✓ No FHA Approval Required
✓ Line of Credit Never Expires
✓ Available at Age 55
✓ Loans Up to $4 Million
Serving Bonita Springs homeowners and condo owners 55 and older with proprietary reverse mortgages that do not require FHA approval. Available at age 55. No upfront mortgage insurance. Serving all of Lee and Collier County.
Call (727) 244-7076 for a Free Bonita Springs Loan ComparisonNo obligation · No paperwork to get started · We take our time with you
Bonita Springs and the surrounding Lee and Collier County area has grown rapidly as a retirement destination. Homeowners who built their equity over many years want to access it through a reverse mortgage.
The challenge is that many Bonita Springs condo communities are not on the FHA approved list. The government reverse mortgage program also requires borrowers to be at least 62 years old.
Your condo community needs to be FHA approved and you need to be at least 62 for a reverse mortgage.
Many Bonita Springs homeowners hear this and believe they have no options. That is not true. Our proprietary reverse mortgage removes both of these limitations. We serve Bonita Springs homeowners and condo owners starting at age 55 without the FHA approval requirement.
Sunshine State Home Loans serves Bonita Springs homeowners and condo owners throughout Lee and Collier County with proprietary reverse mortgages starting at age 55.
We serve Bonita Springs residents including communities in Bonita Bay, Pelican Landing, Spanish Wells, Raptor Bay, and throughout the greater Bonita Springs and Estero area.
Subject to property and borrower approval. Borrowers remain responsible for the payment of property taxes, homeowners insurance, HOA dues, and special assessments. This is not a commitment to lend.
We serve homeowners throughout Bonita Springs, Estero, Fort Myers Beach, and surrounding Lee and Collier County communities. Our experience working with Bonita Springs properties means we understand the unique characteristics, values, and lending challenges specific to the area. Whether you own in a luxury high-rise condo, a golf course community, or a single-family waterfront home, we have the expertise to help. Subject to property and borrower approval.
Bonita Springs condo communities do not need FHA approval for our proprietary reverse mortgage. This is one of the biggest advantages for condo owners in the Bonita Springs area who cannot qualify for the government program. We evaluate each property individually subject to underwriting approval. Many Bonita Springs communities that have been rejected by the FHA program may qualify with our proprietary reverse mortgage.
Our proprietary reverse mortgage is available starting at age 55. Seven years earlier than the government FHA program minimum age of 62. This means you can access your home equity while you are still young enough to fully enjoy the benefits during your retirement years. Many Bonita Springs homeowners in their late 50s have leveraged this advantage.
The FHA program charges upfront mortgage insurance that can amount to 2 percent of your home value. Our proprietary loan does not have this charge because it is not a government loan. On higher-value Bonita Springs properties, this savings can be substantial and put more money in your pocket.
Our proprietary reverse mortgage offers loan amounts up to $4 million for eligible Bonita Springs and Lee County properties, making it ideal for higher-value homes in the area. Bonita Springs has many luxury properties that exceed the lending limits of the government FHA program. Subject to property and borrower approval.
See what our clients have to say about working with Sunshine State Home Loans.
Do you serve Bonita Springs Florida?
Yes. We serve homeowners and condo owners throughout Bonita Springs and Lee County. Contact us to find out if your property may qualify.
My Bonita Springs condo is not FHA approved. Can I still qualify?
You may qualify for our proprietary reverse mortgage even if your condo community is not FHA approved. We evaluate each property individually subject to underwriting approval.
What is the minimum age?
Our proprietary reverse mortgage is available starting at age 55.
How much can I get?
The amount depends on your age, your Bonita Springs property value, current interest rates, and your existing mortgage balance. Contact us for a free loan comparison showing your specific numbers.
How do I get started?
Fill out the short form on this page and we will prepare your free reverse mortgage loan comparison and reach out within one business day. No paperwork and no obligation.
There is no paperwork required to speak with us. No credit check. No pressure of any kind. Just a conversation about your Bonita Springs property, your situation, and your options, at your pace.
Sunshine State Home Loans · Licensed in Florida · Serving Bonita Springs and Lee County
Fill out the short form below and we will prepare your free reverse mortgage loan comparison and reach out within one business day. No paperwork. No commitment. No obligation of any kind.
Please note: Borrowers are always responsible for the payment of property taxes, homeowners insurance, HOA dues, and any special assessments. Failure to meet these obligations may result in the loan becoming due and payable. This is not a commitment to lend. All loans are subject to credit and property approval.
This website is for informational purposes only and does not constitute financial, legal, or tax advice. Reverse mortgage products are subject to eligibility requirements, terms, and conditions. All loans are subject to credit approval. This material is not a commitment to lend. Sunshine State Home Loans is licensed to offer mortgage products in the state of Florida. Results vary based on individual circumstances. For complete program details, please contact us directly at (727) 244-7076.