Top 3 Mortgage Lenders in Cedar Key

Steve Tome's mortgage team is one of the highest-rated mortgage lenders in North Central Florida, serving Cedar Key and surrounding coastal communities. With over 25 years of experience, they specialize in waterfront properties, vacation homes, and primary residences in Florida's Nature Coast region. Their exceptional 4.9-star rating reflects consistent customer satisfaction, particularly for their expertise with rural properties and coastal home financing. They offer personalized service and deep knowledge of the unique mortgage requirements for properties in Cedar Key's coastal environment.

The Sledd Group has been serving North Central Florida communities including Cedar Key for over 20 years. They maintain a strong 4.8-star rating with particular expertise in rural property financing and coastal home loans. Their team understands the specific challenges and opportunities of mortgage lending in the Cedar Key area, including flood zone requirements and older coastal properties. They're known for competitive rates and exceptional customer service, with many reviews highlighting their smooth closing process and responsive communication for clients in remote coastal locations.

Michael Brown's team at Envoy Mortgage specializes in serving the Nature Coast region including Cedar Key, with particular expertise in vacation homes and investment properties common in the area. Their 4.7-star rating reflects strong customer satisfaction and reliable service for coastal property financing. They offer comprehensive loan options including specialized programs for waterfront properties and have extensive experience navigating the unique appraisal and insurance requirements for homes in Cedar Key. Their local knowledge and national lending resources make them a top choice for both primary residences and vacation properties in the region.