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 Conforming Loan amounts up to $766,550 | FHA Loan Limits are specific to each Florida County
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Sanibel Island Mortgage Programs

Sanibel Island Mortgage Programs

Fidelity Home Group is here to help you find the financing for your home purchase that’s best for you—whether you’re just starting out, tired of renting or upgrading to your dream home in Cape Coral. With free preapprovals, you can search for your new home knowing all of your options, and our selection of specialty loan programs and in-house mortgage experts means your home loan is personalized to your individual needs and budget. 


Sanibel Island Self-Employed | Business Owners Mortgage

When you are self-employed or a business owner and you want to buy a home, you fill out the same application as everyone else. The same factors are considered: your credit score, how much debt you have, your assets and your income. So what’s different? When you work for someone else, lenders go to your employer to verify the amount and history of that income, and how likely it is you’ll keep earning it.

Sanibel Island Condo Mortgage Programs

Condominiums are classified as Warrantable, Non-Warrantable or a Condotel. Condos are a single, individually-owned housing unit in a multi-unit building. The condominium owner holds sole title to the unit, but owns land and common property (elevators, halls, roof, stairs, etc.) jointly with other unit owners, and shares the upkeep expenses on the common-property with them. Unit owner pays property taxes only on his or her unit, and may mortgage, rent, or sell it just like any other personal property.

New Construction Mortgages

Our New Construction Programs is a one-close construction loan:

  • 70% LTV with no requalification required post-construction
  • 90% LTV option with requalification required post-construction
  • Simple and flexible draw process with no set schedules

Conforming Mortgages

Conforming mortgages are ideal for borrowers with good or excellent credit. They follow fairly conservative guidelines for:

FHA Mortgages

Federal Housing Administration mortgages are great first-time home buyers! FHA Mortgage have flexible lending standards to benefit:

  • Minimum Down Payment of 3.5%.
  • Minimum score of 620.
  • Debt-to-income ratios under 55%.

Jumbo Mortgages

Jumbo mortgages are home loans that exceed conforming loan limits. A jumbo loan is one way to buy a high-priced or luxury home:

    • Credit scores as low as 680 may qualify
    • Buy with as little as 10% down payment
    • Loan amounts up to $5,000,000

Renovation Mortgages

Our renovation remodeling loans allow you to roll the costs of repairs or upgrades. Benefits include:

  • One Loan: The loan covers the purchase plus renovation costs
  • Renovation work can begin immediately
  • Remodel the updates/additions you want
  • Simplicity: one closing and one monthly payment

Veterans [ VA ] Mortgages

Because the VA guarantees a portion of your loan, you won’t need to pay mortgage insurance:

  • Credit scores as low as 620 may qualify
  • Buy a home with as little as $0 down
  • Certificate of Eligibility
  • VA loans were designed to offset common financial challenges faced by military families and veterans.

Investment Home Mortgage

Thinking of buying an additional property for a new source of income? Consider an investment home with long or short terms rentals:

  • Minimum down payment of 15%
  • Minimum credit score 700
  • Debt to income ratio under 43%

Second Home Mortgage

Buying a second home or vacation home is a dream for many Americans. It commonly is a good decision for retirement:

  • Minimum down payment of 10%
  • Minimum credit score 680
  • Debt to income ratio under 43%

Get Pre-Approved by Florida Mortgage Experts

Sanibel Island Mortgage Approval