Fort Myers Mortgage Lender

Fairview Lending is a Florida mortgage broker serving Fort Myers and all of Lee County, based 15 minutes away at 1425 Del Prado Blvd S in Cape Coral. We have been financing Southwest Florida homes since 2006, hold more than 180 five-star Google reviews, and shop your loan across many lenders instead of selling one bank’s products. Call (239) 829-1543.

Fort Myers home loans at a glance

Where we lend around Fort Myers

We finance homes across the city and the rest of Lee County, including McGregor Boulevard and the historic river district, Whiskey Creek, Iona and the south McGregor corridor, San Carlos Park, Gateway and the Daniels Parkway corridor, Fort Myers Shores, Buckingham and Alva to the east, North Fort Myers, Fort Myers Beach and Lehigh Acres. We also serve Cape Coral, Estero, Bonita Springs, Naples, Punta Gorda and Port Charlotte, and we are licensed throughout Florida.

What makes a Fort Myers mortgage different

• Insurance drives the payment. Flood and windstorm premiums are escrowed with your taxes, so two homes at the same price can qualify very differently. Quote insurance early, not after inspection.
• Flood zones and elevation. Much of the county is mapped in a flood zone. On older homes near the river or the beach, an elevation certificate can change the premium substantially.
• Condos need their own approval. Reserves, budgets, milestone and structural inspections and special assessments decide whether a building is financeable at all.
• Storm repairs and permits. Open permits, unpermitted work and unfinished repairs can stop an appraisal. Catch them before you are under contract.
• Seasonal and investment buyers. Second homes and rentals follow different guidelines than a primary residence, and DSCR programs are often the right tool for investors.

Loan programs we handle for Fort Myers buyers

Why Fort Myers buyers work with Fairview Lending

• Twenty years in this market. We have financed homes here through booms, hurricanes and insurance swings, and we know how local property actually underwrites.
• A broker, not a single lender. We compare programs across many lenders, which matters most on condos, self-employed income and construction.
• A free second opinion. Already pre-approved somewhere else? We will review it at no cost and tell you honestly if it is a good deal.
• More than 180 five-star Google reviews from Southwest Florida buyers, and full service in English and Spanish.

More: Fort Myers client reviews · Manufactured home financing in Fort Myers · Florida mortgage FAQs with video answers

Fort Myers mortgage questions

Do you have an office in Fort Myers?

Our office is at 1425 Del Prado Blvd S in Cape Coral, about 15 minutes from downtown Fort Myers, and we work with Fort Myers buyers every week. Most of the process is handled by phone, email and secure upload, and we are glad to meet in person when you want to. We also have an Estero branch serving the south county.

What areas around Fort Myers do you serve?

Fort Myers, North Fort Myers, Fort Myers Beach, San Carlos Park, Iona, Whiskey Creek, McGregor, Gateway, Fort Myers Shores, Buckingham, Alva, Lehigh Acres and Cape Coral, plus Estero and Bonita Springs to the south. Fairview Lending is licensed throughout Florida.

What is the 2026 conforming loan limit in Lee County?

For 2026, the conforming limit for a one-unit home in Lee County is $832,750. Above that you are into jumbo or high-balance financing, which we also handle. Limits are set annually by FHFA and change each January.

What is the FHA loan limit in Lee County for 2026?

For 2026, the FHA limit for a one-unit property in Lee County is $541,287. Multi-unit limits are higher. See our FHA loan page for how FHA works.

How much do I need for a down payment in Fort Myers?

Less than most buyers expect. Several programs allow a low down payment, and eligible veterans may buy with no down payment through a VA loan. The right answer depends on your credit, income, savings and the property. See how much money you need to buy a home.

Can you finance a condo in Fort Myers or Fort Myers Beach?

Often yes, but the building has to qualify as well as you do. Lenders review the association’s reserves, budget, owner-occupancy, litigation, milestone and structural inspections and any special assessment. When a building falls outside conventional guidelines, a non-warrantable condo program may still work. See condo financing.

How do flood zones and insurance affect my Fort Myers mortgage?

A great deal. Much of Lee County sits in a flood zone, and flood plus windstorm premiums are collected in your monthly escrow, so they affect how much you qualify for. Get insurance quotes early, ask about an elevation certificate on older homes near the river or the beach, and build the real payment into your budget before you go under contract.

Do you finance new construction in Fort Myers and Lehigh Acres?

Yes. We handle construction and construction-to-permanent loans, and you do not need a signed builder contract to start. Read what you need for construction loan pre-approval.

I am self-employed or paid on commission. Can I still qualify?

Usually yes. Beyond standard documentation we have bank statement and other programs for business owners, and we know how to average commission and bonus income. See buying a home when self-employed.

I am relocating to Fort Myers from out of state. Can I get pre-approved before I move?

Yes, and you should. We work with relocating buyers every week, including remote workers who keep their current job. See qualifying when you relocate to Florida.

Can you review a pre-approval I already have from another lender?

Yes, at no cost and with no obligation. Bring your pre-approval letter or Loan Estimate and we will compare the rate, points, fees and program fit. See do I have to use the lender that pre-approved me.

¿Hablan español?

Sí. Felix Escobar (NMLS #2524454) es nuestro oficial de préstamos bilingüe y atiende a compradores en Fort Myers y Lehigh Acres. Visite nuestra página en español.