Florida Mortgage Lender

A Florida Mortgage Lender, Licensed Statewide and Based in Cape Coral

Fairview Lending Inc (NMLS #230610) is a Florida mortgage broker licensed to originate home loans throughout the state. We have been based in Cape Coral since 2006, and we finance purchases, refinances and new construction from the Panhandle to the Keys. Because we are a broker, we compare loan programs across multiple wholesale lenders instead of offering just one bank’s products, and you work with the same licensed loan officer from pre-approval to closing.

Call (239) 829-1543 for a free pre-approval, apply online, or upload a pre-approval from another lender for a free second opinion.

Fairview Lending at a glance

Home loans we arrange anywhere in Florida

Buying a home

• Conventional loans — as little as three percent down for qualified first-time buyers.
• FHA loans — 3.5 percent down and flexible credit guidelines. Compare them in FHA vs. conventional loans in Florida.
• VA loans — zero down and no monthly mortgage insurance for eligible veterans, service members and surviving spouses.
• USDA loans — 100 percent financing in eligible rural and suburban areas.
• Jumbo loans — for homes above the conforming loan limit.
• First-time buyer loans, including an honest comparison with Florida Housing’s down payment assistance programs.

When standard guidelines don’t fit

• Self-employed and bank statement loans — qualify on deposits instead of tax returns. See buying a home when you’re self-employed.
• DSCR investor loans — qualify on the property’s rent, not your personal income.
• Non-warrantable condo financing — for buildings that don’t meet Fannie Mae or Freddie Mac project rules. See condo financing.
• Foreign national loans for buyers without U.S. credit history.
• Reverse mortgages (HECM) for homeowners 62 and older.

Building, renovating and refinancing

• Construction-to-permanent loans — one loan, one closing.
• FHA 203(k) renovation loans — buy and repair with one mortgage.
• Manufactured home financing — see manufactured home loans.
• Refinancing, cash-out refinancing and the VA IRRRL streamline.

What makes a Florida mortgage different

The loan programs are national, but Florida homes underwrite differently. After 20 years of closing loans here, these are the issues we plan for up front:

• Homeowners insurance. Wind coverage, the age of the roof and the insurer you can actually get — including Citizens Property Insurance — drive the monthly payment as much as the interest rate does. We price insurance before you write an offer, not after.
• Inspections insurers require. Older homes often need a four-point inspection, and a wind mitigation inspection can lower the premium. We tell you which ones the property needs early.
• Flood zones. If the lender requires flood insurance, it is part of your qualifying payment. An elevation certificate can change the cost a great deal.
• Property taxes after the sale. Florida’s homestead cap stays with the seller. Your taxes are reassessed after you buy, so the seller’s tax bill usually understates what you will pay. We estimate escrow from the purchase price.
• Condo rules. Florida’s milestone-inspection and structural-reserve requirements for condominium buildings affect which condos qualify for conventional financing. We review the association before you are under contract.
• HOA and CDD fees. Many newer communities carry a Community Development District assessment on the tax bill. It counts in your debt-to-income ratio.

Where we lend

Fairview Lending finances homes in every Florida county. Our loan officers know Southwest Florida street by street, and we have local guides for:

• Cape Coral
• Fort Myers and Lee County
• Lehigh Acres
• Estero and Bonita Springs
• Naples and Collier County
• Punta Gorda, Port Charlotte and Charlotte County

We also arrange loans for buyers in Tampa Bay, Sarasota, Orlando and Central Florida, Southeast Florida, Jacksonville and Northeast Florida, and the Panhandle. Applications, disclosures and document uploads are handled online, and your closing takes place with a title company or attorney near the property.

Why Florida buyers work with Fairview Lending

A broker, not a single bank

We can shop your scenario across several wholesale lenders, which matters most when your income, property or credit doesn’t fit a standard box.

A free second opinion on any pre-approval

Already pre-approved somewhere else? Upload the pre-approval or Loan Estimate and we will review it at no cost — and tell you honestly if your current offer is the better one.

Service in English and Spanish

Preaprobación, solicitud, documentos y cierre — todo en español. Préstamos hipotecarios en español.

Twenty years and 180+ five-star reviews

Fairview Lending has been financing Florida homes since 2006. Read what borrowers say in our client reviews.

Questions Florida home buyers ask

Is Fairview Lending licensed in all of Florida?

Yes. Fairview Lending Inc (NMLS #230610) is licensed to originate mortgages throughout Florida. Our office is in Cape Coral, but we finance homes in every county in the state.

Can I get a mortgage from you if I’m buying outside Southwest Florida?

Yes. You can apply online, upload documents securely and sign disclosures electronically. The closing is handled by a title company or attorney near your property.

What credit score do I need to buy a house in Florida?

It depends on the program. FHA guidelines allow scores as low as 580 for 3.5 percent down, conventional loans generally start at 620, and Florida Housing’s state programs require 640. See what credit score do I need.

How much do I need for a down payment in Florida?

VA and USDA loans can be zero down, FHA is 3.5 percent, and conventional can be 3 percent for qualified first-time buyers. Florida Housing’s down payment assistance can cover part of the rest. See how much money you need to buy a home.

Does Florida have first-time homebuyer assistance?

Yes. Florida Housing Finance Corporation offers down payment and closing cost assistance, including Florida Assist, the HFA PLUS second mortgage and the Hometown Heroes program for eligible workers. Our Florida Housing program guide explains each one.

Why is my Florida mortgage payment higher than the online calculator said?

Most calculators underestimate Florida homeowners insurance, flood insurance and post-sale property taxes. We build the full payment — principal, interest, taxes, insurance, HOA and any CDD — before you make an offer.

Do you work with self-employed borrowers and veterans anywhere in Florida?

Yes. Bank statement loans for self-employed borrowers and VA loans for eligible veterans are available statewide.

¿Ofrecen préstamos hipotecarios en español en toda Florida?

Sí. Atendemos a compradores en todo el estado de Florida, en español o en inglés.

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