Top 3 Mortgage Lenders in Holmes Beach

Bay to Bay Funding is a highly-rated local mortgage broker serving Holmes Beach and the surrounding barrier islands with exceptional personalized service. With over 25 years of experience, Michael Stone and his team specialize in Florida's unique coastal property market, offering competitive rates and flexible loan options. Their exceptional 4.9-star rating reflects their commitment to customer satisfaction and deep understanding of Anna Maria Island's real estate landscape, including flood zones and coastal construction requirements.

Supreme Lending's Sarasota branch, led by Sean Sweeney, serves Holmes Beach with an outstanding reputation for competitive rates and exceptional customer service. As a national lender with strong local presence, they offer a comprehensive range of mortgage products with particular expertise in Florida coastal properties. Their 4.8-star rating and hundreds of positive reviews highlight their reliability in handling complex transactions and providing personalized guidance throughout the mortgage process for barrier island properties.

Formerly USAmeriBank and now part of Valley Bank, this established regional lender maintains strong presence throughout Manatee and Sarasota counties, including Holmes Beach. With deep roots in Florida's Gulf Coast, they offer specialized knowledge of coastal property financing and construction loans. Their 4.7-star rating reflects consistent customer satisfaction, particularly for jumbo loans and custom financing solutions needed for higher-value barrier island properties, backed by local decision-making and personalized service.