Bradenton Mortgage Lender | FHA, VA, Jumbo & DSCR | The Galli Team
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Downtown Bradenton Office · 29+ Years · 4.9★ on Google

Bradenton's Mortgage LenderWhen Speed & Approvals Matter.

Our office is right here in downtown Bradenton, on 3rd Ave W. Fast pre-approvals that win offers, plus FHA, VA, jumbo, condo, DSCR, bank statement and Manatee County down payment assistance through 25+ lending partners. From Anna Maria Island to Parrish and Lakewood Ranch, we know this market.

Get Pre-Approved Today → 📞 (941) 529-1040
Local office Same-day pre-qual 25+ lending partners Response in 2 hours
Chris Galli - Region Manager, Novus Home Mortgage, The Galli Team, Bradenton FL
"I've helped Bradenton families and investors close on homes for 29 years. When you work with a local lender, you get answers — not call centers."
Chris Galli · Region Manager · 1317 3rd Ave W, Bradenton, FL · NMLS# 13152
29+
Years Local
4.9★
Client Rating
Top 1%
Nationally

Who is a local mortgage lender in Bradenton, FL? The Galli Team at Novus Home Mortgage, led by Region Manager Chris Galli (NMLS #13152), is a mortgage team with an office at 1317 3rd Ave W in downtown Bradenton, a few blocks from the Manatee Riverwalk. The team offers conventional, FHA, VA, USDA, jumbo (to $5 million), condo, bank statement, P&L, DSCR and other non-QM loans through 25+ lending partners, and helps buyers use the Manatee County Housing Finance Authority's $15,000 down payment assistance and Florida Hometown Heroes. Bradenton buyers most often come to them for same-day pre-approvals, first-time buyer and down payment help, Anna Maria Island vacation rentals and second homes, and new construction in Parrish and Lakewood Ranch.

Living & Buying in Bradenton

A Local Lender for a Local Market.

Bradenton continues to attract families, professionals, retirees, and investors thanks to its coastal lifestyle, growing neighborhoods, and strong housing market. From waterfront properties near Palma Sola Bay to family-friendly communities in Lakewood Ranch and West Bradenton — the local market offers opportunities for every type of buyer.

We provide mortgage lending services throughout Bradenton and nearby communities. Whether you're buying a primary residence, second home, or investment property, we help structure loan solutions that fit the Bradenton market. Close proximity to Sarasota and Tampa means buyers get the best of all three markets, and our team also serves Lakewood Ranch next door.

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Visit us in downtown Bradenton
1317 3rd Ave W, Bradenton, FL 34205 — a few blocks from the Manatee Riverwalk. Walk-ins welcome, or schedule a time.
Bradenton Florida waterfront homes near the Manatee River
Bradenton, Florida
Neighborhoods We Serve

Bradenton's Best Communities.

Lakewood Ranch
Master-planned villages, top schools and new construction. Plan for CDD and HOA in your payment.
Anna Maria Island & Holmes Beach
Beach homes and vacation rentals. Second-home, investment and DSCR financing; flood insurance matters here.
Parrish & North River
Fast-growing new home communities. Compare builder incentives against your own lender's rate and costs.
Palmetto & Ellenton
Riverfront access and quick connections to Tampa Bay, with prices that suit first-time buyers.
West Bradenton & Cortez
Established neighborhoods near Palma Sola Bay with mature trees, canals and water access.
Downtown Bradenton
Walkable living along the Manatee Riverwalk with condos, lofts and historic homes. We review condo buildings up front.
Buying in Bradenton in 2026

Numbers every Bradenton buyer should know.

ItemWhat it isWhy it matters
Conforming loan limit$832,750 for a one-unit home in Manatee County (2026)Loan amounts above it are jumbo and follow different rules
Manatee County DPAUp to $15,000 from the Housing Finance Authority for eligible buyersCan cover much of your down payment and costs; check eligibility
Property taxesReset to your purchase price after you buyThe seller's tax bill isn't yours; budget on your price
Homestead exemptionUp to $50,000 off assessed value on your primary homeFile with the Manatee County Property Appraiser after closing; it also caps assessment increases at 3%
Mortgage taxesFlorida doc stamps ($0.35 per $100) and intangible tax (0.2%) on the loanPart of your closing costs, unique to Florida
Homeowners & flood insuranceVaries by age, roof, construction and flood zoneGet a quote before you offer, especially on the islands and along the river
CDD feesCommon in newer communities in Lakewood Ranch, Parrish and east BradentonUsually billed on your tax bill and counted in your payment

Figures are general information for 2026 and can change. Taxes and insurance vary by property; we build your actual numbers into your pre-approval.

Bradenton Loan Programs

Every Type of Loan, Under One Roof.

Whatever your situation — first-time buyer, investor, self-employed, or relocating — we have a Bradenton mortgage program built for you.

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Conventional
As low as 3% down for qualified Bradenton buyers.
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FHA & VA
3.5% down FHA, $0 down VA for eligible veterans.
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Jumbo to $5M
Waterfront, Anna Maria Island and Lakewood Ranch estates.
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Bank Statement
Self-employed? Qualify on deposits, not tax returns.
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DSCR Investor
Qualify on the property's rent, not your personal income.
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Vacation Rentals
Second homes and short-term rentals on the islands.
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Condo Financing
Bradenton condos, including non-warrantable buildings.
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Manatee $15K DPA
County down payment assistance for eligible buyers.
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Non-QM, P&L & ITIN
P&L, 1099, asset depletion and ITIN programs.
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1099 & Self-Employed
Six ways business owners and 1099 earners qualify.
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New Construction
Parrish and Lakewood Ranch builders, incentives and rate locks.
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Denied Elsewhere?
Send the denial. We review files within one business day.
Down Payment Help

Bradenton Down Payment Assistance Programs.

Saving for a down payment is one of the biggest hurdles to buying a home in Bradenton. The good news: there are programs available right now that can dramatically reduce — or even eliminate — what you bring to closing.

We work with the down payment assistance programs available to Bradenton buyers and will match you to the one that fits. Start with the Manatee County $15K program, see every Florida option, or take the free Down Payment Academy.

Check My $15K Eligibility →
HFA
Manatee County HFA: up to $15,000
The Housing Finance Authority of Manatee County's assistance for eligible local buyers, paid as a deferred second mortgage. Pairs with FHA and conventional loans.
FL
Florida Hometown Heroes
Up to 5% of the first mortgage ($10,000 minimum, $35,000 maximum) as a 0% deferred second mortgage for eligible Florida workers.
CH
Chenoa Fund
Nationwide down payment assistance available in Bradenton. Often pairs with FHA for little to no money down.
FHLB
FHLB Grant Program
Federal Home Loan Bank grant up to $15,000 for eligible Bradenton homebuyers, when funds are available.
Anna Maria Island near Bradenton Florida
Anna Maria · Bradenton
Why Bradenton Chooses Us

Why Bradenton Buyers Choose The Galli Team.

Local knowledge. National lending resources. We've spent 29+ years building relationships with local realtors, title companies, and inspectors — which means your file moves faster from offer to close.

01
Faster Pre-Approvals
Most Bradenton buyers get pre-approved same day. Speed wins offers.
02
Complex Income Pros
Self-employed, 1099, investor — we structure complex files to close.
03
Investor Programs
DSCR and non-QM products built for Bradenton portfolio builders.
04
Clear Communication
No call centers. Direct access to your loan team from app to close.
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25+ Lending Partners
If one lender says no, we can often find another program that says yes.
See What You Qualify For in Bradenton →
Bradenton & Suncoast Mortgage Guides

Local guides for the loan you need.

Each guide goes deep on one situation, with local examples, requirements and a quick calculator.

Manatee County $15K assistanceEligibility quiz for the county's down payment program. Florida down payment assistanceHometown Heroes and county programs. Down Payment AcademyEvery kind of help, plus a free certificate. Bradenton first-time buyersYour real cash to close with county help. VA & FHA loans$0 down for veterans, 3.5% down with FHA. Bank statement loansQualify on 12–24 months of deposits instead of tax returns. Self-employed mortgagesSix ways business owners and 1099 earners qualify. Non-QM loansBank statement, P&L, 1099, asset depletion, ITIN and more. Mortgage denied?Send the denial. We review files within one business day. Condo financingWarrantable, non-warrantable, FHA and VA. Building reviewed first. Jumbo loansAbove $832,750 in 2026. Loans to $5M, from 10% down. Anna Maria Island rentalsDSCR, flood zones and the 50% rule. Parrish new constructionYour real payment with CDD and HOA. Lakewood Ranch new constructionBuilder incentive calculator. Moving from MassachusettsFlorida pre-approval from a team with offices in both states. Rate buydownsSeller-paid 2-1 buydowns that lower year-one payments.
Bradenton Questions

Bradenton
Mortgage FAQs.

Straight answers from a local Bradenton lender — not vague corporate speak.

Get My Pre-Approval →
It depends on your income, down payment and goals. FHA works well for first-time Bradenton buyers at 3.5% down, conventional suits buyers with strong credit, VA offers $0 down for eligible veterans, and DSCR is the go-to for Bradenton investors. We compare your options side by side before you choose.
Yes. The Housing Finance Authority of Manatee County offers up to $15,000 in down payment assistance for eligible buyers, and Florida Hometown Heroes can provide up to 5% of the first mortgage ($10,000 minimum, $35,000 maximum) as a 0% deferred second mortgage. Income limits and other rules apply, and we check which programs you qualify for at pre-approval.
It varies by program. FHA requires as little as 3.5% down, conventional loans can allow 3% for qualified buyers, and VA and USDA offer $0 down for eligible buyers. Many Bradenton buyers also use down payment assistance or seller concessions to lower what they bring to closing.
The 2026 conforming loan limit for a one-unit home in Manatee County is $832,750. Loan amounts above that are jumbo loans. We offer jumbo financing up to $5,000,000, commonly used for waterfront homes, Anna Maria Island properties and Lakewood Ranch estates.
Yes. Bradenton investors use DSCR loans for long-term and short-term rentals, qualifying on the property's rental income rather than personal tax returns. DSCR loans typically need 20% to 25% down. Check local short-term rental rules, insurance and flood zone for the property before you buy.
Buyers typically pay 2% to 5% of the purchase price. Florida-specific costs include documentary stamp tax on the note ($0.35 per $100 borrowed) and intangible tax (0.2% of the loan amount), plus title insurance, prepaid homeowners insurance and an escrow deposit for property taxes. Seller credits and rate buydowns can offset some of these costs.
If the home is your primary residence, you can file a homestead exemption of up to $50,000 off assessed value with the Manatee County Property Appraiser, which also caps annual assessment increases at 3%. Many newer communities in Lakewood Ranch, Parrish and east Bradenton have CDD fees on the tax bill, and insurance depends on roof age, construction and flood zone. We build all of these into your pre-approval.
Yes, but the building has to qualify as well as you. Florida's milestone inspection and reserve study laws mean lenders review the association's budget, reserves and inspections. We review the building before you write an offer and have options for warrantable and non-warrantable condos.
Most Bradenton buyers are pre-approved within 24 hours, often the same day, depending on how quickly income, asset and credit information comes in. A fast pre-approval gives you an advantage when submitting offers.
Yes. Conventional investment loans can go as low as 15% down with strong credit. DSCR loans typically need 20% to 25% down but qualify on rental income, which makes them easier to scale across multiple properties.
Yes. Beyond tax returns, self-employed buyers can qualify with 12 to 24 months of bank statements, a CPA-prepared P&L, 1099s or assets. Bring your last two years of returns and recent statements and we'll show you which option gives you the strongest approval.
Often, yes. FHA and non-QM programs allow more credit flexibility, and loans have closed for buyers with scores starting at 580. If another lender denied you, send us the denial letter and we'll review your file within one business day.
No. You can buy in Bradenton whether you live in Florida or are relocating from another state. Many Bradenton buyers work remotely or invest from out of state, and closings can often be handled remotely.
Yes. Our office is at 1317 3rd Ave W, Bradenton, FL 34205, a few blocks from the Manatee Riverwalk. Call (941) 529-1040 to set a time, or book a call online.
Bradenton Resources

Helpful Local Links for Bradenton Buyers.

Useful resources for anyone buying, selling, or relocating to Bradenton, Florida.

City & County Services

Buying in Florida

Nearby Service Areas

Looking in Nearby Areas?

Sarasota Lakewood Ranch St Petersburg Venice Tampa Wellen Park Massachusetts
Same-Day Pre-Approval · Local Office · 29+ Years

Your Bradenton Home
Starts Here.

Tell us your situation — we'll have a clear path forward within 2 hours. Local expertise, fast approvals, every loan type.

Get Pre-Approved Today → 📞 Call (941) 529-1040
Local Bradenton office No hard credit pull Response within 2 hours No obligation
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