A Real Person Answers.Your Loan Never Leaves the Building.
Cape Coral Mortgage has processed its own loans in house on Del Prado Blvd for over 25 years. You talk directly to the person handling your file, not a call center in another state.
Four Reasons, All of Them Checkable
In-House Processing
You talk directly to your loan processor. Most companies subcontract processing out of state, which is where delays come from, and delays can cost you the house and your deposit.
State and Federally Licensed
Every member of staff, not just the originators. Background checks, fingerprints, credit reports, and continuing education across the whole team.
We Are Actually Local
Not an internet lender. The office is at Chelsea Place Plaza on Del Prado Blvd and you can sit down with us. Over twenty-five years in Cape Coral.
Constant Communication
You will know where your loan stands at every stage. We answer and return calls, and we tell you the truth even when it is not what you want to hear.
Your File Stays in This Office
Closing dates are time sensitive. When processing is shipped to a vendor in another state, nobody in the building can tell you where your file is, and your personal documents travel with it.
At Cape Coral Mortgage the processor sits down the hall. That means we keep control of your closing date, your documents never leave our system, and when you ring to ask a question, the person who answers can actually look at your file.
“I couldn't get a hold of a person the first five calls I made to other companies.”
Several Wholesale Lenders, One Point of Contact
We shop different wholesale lenders to get you the lowest possible rate. A broad lender panel also means an unusual file still has somewhere to go: self-employed, foreign national, investor, or a condo the agencies will not touch.
Buying 7 programs
Conventional Loans
Fannie Mae and Freddie Mac loans for buyers with established credit and income.
See if you qualifyFHA Loans
Lower down payment and more forgiving credit requirements for first-time buyers.
See if you qualifyVA Loans
For eligible service members and veterans. No down payment on qualifying purchases.
See if you qualifyUSDA Loans
Zero down payment financing in eligible rural areas of Florida.
See if you qualifyJumbo Loans
Above the conforming limit, which is where a lot of Cape Coral waterfront lands.
See if you qualifyFirst-Time Home Buyer
Programs built for a first purchase, walked through one step at a time.
See if you qualifyFlorida Hometown Heroes
Down payment and closing cost assistance for qualified Florida workers.
See if you qualifyRefinancing and Equity 3 programs
Refinance
Change the term, the rate structure, or the loan you were qualified for years ago.
See if you qualifyHELOC and Standalone Seconds
Borrow against the equity you already have, as a line of credit or a fixed second mortgage, and leave your first loan alone.
See if you qualifyReverse Mortgages
For homeowners 62 and older, turning home equity into cash or monthly income. Taxes, insurance, and upkeep stay with you.
See if you qualifySpecialty Programs 7 programs
Bank Statement Loans
For self-employed borrowers whose tax returns do not tell the whole story.
See if you qualifyInvestor Loans
Rental and investment property financing, qualified on the property where it fits.
See if you qualifyLLC and 1031 Exchange
Close in the entity. Structured for investors moving proceeds between properties.
See if you qualifyForeign National and Canadian Loans
Financing for non-resident buyers, typically with 30 percent down.
See if you qualifyNon-Warrantable Condos
Buildings the agencies will not lend on still have options through our panel.
See if you qualifyConstruction End Loans
Permanent financing once your new home is built. We finance the end loan, not the ground-up build.
See if you qualifyDown Payment Assistance
Assistance programs for qualified buyers, layered with the right first mortgage.
See if you qualifyWe Think Outside the Box
We shop different wholesale lenders to get you the lowest possible rate. Then we take the usual lender fees off the table, so it costs you less to close.
We Waive These Fees
Five Steps, and You Will Know Where You Are in All of Them
- 1
Talk to a Person
A free consultation, in the office or on the phone. We find out what you are actually trying to do.
- 2
Pre-Application
A short free form tells us where you stand and which programs are realistic for you.
- 3
Documents
We send the checklist up front, and you upload everything to your file through our secure portal. Nothing gets asked for twice.
- 4
Processing
Handled in this office by the processor you can call directly. No out-of-state vendor.
- 5
Closing
We control the closing date because we control the file. Then we stay in touch for the next one.
What You Will Need to Apply
Gathering these before you start is the single biggest thing you can do to speed up a mortgage. Every situation is different, so we will tell you exactly which of these apply to you.
Proof of Income if Employed
Pay stubs for the last 30 days and year to date, W-2s for two years, employer details, and an explanation for any gaps in employment.
Other Types of Income
Self-employed, commission, interest, or rental income: two years of tax returns, year-to-date profit and loss, K-1s, and corporate returns.
Funds for Down Payment
Where the money is coming from. Sale of a previous home, savings, checking, money market, stocks and bonds, or a documented gift.
Property Information
Sales contract and riders, verification of deposit, contact details for all realtors, builders, insurance agents and attorneys, and the legal description.
Already Working With Us? Upload Your Documents Securely
Send pay stubs, statements, and contracts straight to your loan file through our secure LendingPad portal. No email attachments, nothing sitting in an inbox.
Every One of These Is About the Same Thing
I couldn't get a hold of a person the first five calls I made to other companies. Cape Coral people answer the phone and get to know you.
You don't usually see such interpersonal care in the mortgage industry. Cape Coral is the gold standard for relational real estate to me.
We were not excited after seeing several brokers and bankers. No one seemed responsive or prepared. We tried Cape Coral Mortgage on a friend's recommendation and are glad we did.
What Our Clients Say on Google
Waterfront Wonderland
of canals. More than any other city anywhere, including Venice, Italy.
Half of them have access to the Gulf, about twenty minutes away by boat. Cape Coral property is not standard suburban lending: waterfront values push purchases into jumbo territory, seasonal and second-home buyers arrive with unusual income documentation, and a lot of buyers are not US residents. Over twenty-five years here means we have placed all of it before.
Over Twenty-Five Years on Del Prado Blvd
You need someone who has been around a long time and has weathered the storm. Cape Coral Mortgage was here before the crash, through it, and after it.
We are people you can meet with, look in the eye, and get the truth from. We will tell you exactly where you stand, and we will show you every option rather than the one that pays us most. That is the whole business, and it is why most of our work comes from people we have already closed for.
Start With a Conversation, Not a Credit Pull
A free consultation costs you nothing and tells you where you actually stand. Call during business hours and a person will pick up.
Tell Us Where You Are
A member of our team will get back to you as soon as possible. If it is urgent, call. Someone answers.
- Office
- 3512 Del Prado Blvd S, Ste 106
Cape Coral, FL 33904
Chelsea Place Plaza - Phone
- (239) 540-5555
- Hours
- Monday to Friday, 9 AM to 5 PM
Nights and weekends by appointment only