National Bank of Southwest Florida offers a wide variety of mortgage solutions, whether you are purchasing a new home, refinancing an existing home or just wanting to learn more about our mortgage products we have to offer. Residential mortgages consist of single family residences 1-4 units on primary residences, second homes, vacation homes, and investment properties.

Refinance

National Bank of Southwest Florida has several mortgage options available you could use for debt consolidation or accessing cash from equity that may have built up in your home. Refinance loans can be used to help with many personal financial situations such as reducing monthly payments, combining a first and second mortgage, home improvements, college tuition and more.

Purchase

Whether you are a first time home buyer or trading up to a larger home, National Bank of Southwest Florida works to find the best financing solution to meet your needs. With products for new home purchases as well as, second, vacation and investment homes, we can help.

Jumbo Loans

These are non-conforming loans over $417,000. National Bank of Southwest Florida offers 30 and 15 year fixed rate mortgage and competitive ARM products with full documentation, alternate documentation and limited documentation.

Non-Owner Occupied

Looking to invest in residential real estate? Maybe you already own investment property and would like to refinance? We have various products available with low rates and reduced fees to accommodate your financial goals.

Residential Construction

Building a new home can be challenging! With the expertise from our residential lending team and the broad range of loan options available they can help make this process become a seamless and enjoyable experience.

Foreign Nationals

National Bank of Southwest Florida offers a competitive adjustable rate product for those foreigners looking to purchase a primary or second home in our market area. Maximum loan-to-value is 70%. Certain documentation will be required from the country of origin. Contact us for specifics.

Manufactured Homes

National Bank of Southwest Florida will make loans secured by manufactured homes in our market area. The home should include the land with the transaction, either fee simple, co-op with share assignment or assignment of lease. We offer a competitive adjustable rate program, amortized no longer than 20 years, with a maximum loan-to-value of 80% of the purchase price or appraised value, whichever is less.

Home Equity Loans and Lines of Credit

Let your home’s equity work for you with a loan or line of credit from National Bank of Southwest Florida.. Remodel your home, consolidate bills, build a pool or buy a car at low interest rates while saving on your income taxes by deducting the interest. (Consult with your tax advisor on your specific tax deductibility.)

Lot Loans

Lot loans are designed to purchase or refinance residential lots for those Borrowers, who are not ready to begin construction at this time, or are not ready to obtain a construction loan, but will be ready in the near future. The lot must be normal for the area and at least one utility must be available from the street. (Septic tanks or propane are acceptable if these features are normal for the neighborhood.) We offer loans with five year terms , amortized as long as 15 years with a maximum loan-to-value ratio of 75%.

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