Sarasota Mortgage Lender | FHA, VA, DSCR & Home Loans | The Galli Team
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Local Sarasota Lender · 29+ Years · 4.9★ Rating
Sarasota's Mortgage Lender
for Coastal Buyers Who Win.

Local Sarasota expertise. Fast pre-approvals that win offers in competitive markets like Siesta Key and Lakewood Ranch. FHA, VA, DSCR, bank statement, and jumbo — all under one roof.

Get Pre-Approved Today → 📞 (941) 529-1040
Local lender Same-day pre-qual Jumbo specialists Response in 2 hours
Chris Galli
"I've helped Sarasota families and investors close on homes for 29 years. When you work with a local lender, your file moves fast — and so does your offer."
Chris Galli · Branch Manager · Sarasota, FL · NMLS# 13152
29+
Years Local
4.9★
Client Rating
Top 1%
Nationally
Find Your Match in 30 Seconds

Which Sarasota Loan Fits You Best?

Pick what describes you and we'll show you exactly which loan program is right for buying in Sarasota.

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I'm Buying My First Sarasota Home
FHA, VA, down payment assistance
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I'm Self-Employed in Sarasota
Bank statement loans — no tax returns needed
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I'm a Sarasota Investor
DSCR loans — qualify on rental income
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I'm Buying a Luxury Sarasota Home
Jumbo programs up to $5M
Why Sarasota

Florida's Most Desirable Coast.

Sarasota is one of Florida's most desirable coastal markets, known for its beaches, luxury homes, and strong demand for both primary residences and investment properties. Whether you're buying a waterfront home on Siesta Key, a luxury home in a gated Lakewood Ranch community, or a snowbird condo to escape the cold — we've structured loans for buyers like you for 29 years.

We provide mortgage lending services throughout Sarasota and nearby communities including Lakewood Ranch, Siesta Key, Palmer Ranch, and Venice. Pairing strong local market knowledge with 25+ lender relationships means your file moves fast — critical in Sarasota's competitive market.

Close proximity to Bradenton and Venice means buyers can compare options across the Gulf Coast region without changing lenders.

Sarasota Florida waterfront homes near Siesta Key
Sarasota, Florida
Neighborhoods We Serve

Sarasota's Best Communities.

Siesta Key
World-famous beaches and luxury beachfront homes. Strong second-home and STR rental market.
Lakewood Ranch
Master-planned community with top schools, gated neighborhoods, and new construction.
Palmer Ranch
Family-friendly area with golf courses, established neighborhoods, and excellent value.
Lido Key
Beachfront condos and waterfront luxury homes minutes from St. Armands Circle.
Bird Key & Longboat Key
Premium waterfront properties for high-net-worth buyers and second-home owners.
Downtown Sarasota
Walkable urban living with high-rise condos, arts district, and Bayfront access.
Sarasota Loan Programs

Every Type of Loan, Under One Roof.

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

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Conventional
As low as 3% down for qualified Sarasota buyers.
🇺🇸
FHA / VA / USDA
Low or zero down for first-time and veteran buyers.
💎
Jumbo up to $5M
For Siesta Key, Lido, and Longboat luxury homes.
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Bank Statement
Self-employed Sarasota buyers — no tax returns.
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DSCR Investor
Investment property loans based on rental income.
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Profit & Loss
P&L statement qualification for business owners.
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Condo Financing
Downtown, beachfront, and non-warrantable condos.
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100% Financing
DPA combined with FHA for low out-of-pocket.
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ITIN Loans
For Sarasota buyers without a Social Security Number.
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Renovation Loans
Buy and renovate older Sarasota homes in one loan.
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1099 / 1-Yr Returns
For contractors and 1099 earners in Sarasota.
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Construction Loans
Build your dream home in Sarasota.
Sarasota beachfront homes
Siesta Key · Sarasota
Get Pre-Approved Before You Shop

Sarasota's Market
Rewards Speed.

Getting pre-approved before starting your Sarasota home search gives you a clear budget and strengthens your offer in a competitive market. In high-demand areas like Siesta Key and Lakewood Ranch, a pre-approval can make the difference between securing a property or missing out.

We respond within 2 hours and can often pre-qualify you the same day. That's the local advantage — fast answers, no call centers, direct access to your loan team.

Get My Sarasota Pre-Approval →
Who We Help in Sarasota

Sarasota Buyers
We Specialize In.

Every buyer has a path forward. Tap your situation below.

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First-Time Sarasota Buyers
FHA, VA, and DPA programs to get you into your first home.
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Self-Employed Borrowers
Bank statement loans — no tax returns required.
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Real Estate Investors
DSCR loans for Sarasota rental and STR investors.
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Luxury & Second-Home Buyers
Jumbo programs for Siesta Key and luxury properties.
✈️
Florida Relocators
Use your offer letter to qualify before your start date.
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Sarasota Refinancers
Lower your rate or pull cash out from your home's equity.
See My Sarasota Options →
Sarasota Questions

Sarasota
Mortgage FAQs.

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

Get My Pre-Approval →
No. We have many loan programs that don't require 20% down. FHA requires just 3.5%. Conventional loans go as low as 3%. VA loans require $0 for eligible veterans. Many Sarasota buyers also use down payment assistance to reduce out-of-pocket costs.
Lower than you probably think. FHA loans accept scores starting at 580. Some non-QM programs go even lower. We've closed loans for Sarasota buyers with scores starting in the high 500s — your full situation matters more than just the number.
Yes. Many buyers purchase second homes in Sarasota using conventional, jumbo, or DSCR loan options. Whether you're buying a vacation home on Siesta Key or a snowbird condo, we have programs that fit.
Yes. Sarasota investors regularly use DSCR loans for both long-term rentals and Airbnb/STR properties. Qualification is based on the property's rental income — not your personal tax returns. Perfect for buyers expanding Sarasota or Siesta Key portfolios.
No. We have programs that use 1 year of tax returns, 12 months of bank statements, 1099s — or no income documentation at all (DSCR for investment properties). Tell us your situation and we'll match you to the right doc level.
Great question — we help relocators every week. If you have a signed offer letter from your new employer and your start date is within 60 days of closing, we can use that income to qualify. You don't have to wait until you're physically working in Florida.
Most Sarasota buyers can be pre-approved within 24 hours, often the same day. A fast pre-approval gives you a competitive edge — critical in markets like Siesta Key and Lakewood Ranch where multiple offers are the norm.
Yes. We offer traditional jumbo loans and non-QM jumbo programs up to $5,000,000. Common uses in Sarasota: Siesta Key beachfront homes, Lido Key waterfront, Longboat Key luxury homes, and Lakewood Ranch estate properties.
Sarasota Resources

Helpful Local Links for Sarasota Buyers.

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

City & County Services

Schools & Community

Nearby Service Areas

Looking in Nearby Areas?

Bradenton Lakewood Ranch St Petersburg Venice Tampa Wellen Park
Same-Day Pre-Approval · Local Lender · 29+ Years

Your Sarasota 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 Sarasota lender No hard credit pull Response within 2 hours No obligation
The Galli Team
📞 (941) 529-1040 · 📍 Bradenton / Sarasota, FL

Novus Home Mortgage, a division of Ixonia Bank. NMLS #423065. Equal Housing Lender. Chris Galli NMLS# 13152. This is not an offer to enter into an agreement or a commitment to lend. All loans subject to credit approval. Not all products available in all states. Privacy | Terms

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