Naples Pier · Fifth Avenue · Olde Naples

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Naples is one of Florida's tightest housing markets — median prices well above the state average and a steady flow of out-of-state buyers, retirees, and second-home shoppers. Whether you're buying a primary residence, a second home, or an investment property, Nick shops 100+ wholesale lenders to find the rate and program that fits your situation. Local realtor referrals welcome.

Serving: Olde Naples · Park Shore · Pelican Bay · Aqualane Shores · Port Royal · Coquina Sands · Naples Park · North Naples

Naples, Florida

Common Questions

Naples Mortgage FAQ

What is the conforming loan limit in Collier County for 2025? +
The 2025 conforming loan limit for Collier County is $806,500. Most Naples luxury purchases exceed this threshold and require jumbo financing.
What down payment is required for a Naples jumbo loan? +
Typically 10–20% depending on loan amount and lender program. A 700+ credit score is preferred for the most competitive jumbo rates.
Can I get a DSCR loan for a Naples vacation rental? +
Yes — Collier County's strong seasonal rental market often supports DSCR qualification. Nick reviews rental comps for your specific property to assess eligibility.
Do you work with foreign nationals buying in Naples? +
Yes — foreign national loan programs are available with 25–35% down and asset documentation. No US credit history required. Common for Canadian, European, and Latin American buyers.
What is the FHA loan limit in Collier County / Naples? +
The 2025 FHA loan limit is $764,750. FHA is less common in Naples given the median home price, but available for qualifying properties.

Programs Available in Naples

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s required. Collier County's luxury rental market supports strong DSCR ratios.
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Jumbo Loans
Financing above $806,500 for Port Royal, Park Shore, Aqualane Shores, and Pelican Bay luxury estates.
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FHA Loans
3.5% down with a 580+ credit score. FHA loan limit in Collier County is $764,750.
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