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Reviewed by David Ghazaryan, Mortgage Broker, NMLS 1486726 · iQRATE Mortgages · Last updated: October 13, 2026
Quick answer
A Naples mortgage broker compares many lenders for the jumbo, second-home, condo and investor loans that dominate this market. iQRATE Mortgages (NMLS 1862492) is licensed in Florida and shops more than 100 lenders on complex files. Collier County's 2026 limits are $832,750 conforming and $764,750 FHA, and the metro's median listing price was about $677,000 in September 2026. Naples-area property taxes are about 9.8 mills, the lowest of our Florida cities, but Hurricane Ian's 2022 surge made flood insurance a top concern. Full-doc loans close in about 17 days.
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5.0 stars from 87 reviews on Experience.com (October 2026) · Read David's reviews on Experience.com
Many Naples buyers are retirees and second-home owners from the Midwest and Northeast. They often have large assets but modest income, or they're self-employed. Asset-depletion and jumbo loans are common here, and so are condo purchases that require a review of the building's reserves and inspection status.
Part of our Florida mortgage broker coverage. We're licensed in Florida under company NMLS 1862492 and work Naples files from our Las Vegas office, closing with local escrow and title.
Neighborhoods and ZIPs we lend in: Old Naples and Port Royal (34102), Park Shore and Moorings (34103), Pelican Bay and Vanderbilt Beach (34108), North Naples (34109, 34110), East Naples (34112, 34113), Golden Gate Estates (34117, 34120), and Naples Park (34108).
Florida basics that apply here: the seller customarily pays documentary stamps on the deed ($0.70 per $100; $0.60 in Miami-Dade). The buyer pays two mortgage taxes: doc stamps on the note ($0.35 per $100 of the loan) and intangible tax (0.2% of the loan), or $2,200 on a $400,000 loan. Homeowners insurance, plus flood insurance in many zones, is among the most expensive in the country, and lenders collect the first year's premium plus escrow months, so prepaids are often the biggest part of cash to close. Owner-occupants get the homestead exemption and Save Our Homes (3% cap), but the assessment resets when a home sells. Whole-home rentals of under 30 days need a state DBPR vacation-rental license. Statewide down payment help includes Florida Hometown Heroes (5% of the loan, $10,000–$35,000, when funded) and FL Assist (up to $10,000), plus county SHIP funds.
Closing costs are what it costs you to get the loan: origination, discount points, appraisal, and escrow and title. Cash to close also includes your prepaids (first-year homeowners insurance, daily interest to month-end, and an escrow deposit for your own future property taxes and insurance) plus your down payment. Prepaids aren't a cost of the loan; they're your own bills paid ahead. In Naples, the first full year of homeowners insurance, flood insurance where required, and the escrow deposit are usually the largest prepaids; homes west of US-41 sit in coastal flood zones, so flood premiums there are often high. Your actual closing costs depend on county, price and loan type, so we don't quote a one-size range: every line is itemized on your Loan Estimate, and our Bare Bones guarantee means we add no fees of our own. Compare states on our closing costs by state page.
Collier County: conforming $832,750 and FHA $764,750 for a one-unit home. Above $832,750 you need a jumbo loan.
Conventional (as little as 3% down for eligible first-time buyers), FHA (3.5% down, 580+ score), VA (no down payment for eligible veterans with full entitlement), jumbo above the conforming limit, DSCR loans that qualify on rent, bank statement loans for self-employed borrowers, asset-based and 1099 loans, and rate-and-term or cash-out refinances. As a broker we compare wholesale lenders, more than 100 on complex files, instead of one bank's menu.
Terms for each are on its own page; see all iQRATE guarantees.
Often. Asset-depletion loans turn eligible savings into qualifying income.
$764,750 for a one-unit home in Collier County, higher than most Florida counties. The conforming limit is $832,750.
Yes. Collier County averaged about 9.8 mills in 2025, among the lowest in Florida.
Often, but many associations set minimum stays of a month or more. Check the condo documents first.
Often, yes. Some lenders require tests before closing.
Yes. Check the flood zone, elevation certificate and claims history before you make an offer.
Closing costs depend on the price, loan type and county, so yours are itemized on your Loan Estimate rather than quoted as a range. Closing costs are what it costs to get the loan (origination, points, appraisal, escrow and title). Cash to close also includes prepaids and your down payment; in Naples, the first full year of homeowners insurance, flood insurance where required, and the escrow deposit are usually the largest prepaids; homes west of US-41 sit in coastal flood zones, so flood premiums there are often high.
Most of our loans close in under 30 days. For eligible full-documentation conventional, FHA and VA purchases, our goal is 17 calendar days from signing initial disclosures.
Get My Custom Rate Now · or call (702) 766-3744
iQRATE Mortgages · NMLS 1862492 · 6360 S Rainbow Blvd Ste 101, Las Vegas, NV 89118 · Licensed in Nevada, California, Texas and Florida. David Ghazaryan, Mortgage Broker, NMLS 1486726. Verify us on NMLS Consumer Access. Equal Housing Opportunity. Programs, rates and terms change and are subject to credit, property and underwriting approval; local facts on this page come from the public sources below and are not legal or tax advice.
More: Florida mortgage broker · DSCR loans · Bank statement loans · Our guarantees · Closing costs by state
