Financing Made Simple

Not necessarily. While a 20% down payment helps avoid private mortgage insurance (PMI), many buyers secure homes with much less — sometimes as low as 3–5%. For veterans, VA loans can even require 0% down. The right option depends on your financial profile and long-term goals.

For homes above conforming loan limits, jumbo loans are the most common financing solution. We work with lenders who specialize in Sarasota’s luxury market, offering competitive rates and flexible terms for high-value properties, whether it’s a Siesta Key waterfront estate or a Lakewood Ranch custom home.

Yes, but only slightly. A lender’s inquiry typically has a minimal impact on your score, and it’s worth the trade-off to gain buying power and credibility with sellers. Plus, multiple mortgage inquiries within a short window are often treated as one inquiry.

Typically: pay stubs, W-2s or tax returns, bank statements, and identification. If you’re self-employed or an investor, additional documentation like business financials may be required. We’ll walk you through exactly what to prepare.