How much house can you afford in Cape Coral? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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Easy Mortgage LLC & Easy Title and Escrow LLC - Cape Coral
4.9 · 276 reviews · Free pre-approval
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Fairview Lending - Home Mortgages
5.0 · 185 reviews · Free pre-approval
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Mortgage 1
4.9 · 158 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Easy Mortgage LLC & Easy Title and Escrow LLC specialize in making the mortgage and escrow process straightforward and stress-free. Their team handles both financing and title services with professionalism and clear communication. Customers appreciate the smooth experience and the confidence they feel throughout the process.
Fairview Lending specializes in guiding clients through home purchase and refinance mortgages with clear communication and patient support. The team helps borrowers understand their options and navigate complex decisions, often easing stress during major life changes. Some find the process slower at times, but responsiveness remains a consistent strength.
Mortgage 1 specializes in quick mortgage closings through its "Mortgage in a SNAP" service, helping clients move efficiently from application to approval. They offer a variety of loan programs, including FHA/VA, rural loans, and down payment assistance, with a team known for clear communication and patient guidance throughout the process.
American Mortgage Solutions is known for clear communication and guiding clients through home loans and refinancing with ease. The team handles purchases and refinancing efficiently, often closing loans quickly while keeping customers informed. Some clients note a preference for direct contact, but overall, the process is described as smooth and supportive.
Island Coast Mortgage is known for its attentive and responsive approach, with a focus on advocating for clients throughout the home buying process. The team offers mortgage consulting and guidance, often helping clients understand their options clearly. While some find communication timely and supportive, others note occasional delays and organizational challenges during transactions.
With over 20 years in business and more than 100 years of combined experience, Cape Coral Mortgage offers a range of loan programs for first-time buyers, refinancing, and home purchases. The team emphasizes clear communication and in-house processing to keep the mortgage process smooth, with clients often noting their supportive and knowledgeable guidance.
Known for responsive communication and a willingness to work through complex situations, Premier Mortgage Consultants helps clients with home purchases and refinancing. The team offers attentive guidance and stays accessible by phone, email, and text, which many customers appreciate throughout the mortgage process.
KP Mortgage offers a broad range of loan programs, including purchase, refinance, and specialized options like construction and foreign national loans. The team provides helpful tools such as mortgage calculators and detailed educational resources, with clients appreciating clear communication throughout the process. Some may find the personalized assistance especially valuable when navigating… more...
KP Mortgage offers a broad range of loan programs, including purchase, refinance, and specialized options like construction and foreign national loans. The team provides helpful tools such as mortgage calculators and detailed educational resources, with clients appreciating clear communication throughout the process. Some may find the personalized assistance especially valuable when navigating complex financing needs.
With over 25 years of experience, Divine Mortgage Group specializes in customized mortgage solutions that help make homeownership attainable, including purchase loans and refinancing options. Clients appreciate the team’s clear guidance, responsiveness, and ability to handle complex cases efficiently, though the process timeline may vary by individual circumstances.
Easy Mortgage LLC - Massiel Ruiz specializes in helping clients navigate the home-buying process with clear communication and prompt responses. The team offers mortgage brokerage services focused on making financing smoother and less stressful. Customers appreciate the attentive support, though some find the process can still feel challenging at times.
Lenders made 15,208 home-purchase loans in Lee County in 2025 (average about $359,000) and denied 2,734 — 15% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Cape Coral, the median home is worth $373,500 and 65% of owners have a mortgage, paying a median $1,917 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Lee County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Easy Mortgage LLC & Easy Title and Escrow LLC - Cape Coral | 4.9 | 276 | — | (239) 243-8408 | Visit |
| 2 | Fairview Lending - Home Mortgages | 5.0 | 185 | Quoted per loan | (239) 829-1543 | Visit |
| 3 | Mortgage 1 | 4.9 | 158 | Quoted per loan | (239) 471-3696 | Visit |
| 4 | American Mortgage Solutions, Mortgage Broker in Cape Coral, FL | 5.0 | 100 | — | (239) 766-8344 | Visit |
| 5 | Island Coast Mortgage | 4.8 | 103 | Quoted per loan | (239) 214-7011 | Visit |
| 6 | Cape Coral Mortgage | 4.9 | 97 | Quoted per loan | (239) 540-5555 | Visit |
| 7 | Premier Mortgage Consultants | 4.8 | 79 | — | (239) 542-8800 | Visit |
| 8 | KP Mortgage, your favorite lender. | 5.0 | 60 | Quoted per loan | (239) 841-9611 | Visit |
| 9 | Divine Mortgage Group | 5.0 | 55 | Quoted per loan | (888) 577-3177 | Visit |
| 10 | Easy Mortgage LLC - Massiel Ruiz | 5.0 | 42 | — | (239) 595-3819 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.