McGregor Blvd · Edison Park · Downtown

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Fort Myers is a market with serious depth — McGregor Boulevard estates, Edison Park renovations, beach condos on the Gulf, and a rising tide of investor purchases inland. Nick maps loan programs to specific properties: FHA where it fits, conventional or jumbo when it doesn't, DSCR for rentals, and one-time-close C-to-P for buyers building on Iona or Gateway lots.

Serving: McGregor Blvd · Edison Park · Downtown · Iona · Cape Coral border · Fort Myers Beach · Gateway

Fort Myers, Florida

Common Questions

Fort Myers Mortgage FAQ

What is the conforming loan limit in Lee County for 2025? +
The 2025 conforming loan limit for Lee County is $806,500 for a single-family home. Loans above this threshold require a jumbo mortgage.
Can I use a DSCR loan for a Fort Myers investment property? +
Yes — Lee County's rental market supports DSCR qualification. Properties qualify based on rental income rather than personal income or tax returns.
What is the FHA loan limit in Lee County / Fort Myers? +
The 2025 FHA loan limit for a single-family home in Lee County is $524,225. FHA loans require as little as 3.5% down with a 580+ credit score.
Do you serve buyers in Cape Coral as well as Fort Myers? +
Yes — all of Lee County including Cape Coral, Bonita Springs, Estero, and surrounding communities.
How has the Fort Myers market changed post-Hurricane Ian? +
The Fort Myers and Lee County market has shown strong recovery. Lender guidelines for FEMA flood zones apply to certain properties — Nick can walk you through insurance requirements and how they affect qualification.

Programs Available in Fort Myers

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s required. Cape Coral and Fort Myers Beach support strong DSCR ratios.
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Jumbo Loans
Financing above $806,500 for Sanibel, Cape Coral waterfront, and McGregor Boulevard luxury properties.
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FHA Loans
3.5% down with a 580+ credit score. FHA loan limit in Lee County is $524,225.
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