have your income documents, asset statements and permission to pull credit. A pre-approval is good for 90 days and can be refreshed. A same-day letter is often possible if you are writing an offer on an Estero or Naples listing this afternoon.

I already have a pre-approval from another lender. Can you look at it?

Yes, at no cost and no obligation. Send us the pre-approval letter or the Loan Estimate and we will review the loan type, the rate structure, the lender fees and whether the program actually fits the home you are buying. If the other lender’s offer is better for you, we will tell you that.

What is the difference between pre-qualified and pre-approved?

Pre-qualified means a lender took your word for your income and debts. Pre-approved means the lender verified them with documents and pulled credit. In competitive Estero, Bonita Springs and Naples situations, listing agents increasingly discount pre-qualification letters. We issue verified pre-approvals.

Do you finance second homes and investment properties in Naples?

Yes. We finance seasonal and second homes, long-term rentals and short-term rental property across Collier and Lee County. Occupancy type changes the down payment and the terms, and association rules on minimum rental periods can affect the loan, so it is worth a call before you go under contract.

What are your license numbers?

Fairview Lending Inc is NMLS #230610, founded in 2006. The Estero branch is Branch NMLS #2764856. You can verify both at the NMLS Consumer Access site.

Talk to the Estero branch

Free pre-approval. Free second opinion on a pre-approval from another lender. No cost to apply.

Call (239) 318-5274 — Monday through Friday 8:00 AM to 8:00 PM, Saturday 9:00 AM to 5:00 PM, Sunday 10:00 AM to 4:00 PM. Or start your application online.

Fairview Lending Inc, NMLS #230610. Estero Branch NMLS #2764856. Equal Housing Lender. Fairview Lending Inc, Priceless Realty Inc and Lauren Homes Inc are affiliated businesses; that relationship is disclosed in writing at application. Loan programs, terms and eligibility are subject to underwriting approval and may change without notice. This page is not a commitment to lend.