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Now Lending in Naples

Naples home loans —
the Paradise Coast.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Naples and Collier County. From beachfront estates in Old Naples and Port Royal to golf communities in Pelican Bay, we bring local guidance to the Paradise Coast — 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
Collier County Coverage
14 days*
Close In As Little As
$832,750
2026 Collier County Conforming Limit
5.0 ★
Google Review Rating
Naples Markets

Local lending across
every Naples neighborhood.

Naples Neighborhoods

Beachfront estates, gated golf communities, and walkable downtown living.

  • Old Naples & Aqualane Shores
  • Port Royal & Park Shore
  • Pelican Bay & Pelican Marsh
  • Pine Ridge & Grey Oaks
Gulf-Coast Luxury

One of Florida's premier second-home and luxury retirement markets.

  • Luxury & waterfront financing
  • Second homes & seasonal residences
  • Collier County coverage
  • Minutes to the Gulf beaches
Every Kind of Naples Buyer

From golf-community move-ups to luxury, second-home, and investor purchases.

  • Move-up & growing-family buyers
  • Jumbo financing for luxury estates
  • Second homes & seasonal residences
  • Investment & rental properties (DSCR)
Old NaplesPort RoyalPark ShorePelican BayAqualane ShoresPine RidgeGrey OaksPelican MarshVineyards
Loan Programs in Naples

Financing for every
kind of Naples buyer.

FHA Loans

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

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VA Loans

0% down for Naples'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 Naples's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Naples mortgage
questions answered.

We serve homebuyers and homeowners throughout Naples and Collier County, including Old Naples, Port Royal, Park Shore, Pelican Bay, Aqualane Shores, and Pine Ridge, plus nearby Marco Island and Bonita Springs.
The 2026 conforming loan limit is $832,750 in Collier County, including Naples. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and waterfront homes.
Naples 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 Naples home journey?

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

Start My Application Call (561) 299-5825