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Now Lending in Fort Myers

Fort Myers home loans —
the River District & beyond.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Fort Myers and Lee County. From historic homes along McGregor Boulevard to new construction in Gateway, we bring local guidance to Southwest Florida's River District — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Southwest Florida
Lee County Coverage
14 days*
Close In As Little As
$832,750
2026 Lee County Conforming Limit
5.0 ★
Google Review Rating
Fort Myers Markets

Local lending across
every Fort Myers neighborhood.

Fort Myers Neighborhoods

A revitalized riverfront downtown plus established and master-planned communities.

  • Downtown River District
  • McGregor & the Historic District
  • Gateway & Daniels Corridor
  • Fort Myers Beach & the islands
Gulf-Coast Growth

A fast-growing Southwest Florida market with beaches and golf at the doorstep.

  • New-construction & first-time programs
  • Beach & condo financing
  • Lee County coverage
  • Minutes to RSW & Cape Coral
Every Kind of Fort Myers Buyer

From first homes to move-up, beach, and investor purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • Second homes & seasonal residences
  • Investment & rental properties (DSCR)
River DistrictMcGregorGatewayFort Myers BeachDaniels CorridorWhiskey CreekIonaColonialPelican Preserve
Loan Programs in Fort Myers

Financing for every
kind of Fort Myers buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Fort Myers homebuyers.

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VA Loans

0% down for Fort Myers's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Fort Myers's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Fort Myers investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Fort Myers's self-employed borrowers.

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FAQ

Fort Myers mortgage
questions answered.

We serve homebuyers and homeowners throughout Fort Myers and Lee County, including the downtown River District, McGregor, Gateway, and Fort Myers Beach, plus nearby Cape Coral and Estero.
The 2026 conforming loan limit is $832,750 in Lee County, including Fort Myers. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Fort Myers borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Fort Myers home journey?

Get pre-approved today — no cost, no obligation. Fort Myers borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825