Everything you need to get mortgage-ready in Southwest Florida — document checklists, plain-English loan program guides, and the links Mike's clients use most. No jargon, no pressure.
Not sure which loan fits? Here's the quick version. Mike shops all of these across 100+ wholesale lenders, so once you know the category, he finds the best deal inside it.
The workhorse — as little as 3% down with good credit; no upfront mortgage insurance fee
3.5% down and flexible credit requirements — great for first-time buyers
For loan amounts above conforming limits — common in Naples & Marco Island
Qualify with deposits instead of tax returns — built for the self-employed
Qualify on the property's rental income, not your personal income
The process is simpler than it looks: get pre-approved first (it's free and takes minutes), then shop with confidence knowing your real budget. Mike handles the lender legwork — you focus on finding the right house. From accepted offer to keys typically runs about 30 days.