Punta Gorda & Port Charlotte Mortgage Lender

Mortgage Lender Serving Punta Gorda, Port Charlotte and Charlotte County

Fairview Lending finances homes throughout Charlotte County — Punta Gorda, Port Charlotte, Rotonda West, Englewood, Babcock Ranch and the communities in between. We are a local mortgage broker based just south in Cape Coral, licensed throughout Florida, with 20 years of Southwest Florida lending and more than 180 five-star Google reviews. Call (239) 829-1543 for a free pre-approval, or upload a pre-approval from another lender for a free, no-obligation second opinion.

Charlotte County lending at a glance

Home loans for Charlotte County buyers

• Conventional loans — as little as three percent down for qualified first-time buyers.
• FHA loans — 3.5 percent down with flexible credit guidelines.
• VA loans — zero down and no monthly mortgage insurance for eligible veterans and service members, plus the VA IRRRL streamline refinance.
• USDA loans — 100 percent financing in eligible areas; we check the exact address against USDA’s map.
• Jumbo loans — for waterfront homes above the conforming limit.
• Second home loans — for seasonal residents buying a winter home.
• Reverse mortgages (HECM) — for homeowners 62 and older, including HECM for Purchase.
• Construction-to-permanent loans — one loan, one closing, for building on a Port Charlotte or Rotonda lot.
• Self-employed and bank statement loans, DSCR investor loans and condo financing, including non-warrantable buildings.
• First-time buyer assistance — see our guide to Florida Housing programs.

What to know about financing a home in Charlotte County

Canal and waterfront homes

Punta Gorda Isles, Burnt Store Isles and parts of Port Charlotte are built on sailboat and canal access. Seawall condition, dock permits and flood zone all affect insurance and appraisal, so we review them before you are under contract.

Flood and wind insurance

Much of coastal Charlotte County sits in a FEMA flood zone, and homes rebuilt or repaired after recent hurricanes can carry very different insurance costs depending on roof age, elevation and mitigation features. An elevation certificate and a wind mitigation inspection can change your monthly payment a great deal, and both count when you qualify.

Older homes in Port Charlotte

Many Port Charlotte homes were built decades ago. Insurers often require a four-point inspection, and an older roof, electrical panel or plumbing can limit which insurers will write the policy. FHA 203(k) and conventional renovation loans can finance needed updates with the purchase.

New construction and master-planned communities

Babcock Ranch and other newer communities often include HOA dues and a Community Development District assessment on the tax bill. Both count in your debt-to-income ratio, so we build them into your pre-approval.

Seasonal and retirement buyers

Charlotte County draws many retirees and part-time residents. We regularly structure second-home loans, loans qualified on retirement income and assets, and reverse mortgages for purchase.

Why Charlotte County buyers work with Fairview Lending

Close by, and local for 20 years

Our Cape Coral office is a short drive from Punta Gorda, and we have been closing Southwest Florida loans since 2006.

A broker that compares lenders

We shop your loan across multiple wholesale lenders instead of offering one bank’s products.

A free second opinion

Already pre-approved? Send us the pre-approval or Loan Estimate and we will review it at no cost and tell you honestly whether it’s a good offer.

English and Spanish

Servicio hipotecario completo en español. Préstamos hipotecarios en español.

Nearby areas we serve

Buying elsewhere in Southwest Florida? See our pages for Cape Coral, Fort Myers, Lehigh Acres, Estero and Naples. Fairview Lending is licensed throughout Florida — see our statewide lending page.

Questions Punta Gorda and Port Charlotte buyers ask

Do you lend in Punta Gorda and Port Charlotte?

Yes. Fairview Lending finances purchases and refinances throughout Charlotte County, including Punta Gorda, Port Charlotte, Rotonda West, Englewood and Babcock Ranch.

Do I need flood insurance to buy in Punta Gorda?

If the home is in a FEMA Special Flood Hazard Area and you use a mortgage, the lender will require flood insurance. Many canal homes are in these zones. We estimate the premium before you make an offer.

Can I get a VA loan in Charlotte County?

Yes. Eligible veterans and service members can buy with zero down and no monthly mortgage insurance, subject to VA appraisal and eligibility.

Can I finance a winter home in Punta Gorda?

Yes. Second-home loans are available with conventional financing, typically with at least 10 percent down.

Can I buy a home with a reverse mortgage?

Yes. Buyers 62 and older can use a HECM for Purchase to buy a home with a larger down payment and no required monthly mortgage payment, while still paying taxes, insurance and HOA dues.

Are there first-time buyer programs in Charlotte County?

Florida Housing’s statewide programs are available in Charlotte County, subject to county income and price limits. See our Florida Housing program guide.

Do you finance new construction in Babcock Ranch?

Yes. We offer construction-to-permanent loans and financing for builder-completed homes, with HOA and CDD costs built into your pre-approval.

¿Hablan español?

Sí. Ofrecemos servicio hipotecario completo en español en Punta Gorda, Port Charlotte y todo el condado de Charlotte.

Fairview Lending Inc · NMLS #230610 · 1425 Del Prado Blvd S, Cape Coral, FL 33990 · (239) 829-1543 · Equal Housing Opportunity.