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Now Lending in Sarasota

Sarasota home loans —
the Cultural Coast.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Sarasota and Sarasota County. From barrier-island condos on Siesta Key to downtown high-rises and homes in Palmer Ranch, we bring local guidance to the Cultural 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
Gulf Coast
Sarasota County Coverage
14 days*
Close In As Little As
$832,750
2026 Sarasota County Conforming Limit
5.0 ★
Google Review Rating
Sarasota Markets

Local lending across
every Sarasota neighborhood.

Sarasota Neighborhoods

Award-winning beaches, a vibrant arts downtown, and master-planned communities.

  • Siesta Key & Lido Key
  • Downtown & Rosemary District
  • Bird Key & Saint Armands
  • Palmer Ranch & Lakewood Ranch area
Arts & Beaches

A culture-rich Gulf market prized by retirees, families, and second-home buyers.

  • Beach & condo financing
  • Second homes & seasonal residences
  • Sarasota County coverage
  • Minutes to SRQ & the Gulf beaches
Every Kind of Sarasota Buyer

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

  • First-time & move-up buyers
  • New construction & townhomes
  • Jumbo financing for beachfront luxury
  • Investment & rental properties (DSCR)
Siesta KeyLido KeyBird KeySaint ArmandsDowntownPalmer RanchGulf GateThe MeadowsLaurel Park
Loan Programs in Sarasota

Financing for every
kind of Sarasota buyer.

FHA Loans

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

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VA Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Sarasota mortgage
questions answered.

We serve homebuyers and homeowners throughout Sarasota and Sarasota County, including Siesta Key, Lido Key, Bird Key, downtown, and Palmer Ranch, plus nearby Lakewood Ranch and Venice.
The 2026 conforming loan limit is $832,750 in Sarasota County, including Sarasota. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and waterfront homes.
Sarasota 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 Sarasota home journey?

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

Start My Application Call (561) 299-5825