Your Lee County Mortgage Lender — Home Loans, Refinancing & Pre-Approvals
Serving Fort Myers, Cape Coral, Bonita Springs, Lehigh Acres, Estero and surrounding communities
Down Payment Assistance Programs in Lee County
Lee County (Fort Myers area) has three separate county-level DPA programs. Combined with state programs, eligible buyers can access up to $144,500+ in total assistance.
County Program: Lee County FirstPlus
- Assistance: Up to $10,000
- Type: 0% interest 30-year deferred second mortgage — no monthly payments
- First-time buyer required: Yes
- Funding: Continuously funded, first-come first-served
County Program: Lee County HOME DPA
- Assistance: 10% of purchase price or $24,500 (whichever is less)
- Type: Self-amortizing second mortgage, 10-year term
County Program: Lee County CDBG Homeownership Assistance
- Assistance: Up to 50% of lender-required minimum down payment, max $75,000
- Purchase price limit: $380,000
- Coverage: Unincorporated Lee County only
- Contact: Lee County Human and Veteran Services: 239-533-7900
Statewide Programs Available in Lee County
- Hometown Heroes: Up to $35,000 — 0% deferred loan for eligible workers
- FL Assist: Up to $10,000 — 0% deferred second mortgage
- Salute Our Soldiers: Up to $35,000 — for veterans and active military
Lee County DPA Stacking Example
- Hometown Heroes: $35,000 (state)
- Lee County FirstPlus: $10,000 (county)
- Lee County HOME: $24,500 (county)
- Lee County CDBG: $75,000 (county — unincorporated areas)
- Total potential assistance: up to $144,500
Stacking eligibility varies. Contact me to find out what you qualify for.
Lee County Loan Limits
The 2026 conforming loan limit for Lee County is $832,750 for a single-family home.
Cities Served in Lee County
Fort Myers, Cape Coral, Bonita Springs, Lehigh Acres, Estero
Home Loans in Lee County
As a licensed mortgage lender serving all of Lee County in the Southwest Florida region, I help buyers and homeowners find the right loan at the best rate. Whether you’re purchasing your first home in Fort Myers or refinancing an existing property, I shop dozens of wholesale lenders to get you the most competitive terms available.
Loan Programs Available
- Conventional — As low as 3% down
- FHA — 3.5% down, credit scores from 580
- VA — 0% down for eligible veterans
- USDA — 0% down in eligible rural areas
- Foreign National & DSCR — Specialty programs available
Nick Lazarevic | NMLS #386391 | 1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Equal Housing Lender