The Naples mortgage market
Naples is one of Florida's premier luxury and second-home markets, with strong demand from retirees and snowbirds.
Most Naples purchases are second homes or retirement primaries — jumbo financing is standard.
Top loan programs in Naples
- Jumbo — commonly used by Naples buyers in this market.
- Second Home — commonly used by Naples buyers in this market.
- Conventional — commonly used by Naples buyers in this market.
How to qualify for a mortgage in Naples
Qualifying for a mortgage in Naples follows the same core process as anywhere in Florida: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, and how the home will be used.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for a Naples mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Southwest Florida — including Naples — find the right loan program at a competitive rate. We work with conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
Get your Naples loan options
See what you qualify for — fast, free, no obligation.