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

Sarasota Mortgage Lenderfor Coastal Buyers Who Win.

Local Suncoast lenders, 15 minutes up the road in downtown Bradenton. Fast pre-approvals that win offers on Siesta Key, Lakewood Ranch and Palmer Ranch, with every major loan type under one roof: conventional, FHA, VA, jumbo, bank statement, DSCR and condo financing.

Get Pre-Approved Today → 📞 (941) 529-1040
Local Suncoast team Same-day pre-qual 25+ lending partners Response in 2 hours
Chris Galli, Region Manager, Novus Home Mortgage, The Galli Team
"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 · Region Manager · Novus Home Mortgage · NMLS# 13152
29+
Years lending
4.9★
Google rating
Top 1%
Nationally

Who is a good mortgage lender in Sarasota, FL? The Galli Team at Novus Home Mortgage, led by Region Manager Chris Galli (NMLS #13152), is a local mortgage team serving Sarasota from its office at 1317 3rd Ave W in downtown Bradenton, about 15 minutes north. The team offers conventional, FHA, VA, USDA, jumbo (to $5 million), bank statement, P&L, DSCR, non-QM and condo financing, works with 25+ lending partners, and is licensed in all 50 states. Sarasota buyers most often come to them for fast pre-approvals, self-employed and non-QM loans, condo approvals on the keys and downtown, and jumbo financing on Siesta Key, Longboat Key and Lakewood Ranch.

Find your match in 30 seconds

Which Sarasota Loan Fits You Best?

Pick what describes you. Each one opens a Sarasota guide built for your situation.

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I'm buying my first Sarasota home
3–3.5% down, VA, and down payment assistance
💼
I'm self-employed
Six ways to qualify, including no tax returns
🏘️
I'm buying a rental or vacation home
DSCR, investment and second-home loans
💎
I'm buying a luxury or waterfront home
Jumbo loans to $5M, from 10% down
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I'm buying a condo
We check the building before you offer
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Another lender told me no
Send the denial for a second look
Why Sarasota

Florida's Most Desirable Coast.

Sarasota is one of Florida's most desirable coastal markets, known for its beaches, arts scene, luxury homes, and strong demand for primary homes, second homes and rentals. Whether you're buying a waterfront home on Siesta Key, new construction in Lakewood Ranch, or a snowbird condo downtown, we've been structuring loans for buyers like you for 29 years.

We lend throughout Sarasota and nearby communities including Lakewood Ranch, Siesta Key, Lido Key, Longboat Key, Palmer Ranch, Osprey, Venice and North Port. Pairing local market knowledge with 25+ lending partners means your file goes where it fits.

Our office is in downtown Bradenton, and we also serve Lakewood Ranch, Venice and Wellen Park, so you can compare across the Gulf Coast 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 beachfront homes. Strong second-home and vacation rental market; check condo rental rules early.
Lakewood Ranch
Master-planned villages, top schools and lots of new construction. Plan for CDD and HOA in your payment.
Palmer Ranch & Osprey
Established neighborhoods, golf communities and good value. Popular with families and first-time buyers.
Lido Key & St. Armands
Beachfront condos and waterfront homes minutes from St. Armands Circle. Condo reviews matter here.
Bird Key & Longboat Key
Premium waterfront homes and towers. Jumbo and second-home financing are common.
Downtown Sarasota
Walkable living with high-rise condos, the arts district and Bayfront access.
Buying in Sarasota in 2026

Numbers every Sarasota buyer should know.

ItemWhat it isWhy it matters
Conforming loan limit$832,750 for a one-unit home in Sarasota and Manatee counties (2026)Loan amounts above it are jumbo and follow different rules
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 after closing; it also caps future 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 near the water
Condo rulesMilestone inspections, reserve studies and full project reviewsThe building must qualify, not just you; condo guide
Down payment helpFlorida Hometown Heroes and county programsCan cover part of your down payment; Florida assistance

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

Sarasota Loan Programs

Every Type of Loan, Under One Roof.

First-time buyer, investor, self-employed, luxury or relocating, there's a Sarasota mortgage program built for you.

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Conventional
As low as 3% down for qualified Sarasota buyers.
🇺🇸
FHA & VA
3.5% down FHA, $0 down VA for eligible veterans.
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Jumbo to $5M
Siesta, Lido, Longboat and Lakewood Ranch luxury homes.
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Bank Statement
Self-employed? Qualify on deposits, not tax returns.
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DSCR & Investment
Rentals and vacation homes that qualify on rent.
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Non-QM & P&L
P&L, 1099, asset depletion and ITIN programs.
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Condo Financing
Warrantable, non-warrantable, FHA and VA condos.
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Down Payment Help
Assistance, grants, gifts and seller credits.
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1099 & Self-Employed
Six ways business owners and 1099 earners qualify.
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New Construction
Compare builder incentives and plan your rate lock.
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Renovation Loans
Buy and renovate older Sarasota homes in one loan.
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USDA
$0 down in eligible areas around the Suncoast.
Siesta Key beachfront homes in Sarasota, Florida
Siesta Key · Sarasota
Get Pre-Approved Before You Shop

Sarasota's Market
Rewards Preparation.

Getting pre-approved before you start your Sarasota search gives you a clear budget and a stronger offer. Your pre-approval with us includes Florida-specific costs like insurance, taxes on your purchase price, and HOA or CDD fees, so the number holds up at underwriting.

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 →
Choosing a lender

Local team vs. big bank vs. online lender.

The Galli TeamTypical big bankTypical online lender
Loan optionsConventional, FHA, VA, jumbo and non-QM through 25+ lending partnersMostly its own productsOften conventional and government only
Self-employedBank statement, P&L, 1099 and asset programsUsually two years of tax returnsVaries; limited non-QM
Condos on the keysWe review the building before you offerOften reviewed late in the processVaries
Who you talk toThe same local team from start to closeBranch plus processing centerCall center
Agents can reach usDirect line, (941) 529-1040VariesRarely

General comparison, not a review of any specific company. Every lender's programs and service vary.

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 Buyers
Low down payment loans plus Florida and county assistance.
💼
Self-Employed & 1099
Six ways to qualify when write-offs shrink your returns.
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Investors
DSCR and investment loans for rentals and vacation homes.
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Luxury & Second Homes
Jumbo to $5M for the keys, Bird Key and Lakewood Ranch.
✈️
Relocating to Florida
Pre-approved before you move, closing remotely if needed.
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Veterans
VA loans with $0 down and no monthly mortgage insurance.
See My Sarasota Options →
Sarasota & 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.

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. Investment & vacation rentalsDSCR, investment and second-home financing. First-time home buyers3% and 3.5% down, $0-down VA and USDA, and assistance. VA & FHA loans$0 down for veterans, 3.5% down with FHA. Florida down payment assistanceHometown Heroes and county programs. Down Payment AcademyEvery kind of help, plus a free certificate. Moving from MassachusettsFlorida pre-approval from a team with offices in both states. Lakewood Ranch new constructionCompare builder incentives and plan for CDD. Lakewood Ranch jumbo & self-employedJumbo to $5M and business-owner options. Rate buydownsSeller-paid 2-1 buydowns that lower year-one payments. DSCR investor loansQualify on the property's rent, not your income.
Sarasota Questions

Sarasota
Mortgage FAQs.

Straight answers from a local Suncoast lender, not vague corporate speak.

Get My Pre-Approval →
No. FHA requires 3.5% down, conventional loans start at 3%, and VA and USDA loans can be $0 down for eligible buyers. Many Sarasota buyers also use Florida Hometown Heroes or county down payment assistance to lower what they bring to closing.
Lower than many buyers expect. FHA loans start at 580, and some non-QM programs go lower. Loans have closed for Sarasota buyers with scores in the high 500s, because the full financial picture matters more than a single number.
The 2026 conforming loan limit for a one-unit home in Sarasota and Manatee counties is $832,750. Loan amounts above that are jumbo loans. We offer jumbo financing up to $5,000,000 with as little as 10% down for qualified buyers.
Yes, but the building has to qualify as well as you. Florida's milestone inspection and reserve study laws mean lenders review the condo association's budget, reserves and inspections. We review the building before you write an offer, and we have options for warrantable and non-warrantable condos, including FHA and VA where the project is approved.
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 Sarasota home is your primary residence, you can file for a homestead exemption of up to $50,000 off its assessed value, and the Save Our Homes cap limits annual increases in assessed value to 3%. File with the Sarasota County Property Appraiser after you close. We estimate taxes using the post-homestead amount when you qualify.
Insurance is part of your monthly payment, so it affects how much you qualify for. Roof age, wind mitigation features and flood zone all change the premium. We help you get insurance quotes early, ideally before your inspection period ends, so there are no surprises at closing.
Yes. Buyers purchase second homes in Sarasota with conventional, jumbo or DSCR financing, whether it's a vacation home on Siesta Key or a seasonal condo downtown.
Yes. Sarasota investors use DSCR loans for long-term rentals and short-term vacation rentals. Qualification is based on the property's rental income rather than your personal tax returns. Check local short-term rental rules for the property before you buy.
No. Programs exist that use one year of tax returns, 12 to 24 months of bank statements, 1099s, a CPA-prepared P&L, or no personal income documentation at all (DSCR loans for investment properties).
Often, yes. Many denials come from one lender's overlays or a single loan program, not a dead end. Send us the denial letter and we will review your file within one business day and tell you plainly what it would take to get approved, whether that is now or after a few targeted changes.
Yes. With a signed offer letter and a start date within 60 days of closing, that income can usually be used to qualify. You do not have to wait until you are working in Florida.
Most Sarasota buyers are pre-approved within 24 hours, often the same day. A fast, fully reviewed pre-approval strengthens offers in competitive areas like Siesta Key and Lakewood Ranch.
Yes. Florida Hometown Heroes can provide up to 5% of the first mortgage amount ($10,000 minimum, $35,000 maximum) as a 0% deferred second mortgage for eligible buyers. Sarasota County and other programs may also help, depending on income and the home's price.
Sarasota Resources

Helpful Local Links for Sarasota Buyers.

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

City & County Services

Buying in Florida

Nearby Service Areas

Looking in Nearby Areas?

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

Your Sarasota Home
Starts Here.

Tell us your situation and 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 Suncoast team No hard credit pull Response within 2 hours No obligation
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