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Now Lending in Cape Coral

Cape Coral home loans —
the Waterfront City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Cape Coral and Lee County. From gulf-access canal homes in the Southwest Cape to new construction across the city, we bring local guidance to the Waterfront City — 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
Cape Coral Markets

Local lending across
every Cape Coral neighborhood.

Cape Coral Neighborhoods

More canals than any city on earth, plus rapid new-construction growth.

  • Southwest Cape & Pelican
  • Tarpon Point & Cape Harbour
  • Sandoval & Entrada
  • Burnt Store & the North Cape
Canal-Front Living

A boater's market with gulf-access waterfront and attainable new homes.

  • Gulf-access & canal financing
  • New-construction programs
  • Lee County coverage
  • Minutes to RSW & Fort Myers
Every Kind of Cape Buyer

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

  • First-time & move-up buyers
  • New construction & canal homes
  • Second homes & seasonal residences
  • Investment & rental properties (DSCR)
Southwest CapePelicanTarpon PointCape HarbourSandovalEntradaBurnt StoreHancockGold Coast
Loan Programs in Cape Coral

Financing for every
kind of Cape Coral buyer.

FHA Loans

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

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VA Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Cape Coral mortgage
questions answered.

We serve homebuyers and homeowners throughout Cape Coral and Lee County, including the Southwest Cape, Pelican, Tarpon Point, Cape Harbour, and Sandoval, plus nearby Fort Myers and North Fort Myers.
The 2026 conforming loan limit is $832,750 in Lee County, including Cape Coral. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's waterfront and higher-priced homes.
Cape Coral 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 Cape Coral home journey?

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

Start My Application Call (561) 299-5825