Top 3 Mortgage Lenders in Cape Coral

Gulf Coast Bank & Trust has been serving Southwest Florida since 1999 with a strong focus on the Cape Coral community. Their mortgage team consistently receives exceptional ratings for personalized service, local market expertise, and competitive rates. As a community bank with deep roots in the area, they understand the unique aspects of Cape Coral's housing market, including waterfront properties and canal-front homes. Their mortgage specialists are known for guiding clients through the entire process with transparency and expertise, making them a top choice for both purchase and refinance transactions in the region.

Achieva Credit Union, founded in 2002, has established itself as one of Southwest Florida's premier mortgage lenders with multiple branches serving Cape Coral residents. They consistently earn high marks for competitive rates, low fees, and exceptional member service. As a not-for-profit financial cooperative, Achieva often offers more favorable terms than traditional banks. Their mortgage team specializes in first-time homebuyer programs, VA loans (important in the veteran-heavy Cape Coral market), and construction financing. With digital mortgage tools and local decision-making, they provide a streamlined experience while maintaining personalized service.

SWFL Mortgage Group has built an outstanding reputation throughout Southwest Florida since 2006, with particular expertise in the Cape Coral and Fort Myers markets. They maintain exceptional 4.9-star ratings across multiple review platforms due to their responsive service, competitive pricing, and deep knowledge of local real estate conditions. As a dedicated mortgage brokerage, they work with multiple lenders to find the best terms for each client's unique situation. Their team specializes in complex financing scenarios, investment properties, and helping clients navigate Cape Coral's unique waterfront property requirements. The company is praised for their transparent communication and ability to close loans efficiently.